Bank of Ningbo Stock Analysis (April 2026)

Bank of Ningbo

SZSE:002142

¥ 30,25

+ ¥0,15 (0,50%)

30,25 ¥

+¥0,15 (0,50%)

End-of-day quote: 04/10/2026

Bank of Ningbo Stock Value

The current analyst rating for SZSE:002142 is Buy.

Buy

Bank of Ningbo Company Info

EPS Growth 5Y

12,39%

Market Cap

¥199,76 B

Long-Term Debt

¥393,83 B

Quarterly earnings

04/10/2026 (A)

Dividend

¥0,60

Dividend Yield

1,99%

Founded

1997

Industry

Financials

Country

China

Website

Bank of Ningbo

ISIN Number

CNE1000005P7

Website

http://www.nbcb.com.cn

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

¥36,49

20.63%

Last Update: 04/11/2026

Analysts: 13

Highest Price Target ¥45,00

Average Price Target ¥36,49

Lowest Price Target ¥27,70

In the last five quarters, Bank of Ningbo’s Price Target has risen from ¥23,45 to ¥31,02 - a 32,28% increase. Six analysts predict that Bank of Ningbo’s share price will increase in the coming year, reaching ¥36,49. This would represent an increase of 20,63%.

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

What does Bank of Ningbo do?

Bank of Ningbo Co., Ltd. is a national bank that focuses on providing a wide array of banking services designed to cater to both individual and corporate clients. Operating within the financial services sector, the company has established itself as a reliable institution in handling public deposits, offering various forms of loans, and facilitating both domestic and international financial transactions. The company's main business activities encompass the absorption of public deposits, granting of loans (short-term, medium-term, and long-term), domestic settlements, as well as financial services linked to government bonds. Furthermore, the company acts as a distribution and payment agent for government bonds, engages in inter-bank lending, and provides banking guarantees and safe deposit box services.

Business Segments

At the core of the company’s operations are several key business segments that enable it to maintain a robust presence in the banking sector. The segments include Retail Banking, Corporate Banking, Investment Banking, Wealth Management and Private Banking, and Digital Banking.

Retail Banking Segment

This segment primarily focuses on individual customers and small to medium-sized enterprises. Within this segment, the company offers a variety of personal banking products, including savings accounts, personal loans, mortgages, and credit cards, which serve to attract both new customers and retain existing clients. The company emphasizes its commitment to inclusive finance by catering to the specific needs of small businesses and underserved communities, thus promoting financial inclusion, and supporting the growth of local economies.

Corporate Banking Segment

This segment provides financial products tailored for larger businesses and corporations. These include commercial loans, treasury services, trade finance, and cash management services. The company actively seeks to strengthen relationships with corporate clients, offering bespoke financial solutions that can drive their growth and mitigate financial risks. It is particularly noteworthy that the company has been proactive in meeting the evolving demands of its corporate clients through the integration of technology into its financial services, allowing for streamlined operations and enhanced customer experiences.

Investment Banking Segment

This segment engages in underwriting, advisory services for mergers and acquisitions, and capital market financing. The company has positioned itself as a competent intermediary that assists clients in gaining access to capital markets and optimizing their funding strategies. The incorporation of advanced analytics and innovative technology frameworks helps the company provide tailored solutions to meet unique client goals and navigate complex financial landscapes.

Wealth Management and Private Banking Segment

This segment focuses on affluent clients looking for personalized financial advice and investment strategies. By fostering a client-centric approach, the company ensures that high-net-worth individuals receive specialized attention that aligns with their investment avenues and financial aspirations. Advanced portfolio management strategies and comprehensive risk assessments also serve to help clients achieve financial security and growth.

Digital Banking Segment

This segment caters to a technology-savvy clientele. Investments in digital transformation have enabled it to develop a robust mobile banking platform that offers clients a seamless banking experience, from digital payments to automated wealth management tools, thus reinforcing its commitment to innovation and service excellence.

Business Strategy

The company’s strategic focus underscores the importance of being customer-oriented while adhering to the operational philosophy of "imperfect for large banks and impossible for small banks." This dual approach aims to refine the distinctions between its services for different segments of the market, thereby maximizing operational efficiency while delivering customized solutions to a diverse clientele.

