002807.SHE Jiangsu Jiangyin Rural Commercial Bank Co Ltd
- Market cap
- CNY 11.6B
- P/E
- 5.5x
- P/B
- 0.57x
- ROE
- 8.5%
- Dividend yield
- 6.87%
- Fundamental score
- -
Ratios use the latest price and the current fiscal year annualized from 3 quarters up to Sep 2026.
Is 002807.SHE undervalued?
Graham number002807.SHE trades 62.7% below its Graham number.
Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?
Jiangsu Jiangyin Rural Commercial Bank Co Ltd fundamental analysis
No fundamental analysis for Jiangsu Jiangyin Rural Commercial Bank Co Ltd yet.
Jiangsu Jiangyin Rural Commercial Bank Co Ltd stock price
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About Jiangsu Jiangyin Rural Commercial Bank Co Ltd
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. provides various personal and corporate banking products and services in China. The company operates through Corporate Business, Personal Business, Treasury Business, and others segments. It offers fixed, current, smart, notice, time, and demand deposits, as well as deposit certificates; gold, mortgage, and personal business and consumption loans; business operating, project, syndicated, agricultural, fund pool, auction, commer…
Full company profileJiangsu Jiangyin Rural Commercial Bank Co Ltd financial statements
2026 annualized: Fiscal year 2026 is not finished. Income statement and cash flow are annualized from 3 quarters up to Sep 30, 2026, the balance sheet is the latest quarter. Figures change when the annual report is published.
Jiangsu Jiangyin Rural Commercial Bank Co Ltd annual financial statements (CNY; K = thousand, M = million, B = billion, T = trillion)
| Item | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 Anlz |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 4.35B | 4.73B | 5.53B | 5.89B | 5.99B | 6.27B | 6.81B | 7.05B | 6.99B | 4.04B | 4.43B |
| Gross Profit | 2.44B | 2.48B | 3.18B | 3.40B | 3.27B | 3.31B | 3.72B | 3.80B | 3.89B | - | - |
| Operating Income | 833M | 772M | 606M | 1.11B | 1.11B | 1.32B | 1.68B | 2.07B | 2.17B | - | - |
| EBITDA | 929M | 867M | 720M | 1.23B | 1.23B | 1.47B | 1.83B | 2.23B | 2.33B | - | - |
| Net Income | 778M | 808M | 857M | 1.01B | 1.06B | 1.27B | 1.62B | 1.89B | 2.04B | 2.05B | 1.77B |
| EPS | 0.40 | 0.38 | 0.36 | 0.44 | 0.41 | 0.49 | 0.62 | 0.72 | 0.79 | 0.76 | 0.65 |
| Balance Sheet | |||||||||||
| Total Assets | 104B | 109B | 115B | 126B | 143B | 153B | 169B | 186B | 200B | 219B | 231B |
| Total Liabilities | 95.1B | 100B | 104B | 114B | 131B | 140B | 154B | 170B | 181B | 199B | 210B |
| Shareholders' Equity | 8.75B | 9.15B | 10.6B | 11.8B | 12.1B | 13.0B | 14.3B | 15.8B | 18.6B | 19.6B | 20.9B |
| Cash & Short-term Investments | 13.3B | 11.5B | 13.0B | 11.9B | 11.5B | 10.7B | 10.3B | 9.86B | 10.0B | 13.1B | 13.3B |
| Total Debt | 4.14B | 3.32B | 12.4B | 5.91B | 10.7B | 7.30B | 8.47B | 8.63B | 3.83B | - | - |
| Cash Flow | |||||||||||
| Operating Cash Flow | 5.81B | 2.03B | -11.9B | 11.5B | 3.35B | 4.07B | 392M | -400M | 3.69B | -2.38B | 14.2B |
| Capital Expenditure | 262M | 335M | 304M | 147M | 154M | 178M | 275M | 155M | 235M | 310M | 151M |
| Free Cash Flow | 5.55B | 1.70B | -12.2B | 11.3B | 3.19B | 3.90B | 117M | -555M | 3.45B | -2.69B | 14.0B |
| Ratios | |||||||||||
| ROE | 8.9% | 8.8% | 8.1% | 8.6% | 8.7% | 9.8% | 11.3% | 12.0% | 11.0% | 10.5% | 8.5% |
| ROA | 0.7% | 0.7% | 0.7% | 0.8% | 0.7% | 0.8% | 1.0% | 1.0% | 1.0% | 0.9% | 0.8% |
| Net Profit Margin | 17.9% | 17.1% | 15.5% | 17.2% | 17.7% | 20.3% | 23.7% | 26.8% | 29.1% | 50.7% | 39.9% |
| Debt to Equity | 0.47x | 0.36x | 1.18x | 0.50x | 0.88x | 0.56x | 0.59x | 0.55x | 0.21x | - | - |
What these items mean
- Revenue
- Total sales of goods and services in the period.
