ScoreWhy is Jiangsu Jiangyin Rural Commercial Bank Co., Ltd. ?
1
Positive results in Sep 25
- ROCE(HY) Highest at 1.11%
- NII(Q) Highest at CNY 731.1 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 56.92%
2
With ROA of 0.77%, it has a fair valuation with a 0.59 Price to Book Value
- Over the past year, while the stock has generated a return of 6.31%, its profits have risen by 10.2% ; the PEG ratio of the company is 0.5
- At the current price, the company has a high dividend yield of 3.9
Real-Time Research ReportHow much should you buy?
- 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?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.
8.25%
0.65
24.54%
China Shanghai Composite
15.17%
1.02
14.86%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.02%
EBIT Growth (5y)
18.10%
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
23.93%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.59
EV to EBIT
10.84
EV to EBITDA
10.43
EV to Capital Employed
0.75
EV to Sales
4.16
PEG Ratio
0.50
Dividend Yield
3.90%
ROCE (Latest)
6.96%
ROE (Latest)
11.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
ROCE(HY)
Highest at 1.11%
NII(Q)
Highest at CNY 731.1 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 56.92%
DIVIDEND PER SHARE(HY)
Highest at CNY 0
EPS(Q)
Highest at CNY 0.18
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY -15,880.9 MM
ROCE(HY)
Lowest at 1.11%
NET SALES(Q)
Lowest at CNY 1,407.56 MM
Here's what is working for Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.
NII
Highest at CNY 731.1 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
EPS
Highest at CNY 0.18
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Dividend per share
Highest at CNY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (CNY)
Dividend Payout Ratio
Highest at 56.92%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.
Operating Cash Flow
Lowest at CNY -15,880.9 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
Net Sales
Lowest at CNY 1,407.56 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Non Operating Income
Highest at CNY 0.08 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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