ScoreWhy is Wuxi Rural Commercial Bank Co., Ltd. ?
1
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 Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 12.42%
- 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
2
Flat results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at CNY -2,340.99 MM
- NET SALES(Q) Lowest at CNY 1,923.02 MM
- NII(Q) Lowest at CNY 834.3 MM
3
With ROA of 0.67%, it has a fair valuation with a 0.57 Price to Book Value
- Over the past year, while the stock has generated a return of 4.45%, its profits have fallen by -9.1%
- At the current price, the company has a high dividend yield of 3.7
4
Underperformed the market in the last 1 year
- The stock has generated a return of 4.45% in the last 1 year, much lower than market (China Shanghai Composite) returns of 22.49%
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, Low Return
Absolute
Risk Adjusted
Volatility
Wuxi Rural Commercial Bank Co., Ltd.
-17.4%
0.41
17.32%
China Shanghai Composite
21.43%
1.58
14.20%
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
4
Industry P/E
Price to Book Value
0.42
EV to EBIT
6.20
EV to EBITDA
5.93
EV to Capital Employed
0.51
EV to Sales
1.81
PEG Ratio
1.70
Dividend Yield
7.38%
ROCE (Latest)
8.16%
ROE (Latest)
10.05%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
Bearish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NII(Q)
Highest at CNY 959.94 MM
CASH AND EQV(HY)
Highest at CNY 28,003.38 MM
-2What is not working for the Company
NET SALES(Q)
Lowest at CNY 1,881.58 MM
Here's what is working for Wuxi Rural Commercial Bank Co., Ltd.
NII
Highest at CNY 959.94 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Cash and Eqv
Highest at CNY 28,003.38 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 1,881.58 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
Capital Adequacy Ratio
Lowest at 11.89%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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