ScoreWhy is Jiangsu Zijin Rural Commercial Bank Co. Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.10% 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 2.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.10% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.55% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 2.80%
3
Negative results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at CNY -2,906.09 MM
- NET SALES(Q) Lowest at CNY 1,866.69 MM
- GROSS NPA (%)(Q) Highest at 1.28%
4
With ROA of 0.46%, it has a expensive valuation with a 0.51 Price to Book Value
- Over the past year, while the stock has generated a return of 3.70%, its profits have fallen by 0% ; the PEG ratio of the company is 6.4
- At the current price, the company has a high dividend yield of 3.5
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Jiangsu Zijin Rural Commercial Bank Co. Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Jiangsu Zijin Rural Commercial Bank Co. Ltd.
-100.0%
0.63
16.88%
China Shanghai Composite
20.18%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.30%
EBIT Growth (5y)
-6.30%
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
29.42%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.45
EV to EBIT
31.87
EV to EBITDA
27.28
EV to Capital Employed
0.76
EV to Sales
4.82
PEG Ratio
NA
Dividend Yield
3.92%
ROCE (Latest)
2.40%
ROE (Latest)
5.99%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 6,465.21 MM
-9What is not working for the Company
NET PROFIT(HY)
At CNY 469.16 MM has Grown at -32.41%
NET SALES(Q)
Lowest at CNY 1,850.17 MM
Here's what is working for Jiangsu Zijin Rural Commercial Bank Co. Ltd.
Operating Cash Flow
Highest at CNY 6,465.21 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Here's what is not working for Jiangsu Zijin Rural Commercial Bank Co. Ltd.
Net Sales
Lowest at CNY 1,850.17 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
Net Profit
At CNY 469.16 MM has Grown at -32.41%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (CNY MM)
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