To realize its strategic goals, the company emphasizes the importance of digitalization. The integration of cutting-edge financial technologies is central to enhancing the efficiency of its operations, improving customer interactions, and expanding service offerings. Creating a sophisticated digital financial service platform with quick responsiveness and robust service capacity ultimately enhances customer experiences and drives loyalty.

Investing in high-quality business areas forms another pillar of the company’s strategy. By homing in on its core competencies, the company seeks to develop competitive advantages through specialization, whether through sector-specific financial products or tailored solutions designed for unique client needs.

Regulations

Operating within a highly regulated environment, the company is vigilant in adhering to all applicable laws and regulations. This includes compliance with banking laws, anti-money laundering statutes, and consumer protection regulations among others.

History

Bank of Ningbo Co., Ltd. was founded in 1997. The company was formerly known as Ningbo Commercial Bank Co., Ltd.

Bank of Ningbo Questions and Answers

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

**Financial services:** 60% **Lending:** 25% **Investment banking:** 15% **TOP 3 markets:** 1. **China:** 80% 2. **Asia (excl. China):** 10% 3. **Europe:** 5% The Bank of Ningbo Co., Ltd. generates the majority of its revenue from financial services, especially through traditional ba...

At which locations are the company’s products manufactured?

**Production:** Not applicable The Bank of Ningbo Co., Ltd. is a financial institution and does not produce physical products. As a bank, it offers financial services, including loans, deposits, asset management, and other banking-related services. These services are provided in its branches and th...

What strategy does Bank of Ningbo pursue for future growth?

**Current Growth Strategy (estimated for 2025):** - **Digitalization:** Increase investments in digital platforms and technologies. - **Regional Expansion:** Expansion of presence in less developed regions of China. - **Sustainable Financial Products:** Introduction of green financial products...

Which raw materials are imported and from which countries?

**Imported raw materials/materials:** No specific raw materials **Countries of origin:** Not applicable The Bank of Ningbo Co., Ltd. is a financial institution and not a production company. Therefore, it does not import physical raw materials or materials. Its business focus is on financial servic...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 18.5% (2024) **Cost-to-Income Ratio:** 30.2% (2024) **Market share in the regional banking sector:** 5% (estimated, 2024) The Bank of Ningbo Co., Ltd. has a strong competitive advantage, reflected in a high return on equity of 18.5%. This indicator suggests that the...

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

**Institutional investor share:** 45% (estimated for 2025) **Insider purchases/sales:** No significant transactions (estimated for 2025) The institutional investor share in Bank of Ningbo Co., Ltd. is estimated to be around 45%. This reflects the confidence of institutional investors in the stabi...

What percentage market share does Bank of Ningbo have?

**Market share of Bank of Ningbo Co., Ltd.:** Estimated around 2-3% (2025) **Major competitors and their market shares:** 1. **Industrial and Commercial Bank of China (ICBC):** around 15% 2. **China Construction Bank (CCB):** around 13% 3. **Agricultural Bank of China (ABC):** around 12% 4. **Bank...

Is Bank of Ningbo stock currently a good investment?

**Return on Equity (ROE):** 17.5% (2024) **Net interest margin:** 2.1% (2024) **Loan growth:** 10% (2024) The Bank of Ningbo Co., Ltd. shows a solid return on equity of 17.5%, indicating efficient use of its capital. A high ROE is often an indicator of a well-managed company capable of providing ab...

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

**Dividend yield:** 3.5% (2024, estimated) **Dividend history:** Continuous distribution in the last 5 years The Bank of Ningbo Co., Ltd. has regularly distributed dividends in recent years, indicating a reliable distribution policy. The estimated dividend yield for 2024 is around 3.5%, which i...

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Bank of Ningbo Stock Value

Bank of Ningbo Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

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

What does Bank of Ningbo do?

Bank of Ningbo Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Bank of Ningbo Stock Value

Bank of Ningbo Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

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

What does Bank of Ningbo do?

Bank of Ningbo Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.