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Jinshang Bank Co., Ltd.

  • Market Cap: N/A
  • Industry: Regional Banks
  • ISIN: CNE100003LP4
  • HKG: 2558
HKD
1.09
-0.01 (-0.45%)

Sep 23

HKG

 View all stocks in this country
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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.
Hi Sun Technology (China) Ltd.
Jilin Jiutai Rural Commercial Bank Corp. Ltd.

Why is Jinshang Bank Co., Ltd. ?

1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.44%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.63% signifying inadequate buffers against its risk based assets
2
Flat results in Jun 26
  • OPERATING CASH FLOW(Y) Lowest at HKD 5,507.69 MM
  • GROSS NPA (%)(Q) Highest at 1.94%
3
With ROA of 0.61%, it has a Attractive valuation with a 0.04 Price to Book Value
  • Over the past year, while the stock has generated a return of -21.99%, its profits have risen by 4.4% ; the PEG ratio of the company is 0.1
4
Below par performance in long term as well as near term
  • Along with generating -21.99% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in the last 3 years, 1 year and 3 months
stock-recommendationReal-Time Research Report

Verdict Report

How much should you hold?

  1. Overall Portfolio exposure to Jinshang Bank Co., Ltd. should be less than 10%
  2. 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.
-22.34%
-1.09
18.53%
Hang Seng Hong Kong
-5.07%
-0.26
18.70%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
1.96%
EBIT Growth (5y)
-1.73%
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
18.59%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
0
Industry P/E
Price to Book Value
0.04
EV to EBIT
18.82
EV to EBITDA
15.23
EV to Capital Employed
0.48
EV to Sales
2.33
PEG Ratio
0.07
Dividend Yield
16.40%
ROCE (Latest)
2.57%
ROE (Latest)
11.62%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company
NII(Q)

Highest at HKD 2,597.46 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 88.41%

OPERATING PROFIT(Q)

Highest at HKD 840.05 MM

OPERATING PROFIT MARGIN(Q)

Highest at 14 %

EPS(Q)

Highest at HKD 0.2

-4What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at HKD 5,507.69 MM

GROSS NPA (%)

(Q

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

NII
Highest at HKD 2,597.46 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (HKD MM)

Operating Profit
Highest at HKD 840.05 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (HKD MM)

Operating Profit Margin
Highest at 14 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

EPS
Highest at HKD 0.2
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (HKD)

Credit Deposit Ratio
Highest at 88.41%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Depreciation
Highest at HKD 178.67 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (HKD MM)

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

Non Performing Loans (%)
Highest at 1.94%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Cash Flow
Lowest at HKD 5,507.69 MM
in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (HKD MM)

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