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Jiangsu Changshu Rural Commercial Bank Co., Ltd.

  • Market Cap: Large Cap
  • Industry: Regional Banks
  • ISIN: CNE100002RJ6
CNY
7.25
-0.01 (-0.14%)

Dec 04

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

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Jiangsu Changshu Rural Commercial Bank Co., Ltd.
Why is Jiangsu Changshu Rural Commercial Bank Co., Ltd. ?
1
  • OPERATING CASH FLOW(Y) Highest at CNY 39,895.51 MM
  • NII(Q) Highest at CNY 2,322.69 MM
  • DIVIDEND PAYOUT RATIO(Y) Highest at 56.2%
2
With ROA of 0.79%, it has a very attractive valuation with a 0.80 Price to Book Value
  • Over the past year, while the stock has generated a return of 5.21%, its profits have risen by 13.5% ; the PEG ratio of the company is 1.8
  • At the current price, the company has a high dividend yield of 4.5
stock-recommendationReal-Time Research Report
Verdict Report
How much should you buy?
  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.
5.21%
0.25
23.89%
China Shanghai Composite
14.77%
1.01
14.58%
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)
10.47%
EBIT Growth (5y)
20.00%
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
17.97%
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
6
Industry P/E
Price to Book Value
0.80
EV to EBIT
8.47
EV to EBITDA
7.79
EV to Capital Employed
0.87
EV to Sales
2.41
PEG Ratio
1.79
Dividend Yield
4.45%
ROCE (Latest)
10.24%
ROE (Latest)
13.88%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly 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

8What is working for the Company
OPERATING CASH FLOW(Y)

Highest at CNY 39,895.51 MM

NII(Q)

Highest at CNY 2,322.69 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 56.2%

CASH AND EQV(HY)

Highest at CNY 48,492.3 MM

DIVIDEND PER SHARE(HY)

Highest at CNY 0

-3What is not working for the Company
CREDIT DEPOSIT RATIO(HY)

Lowest at 84.26%

OPERATING PROFIT(Q)

Lowest at CNY 469.47 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 11.76 %

Here's what is working for Jiangsu Changshu Rural Commercial Bank Co., Ltd.
Operating Cash Flow
Highest at CNY 39,895.51 MM and Grown
In each year in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (CNY MM)

NII
Highest at CNY 2,322.69 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (CNY MM)

Cash and Eqv
Highest at CNY 48,492.3 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share
Highest at CNY 0
in the last five years
MOJO Watch
Company is distributing higher dividend from profits generated

DPS (CNY)

Dividend Payout Ratio
Highest at 56.2%
in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Jiangsu Changshu Rural Commercial Bank Co., Ltd.
Operating Profit
Lowest at CNY 469.47 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (CNY MM)

Operating Profit Margin
Lowest at 11.76 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Credit Deposit Ratio
Lowest at 84.26%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Non Operating Income
Highest at CNY 0.07 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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