ScoreWhy is Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. ?
1
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 14.62%
- 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
2
Negative results in Mar 25
- NET SALES(9M) At CNY 5,257.18 MM has Grown at -13.13%
3
With ROA of 0.67%, it has a very attractive valuation with a 0.50 Price to Book Value
- Over the past year, while the stock has generated a return of 2.90%, its profits have risen by 3.2% ; the PEG ratio of the company is 1.5
- At the current price, the company has a high dividend yield of 4.8
4
Underperformed the market in the last 1 year
- The stock has generated a return of 2.90% in the last 1 year, much lower than market (China Shanghai Composite) returns of 15.18%
Real-Time Research ReportHow 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.
6.68%
0.64
20.16%
China Shanghai Composite
14.77%
1.01
15.10%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.75%
EBIT Growth (5y)
17.79%
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
24.60%
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
0.50
EV to EBIT
12.04
EV to EBITDA
10.80
EV to Capital Employed
0.70
EV to Sales
3.07
PEG Ratio
1.46
Dividend Yield
4.85%
ROCE (Latest)
5.83%
ROE (Latest)
10.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY -12,780.93 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 85.05%
PRE-TAX PROFIT(Q)
Highest at CNY 626.96 MM
NET PROFIT(Q)
Highest at CNY 562.3 MM
EPS(Q)
Highest at CNY 0.23
-9What is not working for the Company
NET SALES(9M)
At CNY 5,257.18 MM has Grown at -13.13%
Here's what is working for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.
Operating Cash Flow
Highest at CNY -12,780.93 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Pre-Tax Profit
Highest at CNY 626.96 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 562.3 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.23
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Credit Deposit Ratio
Highest at 85.05%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.
Net Sales
Lowest at CNY 1,679.09 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
Net Sales
Fallen at -14.25%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
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