down arrow

Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.

  • Market Cap: Large Cap
  • Industry: Regional Banks
  • ISIN: CNE100002BL6
  • SHE: 002807
CNY
4.16
0.04 (0.97%)

Sep 24

SHE

 View all stocks in this country
  • 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 Jiangyin Rural Commercial Bank Co., Ltd.

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

1
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 13.87%
  • 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
2
Flat results in Mar 26
  • 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%
3
With ROA of 0.73%, it has a fair valuation with a 0.53 Price to Book Value
  • Over the past year, while the stock has generated a return of -13.92%, its profits have risen by 0.7% ; the PEG ratio of the company is 5.2
  • At the current price, the company has a high dividend yield of 4.1
4
Below par performance in long term as well as near term
  • Along with generating -13.92% returns in the last 1 year, the stock has also underperformed China Shanghai Composite in the last 3 years, 1 year and 3 months
stock-recommendationReal-Time Research Report

Verdict Report

How much should you buy?

  1. Overall Portfolio exposure to Jiangsu Jiangyin 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 Jiangyin Rural Commercial Bank Co., Ltd. for you?

Medium Risk, Low Return

Absolute
Risk Adjusted
Volatility
Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.
0.35%
-0.07
24.47%
China Shanghai Composite
0.9%
1.20
14.07%
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)
1.05%
EBIT Growth (5y)
16.95%
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
24.02%
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
0.51
EV to EBIT
11.76
EV to EBITDA
11.06
EV to Capital Employed
0.72
EV to Sales
4.37
PEG Ratio
4.97
Dividend Yield
4.24%
ROCE (Latest)
6.10%
ROE (Latest)
10.31%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
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

6What is working for the Company
OPERATING CASH FLOW(Y)

Highest at CNY 30,884.9 MM

NII(Q)

Highest at CNY 741.17 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 54.23%

DIVIDEND PER SHARE(HY)

Highest at CNY 0

-2What is not working for the Company
NET SALES(Q)

Lowest at CNY 1,394.61 MM

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

NII
Highest at CNY 741.17 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (CNY MM)

Operating Cash Flow
Highest at CNY 30,884.9 MM
in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (CNY MM)

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 54.23%
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 Jiangyin Rural Commercial Bank Co., Ltd.

Net Sales
Lowest at CNY 1,394.61 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term sales trend is very negative

Net Sales (CNY MM)

Capital Adequacy Ratio
Lowest at 13.09%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is deteriorating.

CAR (%)

Footer loading