Qilu Bank stock analysis 2026 | Price, valuation & outlook

Qilu Bank

SHSE:601665

HK$ 5,59

+ HK$0,02 (0,36%)

5,59 HK$

+HK$0,02 (0,36%)

End-of-day quote: 12/26/2025

Qilu Bank Stock Value

Analysts currently rate Qilu Bank as Outperform.

Outperform

Qilu Bank Company Info

EPS Growth 5Y

13,23%

Market Cap

HK$34,28 B

Long-Term Debt

HK$79,87 B

Quarterly earnings

04/30/2026

Dividend

HK$0,28

Dividend Yield

4,99%

Founded

1996

Industry

Financials

Country

China

Website

Qilu Bank

ISIN Number

CNE100005154

Website

http://www.qlbchina.com

Analyst Price Target

HK$7,54

34.88%

Last Update: 12/26/2025

Analysts: 1

Highest Price Target HK$7,54

Average Price Target HK$7,54

Lowest Price Target HK$7,54

In the last five quarters, Qilu Bank’s Price Target has risen from HK$5,24 to HK$5,97 - a 13,93% increase. Four analysts predict that Qilu Bank’s share price will increase in the coming year, reaching HK$7,54. This would represent an increase of 34,88%.

Top growth stocks in the financials sector (5Y.)

What does Qilu Bank do?

QILU BANK CO., LTD. operates as a prominent commercial bank. The company's primary business encompasses a broad range of financial services tailored for both corporate and individual clients. The company serves a diverse range of customers, including corporate clients, government entities, and individual customers. The company utilizes both traditional and digital channels to reach its diverse customer base. Business Segments The company operates through various segments including Corporate Ba...

Business Segments

The company operates through various segments including Corporate Banking, Personal Banking, And Financial Market Operations.

Corporate Banking

This segment provides a suite of financial products and services to corporate clients and government entities. This includes corporate loans, deposits, trade financing, corporate wealth management, and various intermediary services.

Personal Banking

This segment caters to individual customers, offering products such as personal loans, deposits, credit card services, personal wealth management, and other intermediary services.

Financial Market Operations

This segment involves the company's interbank activities, money market operations, bond market transactions, wealth management, and other investment activities. This segment primarily manages the company's liquidity and meets the financial needs of other operating segments.

Loans

Corporate Loans

The company's corporate loan segment provides a variety of financing solutions to corporate clients and government entities. This includes short-term and long-term loans, working capital loans, trade financing, and project financing.

Personal Loans

The company's personal loan segment caters to the financial needs of individual customers. The company offers a wide range of personal loan products, including consumer loans, mortgage loans, and credit card loans.

Consumer Loans

Consumer loans are designed to provide individuals with the funds they need for various personal expenses, such as purchasing a car, financing a vacation, or covering medical expenses.

Mortgage Loans

The company provides various mortgage loan products, including home purchase loans, home improvement loans, and refinancing options.

Credit Card Loans

The company offers a range of credit card products with various features and benefits, including rewards programs, cashback offers, and low-interest rates.

Specialized Loan Products

The company also provides specialized loan products tailored to specific customer segments and financial needs. These products include green loans, inclusive finance loans, and financial services for the elderly.

Investment Portfolio

The company's portfolio includes various types of investment securities, such as trading financial assets, debt investments, and other financial instruments. The company's trading financial assets include equities, bonds, and other marketable securities. The company's debt investments include bonds, debentures, and other fixed-income securities issued by governments, financial institutions, and corporations.

Deposits

Corporate Deposits

The company's corporate deposit segment provides various deposit products to corporate clients and government entities. This includes demand deposits, time deposits, and negotiable certificates of deposit (NCDs).

Demand Deposits

Demand deposits allow corporate clients to access their funds on demand without any withdrawal restrictions.

Time Deposits

Time deposits require corporate clients to lock in their funds for a specified period in exchange for higher interest rates.

Negotiable Certificates of Deposit (NCDs)

Negotiable certificates of deposit (NCDs) are a flexible and secure deposit option for corporate clients. NCDs are time deposits that can be traded in the secondary market.

Personal Deposits

The company's personal deposit segment caters to the financial needs of individual customers. The company offers a wide range of personal deposit products, including savings accounts, fixed deposits, and recurring deposits.

Savings Accounts

Savings accounts allow individuals to save their money while earning interest on their deposits.

