Jiangsu Zijin Rural Commercial Bank Co. Ltd. (601860) 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 Zijin Rural Commercial Bank Co. Ltd.

Why is Jiangsu Zijin Rural Commercial Bank Co. Ltd. ?

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

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%

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%

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 Report

Verdict Report

How much should you hold?

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

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Jiangsu Zijin Rural Commercial Bank Co. Ltd.

0.71%

0.63

16.88%

China Shanghai Composite

15.17%

1.58

14.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.20%

EBIT Growth (5y)

1.32%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

22.55%

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

0.51

EV to EBIT

14.72

EV to EBITDA

13.33

EV to Capital Employed

0.75

EV to Sales

3.43

PEG Ratio

6.36

Dividend Yield

3.55%

ROCE (Latest)

5.13%

ROE (Latest)

8.10%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Sideways

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bearish

Mildly Bullish

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

0What is working for the Company

NO KEY POSITIVE TRIGGERS

-16What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at CNY -2,906.09 MM

NET SALES(Q)

Lowest at CNY 1,866.69 MM

GROSS NPA (%)

NII(Q)

Lowest at CNY 768.44 MM

PRE-TAX PROFIT(Q)

Lowest at CNY 306.88 MM

NET PROFIT(Q)

At CNY 291.41 MM has Fallen at -28.25%

Here's what is not working for Jiangsu Zijin Rural Commercial Bank Co. Ltd.

Net Sales

Lowest at CNY 1,866.69 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (CNY MM)

Non Performing Loans (%)

Highest at 1.28%

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 768.44 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (CNY MM)

Operating Cash Flow

Lowest at CNY -2,906.09 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (CNY MM)

Net Sales

At CNY 1,866.69 MM has Fallen at -9.39%

over average net sales of the previous four periods of CNY 2,060.18 MM

MOJO Watch

Near term sales trend is negative

Net Sales (CNY MM)

Pre-Tax Profit

Lowest at CNY 306.88 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (CNY MM)

Pre-Tax Profit

At CNY 306.88 MM has Fallen at -35.14%

over average net sales of the previous four periods of CNY 473.14 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (CNY MM)

Net Profit

At CNY 291.41 MM has Fallen at -28.25%

over average net sales of the previous four periods of CNY 406.15 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (CNY MM)