Jiangsu Jiangyin Rural Commercial Bank Co., Ltd. (002807) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.

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

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.29% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 16.39%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.29% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.70% signifying low profitability per unit of total assets

Positive results in Mar 26

NII(Q) Highest at CNY 734.93 MM
CASH AND EQV(HY) Highest at CNY 20,584.29 MM

With ROA of 0.82%, it has a very attractive valuation with a 0.60 Price to Book Value

Over the past year, while the stock has generated a return of -12.20%, its profits have risen by 11.6% ; the PEG ratio of the company is 0.5
At the current price, the company has a high dividend yield of 5.7

Below par performance in long term as well as near term

Along with generating -12.20% returns in the last 1 year, the stock has also underperformed China Shanghai Composite in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Jiangsu Jiangyin Rural Commercial Bank Co., Ltd. should be less than 10%
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 Jiangyin Rural Commercial Bank Co., Ltd. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.

-12.2%

0.04

24.19%

China Shanghai Composite

20.96%

1.56

13.41%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

2.02%

EBIT Growth (5y)

18.10%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

26.42%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.60

EV to EBIT

9.15

EV to EBITDA

8.82

EV to Capital Employed

0.73

EV to Sales

3.67

PEG Ratio

0.45

Dividend Yield

5.65%

ROCE (Latest)

8.02%

ROE (Latest)

11.42%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

3What is working for the Company

NII(Q)

Highest at CNY 734.93 MM

CASH AND EQV(HY)

Highest at CNY 20,584.29 MM

-3What is not working for the Company

NET SALES(Q)

Lowest at CNY 1,397.52 MM

PRE-TAX PROFIT(Q)

At CNY 390.39 MM has Fallen at -31.56%

NET PROFIT(Q)

At CNY 366.41 MM has Fallen at -28.49%

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

NII

Highest at CNY 734.93 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 20,584.29 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

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

Net Sales

Lowest at CNY 1,397.52 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (CNY MM)

Pre-Tax Profit

At CNY 390.39 MM has Fallen at -31.56%

over average net sales of the previous four periods of CNY 570.39 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (CNY MM)

Net Profit

At CNY 366.41 MM has Fallen at -28.49%

over average net sales of the previous four periods of CNY 512.37 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (CNY MM)