---
title: "Bank of Qingdao Co., Ltd. (03866.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/03866.HK.md"
symbol: "03866.HK"
name: "Bank of Qingdao Co., Ltd."
industry: "Regional Banks"
---

# Bank of Qingdao Co., Ltd. (03866.HK)

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Location | HK Market |
| Website | [www.qdccb.com](https://www.qdccb.com) |

## Company Profile

Bank of Qingdao Co., Ltd. provides various banking products and services in the People’s Republic of China. The company operates through three segments: Retail Banking, Corporate Banking, and Financial Market Business. It provides deposits products; retail, corporate, and personal loans; discounted ...

## 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: 2026-02-21T04:30:13.000Z

**Overall: B (0.37)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 1 / 17 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 49.20% |  |
| Net Profit YoY | 29.95% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.58 |  |
| Dividend Ratio | 3.99% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 25.44B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 15.93B |  |


**Multi Score**: B

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 11.52% | B |
| Profit Margin | 35.60% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 49.20% | A |
| Net Profit YoY | 29.95% | B |
| Total Assets YoY | 0.00% | C |
| Net Assets YoY | 9.78% | B |

#### Cash Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 280.91% | C |
| OCF YoY | 49.20% | A |

#### 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 - Bank of Qingdao Co., Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "11.52%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "35.60%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "49.20%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "29.95%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "0.00%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "9.78%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "B",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "280.91%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "49.20%",
          "rating": "A"
        }
      ]
    },
    {
      "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 | BQD (HK.3866) | B | B | E | A | B | B |
| 02 | LUZHOU BANK (HK.1983) | B | A | E | A | B | B |
| 03 | PUBLIC FIN HOLD (HK.626) | D | A | E | A | A | B |
| 04 | CQRC BANK (HK.3618) | B | C | E | A | C | C |
| 05 | HUISHANG BANK (HK.3698) | B | B | E | A | C | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 4.84 | 11/19 | 5.03 | 4.70 | 4.22 |
| PB | 0.58 | 18/19 | 0.59 | 0.55 | 0.51 |
| PS (TTM) | 1.66 | 15/19 | 1.66 | 1.56 | 1.44 |
| Dividend Yield | 3.99% | 12/19 | 4.73% | 4.33% | 4.06% |

## Institutional View

### Analyst Rating Distribution

> As of 2024-10-28T16:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 0 | 0% |
| Overweight | 0 | 0% |
| Hold | 1 | 100% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 4.37 |

## References

- [Company Overview](https://longbridge.com/en/quote/03866.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/03866.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/03866.HK/topics.md) - Community topics and discussions

---

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