- Gross Profit
- Revenue minus the direct cost of producing what was sold.
- Operating Income
- Profit from the core business after operating expenses.
- EBITDA
- Earnings before interest, taxes, depreciation and amortization.
- Net Income
- Profit left for shareholders after all expenses, interest and taxes.
- EPS
- Net income divided by shares outstanding.
- Total Assets
- Everything the company owns.
- Total Liabilities
- Everything the company owes.
- Shareholders' Equity
- Assets minus liabilities: the book value that belongs to shareholders.
- Cash & Short-term Investments
- Cash and investments that can be turned into cash quickly.
- Total Debt
- Short and long-term borrowings.
- Operating Cash Flow
- Cash generated by the core business.
- Capital Expenditure
- Cash spent on property, plant and equipment.
- Free Cash Flow
- Operating cash flow minus capital expenditure: cash left for dividends, buybacks or debt repayment.
- ROE
- Return on equity: net income divided by shareholders' equity.
- ROA
- Return on assets: net income divided by total assets.
- Net Profit Margin
- Net income as a share of revenue.
- Debt to Equity
- Total debt divided by shareholders' equity.
Jiangsu Jiangyin Rural Commercial Bank Co Ltd dividends
- Dividend yield
- 6.87%
- Forward dividend
- 0.31 CNY
- Payout ratio
- 38.7%
- Ex-dividend date
- Oct 16, 2026
| Fiscal year | Dividends paid | Per share | Payout ratio |
|---|---|---|---|
| 2025 | CNY 794M | 0.29 | 38.7% |
| 2024 | CNY 612M | 0.24 | 30.1% |
| 2023 | CNY 511M | 0.20 | 27.0% |
| 2022 | CNY 479M | 0.18 | 29.6% |
| 2021 | CNY 447M | 0.17 | 35.1% |
| 2020 | CNY 391M | 0.15 | 37.0% |
| 2019 | CNY 93.5M | 0.04 | 9.2% |
| 2018 | CNY 183M | 0.08 | 21.4% |
| 2017 | CNY 265M | 0.12 | 32.8% |
From the cash flow statement: dividends paid in the fiscal year, divided by that year's shares outstanding. Payout ratio = dividends paid / net income.
Last stock split: 1.1:1 on May 29, 2026.
Who owns Jiangsu Jiangyin Rural Commercial Bank Co Ltd
- Insiders 20.58%
- Institutions 13.75%
- Public & others 65.67%
- Shares outstanding 2.71B
- Free float 2.06B
Jiangsu Jiangyin Rural Commercial Bank Co Ltd company profile
- Company name
- Jiangsu Jiangyin Rural Commercial Bank Co Ltd
- Ticker
- 002807.SHE
- ISIN
- CNE100002BL6
- Exchange
- Shenzhen Stock Exchange
- Sector
- Financial Services
- Industry
- Banks
- Employees
- 1,747
- Fiscal year end
- December
- Address
- No. 1 Chengjiang Middle Road, Jiangyin, China, 214431
- Phone
- 86 51 096 078
- Website
- jybank.com.cn
About Jiangsu Jiangyin Rural Commercial Bank Co Ltd
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. provides various personal and corporate banking products and services in China. The company operates through Corporate Business, Personal Business, Treasury Business, and others segments. It offers fixed, current, smart, notice, time, and demand deposits, as well as deposit certificates; gold, mortgage, and personal business and consumption loans; business operating, project, syndicated, agricultural, fund pool, auction, commercial property, revolving, technology, and green energy loans; and corporate finance. The company also provides citizen, debit, and credit cards; international remittance, foreign currency exchange and settlement, and clean collection; and agency funds, precious metal sales, and third-party custody services. In addition, it offers letter of credit, documentary and clean collection, packaged loans, export bill purchase, forfaiting, export invoice financing, offshore non-financing guarantee, credit insurance, import bill purchase, import payment, and bill pledge financing; and cross border RMB business, online and mobile banking, Wechat bank, golden neighborhood, convenient services, points mall, cashier services, and micro finance products. Further, the company offers transactional financial instruments, bond investment, repurchase and resale bond business, and interbank lending business. Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. was founded in 2001 and is headquartered in Jiangyin, China.
Jiangsu Jiangyin Rural Commercial Bank Co Ltd management
8- Mr. Qinghua NiPresident & Non-Independent Director · born 1976
- Ms. Hui Juan ChangCFO & Head of Accounting Department · born 1973
- Ms. Danjuan BianSecretary of the Board & Director · born 1973
- Ms. Zhijuan NiVice President · born 1975
- Mr. Kai WangVice President · born 1986
- Mr. Anguo WangVice President · born 1982
- Mr. Kaicheng ChenVice President · born 1984
- Mr. Gan YuVice President · born 1989