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Jiangsu Changshu Rural Commercial Bank Co., Ltd.

  • Market Cap: Large Cap
  • Industry: Regional Banks
  • ISIN: CNE100002RJ6
  • SHG: 601128
CNY
6.17
-0.02 (-0.32%)

Sep 24

SHG

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
Jiangsu Changshu Rural Commercial Bank Co., Ltd.

Why is Jiangsu Changshu Rural Commercial Bank Co., Ltd. ?

1
Poor Management Efficiency with a low ROA of 0.72%
  • The bank has been able to generate a Return on Assets (avg) of 0.72% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.34% signifying inadequate buffers against its risk based assets
  • Poor long term growth as Net profit has grown by an annual rate of 18.88%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.34% signifying inadequate buffers against its risk based assets
  • The bank has been able to generate a Return on Assets (avg) of 0.72% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 18.88%
4
Flat results in Jun 26
  • OPERATING CASH FLOW(Y) Lowest at CNY -19,328.19 MM
  • OPERATING PROFIT(Q) Lowest at CNY 335.66 MM
  • OPERATING PROFIT MARGIN(Q) Lowest at 8.58 %
5
With ROA of 0.85%, it has a attractive valuation with a 0.66 Price to Book Value
  • Over the past year, while the stock has generated a return of -1.08%, its profits have risen by 10%
  • At the current price, the company has a high dividend yield of 3.1
stock-recommendationReal-Time Research Report

Verdict Report

How much should you hold?

  1. Overall Portfolio exposure to Jiangsu Changshu Rural Commercial Bank Co., Ltd. should be less than 10%
  2. Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Jiangsu Changshu Rural Commercial Bank Co., Ltd. for you?

Low Risk, Low Return

Absolute
Risk Adjusted
Volatility
Jiangsu Changshu Rural Commercial Bank Co., Ltd.
-4.54%
-0.45
19.38%
China Shanghai Composite
0.9%
0.22
14.72%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
9.09%
EBIT Growth (5y)
22.85%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
20.36%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.66
EV to EBIT
8.99
EV to EBITDA
8.52
EV to Capital Employed
0.80
EV to Sales
2.87
PEG Ratio
NA
Dividend Yield
3.12%
ROCE (Latest)
8.94%
ROE (Latest)
13.25%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company
NII(Q)

Highest at CNY 2,458.17 MM

-4What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at CNY -19,328.19 MM

OPERATING PROFIT(Q)

Lowest at CNY 335.66 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 8.58 %

Here's what is working for Jiangsu Changshu Rural Commercial Bank Co., Ltd.

NII
Highest at CNY 2,458.17 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (CNY MM)

Depreciation
Highest at CNY 99.38 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (CNY MM)

Depreciation
At CNY 99.38 MM has Grown at inf%
period on period (QoQ)
MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (CNY MM)

Here's what is not working for Jiangsu Changshu Rural Commercial Bank Co., Ltd.

Operating Cash Flow
Lowest at CNY -19,328.19 MM
in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (CNY MM)

Operating Profit
Lowest at CNY 335.66 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (CNY MM)

Operating Profit Margin
Lowest at 8.58 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Non Operating Income
Highest at CNY 0.12 MM
in the last five periods
MOJO Watch
Increased income from non business activities may not be sustainable

Non Operating income

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