Huishang Bank (SEHK:3698) Valuation Check After Strong 2025 Earnings And Rising Investor Interest

Simply Wall St.

Mar 31

Huishang Bank (SEHK:3698) has drawn fresh attention after reporting its full year 2025 earnings. The bank recorded net income of CN¥16,524.6 million and earnings per share of CN¥1.14 from continuing ...

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The bank recorded net income of CN¥16,524.6 million and earnings per share of CN¥1.14 from continuing ...</p>\n\n<a href=\"https://simplywall.st/stocks/hk/banks/hkg-3698/huishang-bank-shares/news/huishang-bank-sehk3698-valuation-check-after-strong-2025-ear\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Huishang Bank (SEHK:3698) Valuation Check After Strong 2025 Earnings And Rising Investor Interest</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHuishang Bank (SEHK:3698) Valuation Check After Strong 2025 Earnings And Rising Investor Interest\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-03-31 00:10 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/hk/banks/hkg-3698/huishang-bank-shares/news/huishang-bank-sehk3698-valuation-check-after-strong-2025-ear><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Huishang Bank (SEHK:3698) has drawn fresh attention after reporting its full year 2025 earnings. The bank recorded net income of CN¥16,524.6 million and earnings per share of CN¥1.14 from continuing ...</p>\n\n<a href=\"https://simplywall.st/stocks/hk/banks/hkg-3698/huishang-bank-shares/news/huishang-bank-sehk3698-valuation-check-after-strong-2025-ear\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK1235","symbol_name":"区域性银行","start_time":0,"source_url":"https://simplywall.st/stocks/hk/banks/hkg-3698/huishang-bank-shares/news/huishang-bank-sehk3698-valuation-check-after-strong-2025-ear","article_id":"2623405703","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice2-main-header/1585186648241"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/hk/banks/hkg-3698/huishang-bank-shares/news/huishang-bank-sehk3698-valuation-check-after-strong-2025-ear","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2623405703","pubTimestamp":1774887021,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Huishang Bank (SEHK:3698) has drawn fresh attention after reporting its full year 2025 earnings. The bank recorded net income of CN¥16,524.6 million and earnings per share of CN¥1.14 from continuing operations.\nSee our latest analysis for Huishang Bank.\nThe full year 2025 earnings release and the recent board meeting around the dividend appear to have coincided with stronger sentiment, with Huishang Bank’s 90 day share price return of 43.75% and 1 year total shareholder return of 85.38%...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK1235":"区域性银行","HK0000914660.USD":"GFI Global Select Equity Fund Class A (USD)","03698":"徽商银行","HK0000914686.HKD":"GFI Global Select Equity Fund Class A (HKD)","BK1560":"内银股","DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc"},"translate_title":"徽商银行（SEHK：3698）在2025年盈利强劲和投资者兴趣上升后进行估值检查","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03698":0.9,"DCF":1},"content_text":"Huishang Bank (SEHK:3698) has drawn fresh attention after reporting its full year 2025 earnings. The bank recorded net income of CN¥16,524.6 million and earnings per share of CN¥1.14 from continuing operations. See our latest analysis for Huishang Bank. The full year 2025 earnings release and the recent board meeting around the dividend appear to have coincided with stronger sentiment, with Huishang Bank’s 90 day share price return of 43.75% and 1 year total shareholder return of 85.38% pointing to building momentum rather than a short term bounce. If strong recent gains in Huishang Bank have you thinking about what else is moving, this could be a good moment to broaden your search with 98 top founder-led companies With earnings at CN¥1.14 per share, a reported intrinsic discount of about 68% and a strong recent share price run, it is worth asking whether Huishang Bank is still undervalued or whether the market is already pricing in future growth. AdvertisementPrice to Earnings of 3.4x: Is it justified? Huishang Bank trades on a P/E of 3.4x, which, alongside the reported intrinsic discount of about 68%, points to a market price that is well below several value markers at the current HK$4.60 share price. The P/E ratio links what investors are paying today to the bank's earnings power, so it is a simple way to compare pricing across banks that already generate steady profits. For Huishang Bank, earnings per share of CN¥1.14 sit behind this multiple, and the question is whether the market is assigning too low a price tag to those earnings given its track record and forecasts. Several reference points suggest the current P/E leaves room for interpretation. The bank is described as trading at good value versus peers on a P/E basis, and its 3.4x multiple is below the Hong Kong Banks industry average of 5.8x as well as the peer average of 5x. It is also lower than an estimated fair P/E of 5.9x, a level the market could move toward if sentiment and expectations converge on those implied by the fair ratio. Explore the SWS fair ratio for Huishang Bank Result: Price-to-Earnings of 3.4x (UNDERVALUED) However, the sharp share price gains, alongside a reported 68% intrinsic discount and a 35% premium to the HK$2.99 price target, could reverse if sentiment cools. Find out about the key risks to this Huishang Bank narrative. Another view using the SWS DCF model The low 3.4x P/E suggests value, but the SWS DCF model points to something stronger, with an estimated fair value of HK$14.23 per share versus the current HK$4.60 price. That gap signals a very different margin of safety story. Which signal do you trust more? Look into how the SWS DCF model arrives at its fair value. 3698 Discounted Cash Flow as at Mar 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Huishang Bank for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 240 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. Next Steps Does this mix of potential value and clear risks line up with your own take, or not quite yet? Act while the data is fresh, weigh both sides carefully, and use the 4 key rewards and 1 important warning sign Looking for more investment ideas? If Huishang Bank has caught your eye, do not stop here. Use this momentum to scan for other opportunities that fit your style and risk comfort.  Target potential mispricing by searching for companies that combine robust fundamentals with appealing valuations through the 240 high quality undervalued stocks. Boost your income focus by hunting for companies with higher yields using the 465 dividend fortresses. Dial down risk by filtering for businesses that pair financial resilience with balanced fundamentals via the solid balance sheet and fundamentals stocks screener (382 results).   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Huishang Bank might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"1","news_tag":"dataReport","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}