ScoreWhy is Wuxi Rural Commercial Bank Co., Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.81%
- The bank has been able to generate a Return on Assets (avg) of 0.81% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.46% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 11.79%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.46% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.81% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 11.79%
4
Flat results in Jun 26
- NET SALES(Q) Lowest at CNY 1,874.87 MM
5
With ROA of 0.78%, it has a attractive valuation with a 0.49 Price to Book Value
- Over the past year, while the stock has generated a return of -2.54%, its profits have risen by 2.4% ; the PEG ratio of the company is 2
- At the current price, the company has a high dividend yield of 6.3
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Wuxi 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 Wuxi Rural Commercial Bank Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Wuxi Rural Commercial Bank Co., Ltd.
-1.2%
0.25
19.57%
China Shanghai Composite
3.23%
0.23
14.72%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.22%
EBIT Growth (5y)
12.43%
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
23.83%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.49
EV to EBIT
6.97
EV to EBITDA
6.67
EV to Capital Employed
0.57
EV to Sales
2.03
PEG Ratio
2.01
Dividend Yield
6.26%
ROCE (Latest)
8.16%
ROE (Latest)
10.05%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bearish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
CASH AND EQV(HY)
Highest at CNY 27,825.69 MM
OPERATING PROFIT MARGIN(Q)
Highest at 23.78 %
PRE-TAX PROFIT(Q)
Highest at CNY 797.46 MM
NET PROFIT(Q)
Highest at CNY 783.87 MM
EPS(Q)
Highest at CNY 0.36
-2What is not working for the Company
NET SALES(Q)
Lowest at CNY 1,874.87 MM
Here's what is working for Wuxi Rural Commercial Bank Co., Ltd.
Operating Profit Margin
Highest at 23.78 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CNY 797.46 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 783.87 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.36
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Cash and Eqv
Highest at CNY 27,825.69 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Wuxi Rural Commercial Bank Co., Ltd.
Net Sales
Lowest at CNY 1,874.87 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
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