Fixed Deposits

Fixed deposits deposits require individuals to lock in their funds for a specified period in exchange for higher interest rates.

Recurring Deposits

Recurring deposits allow customers to save a fixed amount of money regularly, earning interest on their deposits.

Specialized Deposit Products

In addition to its standard deposit offerings, the company also provides specialized deposit products tailored to specific customer segments and financial needs. These products include green deposits, inclusive finance deposits, and financial services for the elderly.

Geographical Market Served

The company primarily operates within Shandong Province, with its headquarters located in the provincial capital, Jinan. The company has extended its services to other regions, including Tianjin, Henan, and Hebei.

Regulations

The company is subject to a wide range of government regulations that impact its operations, financial reporting, and corporate governance. People's Bank of China (PBOC), the central bank of China, which regulates monetary policy, interest rates, and the overall financial stability of the banking sector. The company complies with PBOC's regulations on capital adequacy, reserve requirements, and liquidity management. China Banking and Insurance Regulatory Commission (CBIRC), the primary regulatory authority overseeing the banking and insurance sectors. The company adheres to CBIRC's guidelines on risk management, corporate governance, and consumer protection. China Securities Regulatory Commission (CSRC) regulates the securities market, including the issuance and trading of securities. The company follows CSRC's regulations on information disclosure, securities issuance, and market conduct.

History

The company was founded in 1996. The company was formerly known as Jinan City Commercial Bank Co., Ltd and changed its name to QILU BANK CO., LTD. in June 2009.

Qilu Bank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Banking: 70% Insurance: 15% Asset Management: 10% Other Financial Services: 5% TOP 3 Markets: China: 85% Hong Kong: 10% Southeast Asia: 5% Qilu Bank Co., Ltd. generates the majority of its revenue from traditional banking, which accounts for about 70% of its income. This includes service...

At which locations are the company’s products manufactured?

Headquarters: Jinan, Shandong, China Qilu Bank Co., Ltd. is a regional bank based in Jinan, Shandong, China. As a financial institution, the bank does not produce physical products but offers financial services. These include loans, deposits, payment processing, and other typical banking services. S...

What strategy does Qilu Bank pursue for future growth?

Core Strategy: Digitalization and Regional Expansion Qilu Bank Co., Ltd. is pursuing a strategy that heavily focuses on digitalization and regional expansion. The company is investing significantly in digital technologies to enhance its services and optimize customer experience. This includes the in...

Which raw materials are imported and from which countries?

Sorry, but I do not have specific information about the commodities or materials imported by Qilu Bank Co., Ltd., as banks typically do not import physical commodities. Banks are financial institutions that focus on services such as lending, deposit management, and financial advisory. If it is a dif...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 12.5% (2024) Cost-Income Ratio: 35.8% (2024) Market Share in the Shandong Region: 8% (estimated, 2024) Qilu Bank Co., Ltd. has a moderate competitive advantage, reflected in a solid Return on Equity (ROE) of 12.5%. This metric indicates that the bank operates efficiently and...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 32% (estimated for 2025) Insider Trades: No significant transactions in the last year The institutional investor share in Qilu Bank Co., Ltd. is estimated to be around 32%. This figure demonstrates the confidence of institutional investors in the bank and its future dev...

What percentage market share does Qilu Bank have?

Market share of Qilu Bank Co., Ltd.: Estimated 2-3% (2025) Top competitors and their market shares: Industrial and Commercial Bank of China (ICBC): approx. 20% China Construction Bank: approx. 18% Agricultural Bank of China: approx. 15% Bank of China: approx. 12% Bank of Communications: approx. 8%...

Is Qilu Bank stock currently a good investment?

Return on Equity: 12.5% (2024) Loan Growth: 8.2% (2024) Net Interest Margin: 2.7% (2024) The Qilu Bank Co., Ltd. demonstrates a solid return on equity of 12.5%, indicating efficient use of equity to generate profits. This is a positive sign for investors as it suggests strong profitability of the co...

Does Qilu Bank pay a dividend – and how reliable is the payout?

Dividend Yield: 4.5% (2024) Qilu Bank Co., Ltd. distributed a dividend yield of 4.5% in 2024. The bank has followed a relatively consistent dividend policy in recent years, indicating a certain reliability in its payouts. The stability of dividend payments is supported by the bank's solid financial...

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Qilu Bank Stock Value

Qilu Bank Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Qilu Bank do?

Qilu Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal