Jinshang Bank Co., Ltd. (2558) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Zhongyuan Bank Co., Ltd.

Luzhou Bank Co., Ltd.

Bank of Jiujiang Co., Ltd.

Jinshang Bank Co., Ltd.

Bank of Gansu Co., Ltd.

Weihai City Commercial Bank Co., Ltd.

Bank of Guizhou Co. Ltd.

Bank of Zhengzhou Co., Ltd.

Bank of Tianjin Co. Ltd.

Jilin Jiutai Rural Commercial Bank Corp. Ltd.

Hi Sun Technology (China) Ltd.

Why is Jinshang Bank Co., Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.63% signifying inadequate buffers against its risk based assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.63% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.44% signifying low profitability per unit of total assets

Flat results in Dec 24

NII(Q) Lowest at HKD 2,137.7 MM
DIVIDEND PER SHARE(HY) Lowest at HKD 0
CREDIT DEPOSIT RATIO(HY) Lowest at 78.56%

With ROA of 0.86%, it has a Attractive valuation with a 0.05 Price to Book Value

Over the past year, while the stock has generated a return of -5.56%, its profits have fallen by -37.4%

Underperformed the market in the last 1 year

Even though the market (Hang Seng Hong Kong) has generated returns of 26.67% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -5.56% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Jinshang 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 Jinshang Bank Co., Ltd. for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Jinshang Bank Co., Ltd.

-5.56%

-0.05

26.78%

Hang Seng Hong Kong

27.36%

1.03

25.88%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.43%

EBIT Growth (5y)

7.09%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

26.89%

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

0.05

EV to EBIT

15.01

EV to EBITDA

12.01

EV to Capital Employed

0.44

EV to Sales

1.62

PEG Ratio

Dividend Yield

5.96%

ROCE (Latest)

2.92%

ROE (Latest)

16.08%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Bearish

No Trend

OBV

No Trend

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

Not enough Data to analyse Financial Trend

Here's what is working for Jinshang Bank Co., Ltd.

Operating Cash Flow

Highest at HKD 11,490.65 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (HKD MM)

Non Performing Loans (%)

Lowest at 1.6%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Depreciation

At HKD 175.8 MM has Grown at 6.49%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (HKD MM)

Here's what is not working for Jinshang Bank Co., Ltd.

NII

Lowest at HKD 2,137.7 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (HKD MM)

Operating Profit

Lowest at HKD 266.78 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (HKD MM)

Operating Profit Margin

Lowest at 4.31 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at HKD 786.79 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (HKD MM)

Net Profit

Lowest at HKD 752.68 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (HKD MM)

EPS

Lowest at HKD 0.13

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (HKD)

Dividend per share

Lowest at HKD 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (HKD)

Credit Deposit Ratio

Lowest at 78.56%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)