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 13.84%
- 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
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at CNY 25,800.77 MM
- NII(Q) Highest at CNY 781.21 MM
3
With ROA of 0.78%, it has a fair valuation with a 0.46 Price to Book Value
- Over the past year, while the stock has generated a return of -9.85%, its profits have risen by 5.1% ; the PEG ratio of the company is 0.9
- At the current price, the company has a high dividend yield of 5.5
4
Below par performance in long term as well as near term
- Along with generating -9.85% 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 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, Low Return
Absolute
Risk Adjusted
Volatility
Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.
-12.26%
0.17
19.18%
China Shanghai Composite
21.43%
1.55
13.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0
EBIT Growth (5y)
19.76%
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
28.56%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.46
EV to EBIT
11.40
EV to EBITDA
11.16
EV to Capital Employed
0.70
EV to Sales
3.70
PEG Ratio
0.85
Dividend Yield
5.49%
ROCE (Latest)
6.10%
ROE (Latest)
10.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 25,800.77 MM
NII(Q)
Highest at CNY 781.21 MM
-3What is not working for the Company
NET SALES(Q)
Lowest at CNY 1,567.89 MM
Here's what is working for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.
Operating Cash Flow
Highest at CNY 25,800.77 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
NII
Highest at CNY 781.21 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Here's what is not working for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.
Net Sales
Lowest at CNY 1,567.89 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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