Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. (002839) 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 Zhangjiagang Rural Commercial Bank Co., Ltd.

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

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.05% 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 14.70%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.05% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.78% signifying low profitability per unit of total assets

Flat results in Sep 25

OPERATING CASH FLOW(Y) Lowest at CNY -37,307.31 MM
GROSS NPA (%)(Q) Highest at 0.93%
NII(Q) Lowest at CNY 739.06 MM

With ROA of 0.67%, it has a very attractive valuation with a 0.56 Price to Book Value

Over the past year, while the stock has generated a return of 5.59%, its profits have risen by 3.2% ; the PEG ratio of the company is 1.7
At the current price, the company has a high dividend yield of 4.3

Real-Time Research Report

Verdict Report

How much should you hold?

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

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.

7.28%

0.52

21.14%

China Shanghai Composite

15.17%

1.02

14.86%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

2.28%

EBIT Growth (5y)

22.04%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

24.60%

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

0.56

EV to EBIT

12.72

EV to EBITDA

11.41

EV to Capital Employed

0.74

EV to Sales

3.24

PEG Ratio

1.65

Dividend Yield

4.28%

ROCE (Latest)

5.83%

ROE (Latest)

10.69%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

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

6What is working for the Company

CASH AND EQV(HY)

Highest at CNY 21,111.87 MM

OPERATING PROFIT(Q)

Highest at CNY 376.56 MM

OPERATING PROFIT MARGIN(Q)

Highest at 23.51 %

PRE-TAX PROFIT(Q)

Highest at CNY 641.5 MM

NET PROFIT(Q)

Highest at CNY 577.31 MM

EPS(Q)

Highest at CNY 0.24

-13What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at CNY -37,307.31 MM

GROSS NPA (%)

NII(Q)

Lowest at CNY 739.06 MM

NET SALES(Q)

Lowest at CNY 1,601.92 MM

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

Operating Profit

Highest at CNY 376.56 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (CNY MM)

Operating Profit Margin

Highest at 23.51 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at CNY 641.5 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (CNY MM)

Net Profit

Highest at CNY 577.31 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (CNY MM)

EPS

Highest at CNY 0.24

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (CNY)

Cash and Eqv

Highest at CNY 21,111.87 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 Zhangjiagang Rural Commercial Bank Co., Ltd.

Operating Cash Flow

Lowest at CNY -37,307.31 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (CNY MM)

Non Performing Loans (%)

Highest at 0.93%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

NII

Lowest at CNY 739.06 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (CNY MM)

Net Sales

Lowest at CNY 1,601.92 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (CNY MM)

Net Sales

Fallen at -12.28%

Year on Year (YoY)

MOJO Watch

Near term sales trend is negative

Net Sales (CNY MM)