---
title: "宜宾市商业银行股份有限公司 (02596.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/02596.HK.md"
symbol: "02596.HK"
name: "宜宾市商业银行股份有限公司"
industry: "区域性银行"
---

# 宜宾市商业银行股份有限公司 (02596.HK)

| Item | Detail |
|------|--------|
| Industry | 区域性银行 |
| Location | 港股市场 |
| Website | [www.ybccb.com](https://www.ybccb.com) |

## Company Profile

吸收公众存款，发放短期、中期和长期贷款，办理国内结算，办理票据承兑和贴现，发行金融债券，代理发行、代理兑付、承销政府债券，买卖政府债券、金融债券，从事同业拆借，从事银行卡业务，提供信用证服务及担保，代理收收付款项及代理保险业务，提供保管箱服务，经银行业监督管理机构批准的其它业务。

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-21T04:30:11.000Z

**Overall: C (0.52)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 12 / 17 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -1.04% |  |
| Net Profit YoY | 0.50% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.14 |  |
| Dividend Ratio | 2.08% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 12.07B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 1.41B |  |


**Multi Score**: C

#### Profit Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 5.41% | C |
| Profit Margin | 39.46% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -1.04% | D |
| Net Profit YoY | 0.50% | C |
| Total Assets YoY | 15.12% | A |
| Net Assets YoY | 5.18% | B |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 253.41% | C |
| OCF YoY | -1.04% | D |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - 宜宾市商业银行股份有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "5.41%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "39.46%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-1.04%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "0.50%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "15.12%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "5.18%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "253.41%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "-1.04%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 青岛银行 (HK.3866) | B | B | E | A | B | B |
| 02 | 泸州银行 (HK.1983) | B | A | E | A | B | B |
| 03 | 大众金融控股 (HK.626) | D | A | E | A | A | B |
| 04 | 重庆农村商业银行 (HK.3618) | B | C | E | A | C | C |
| 05 | 徽商银行 (HK.3698) | B | B | E | A | C | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 21.42 | 19/19 | 21.60 | 21.42 | 21.26 |
| PB | 1.14 | 19/19 | 1.15 | 1.14 | 1.13 |
| PS (TTM) | 4.85 | 19/19 | 5.09 | 5.01 | 4.81 |
| Dividend Yield | 2.08% | 17/19 | 2.11% | 2.10% | 2.09% |

## References

- [Company Overview](https://longbridge.com/en/quote/02596.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/02596.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/02596.HK/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.