002839.SHE Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd
- Market cap
- CNY 10.7B
- P/E
- 5.6x
- P/B
- 0.55x
- ROE
- 10.8%
- Dividend yield
- 9.55%
- Fundamental score
- -
Ratios use the latest price and the current fiscal year annualized from 3 quarters up to Sep 2026.
Is 002839.SHE undervalued?
Graham number002839.SHE trades 62.8% 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 Zhangjiagang Rural Commercial Bank Co Ltd fundamental analysis
No fundamental analysis for Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd yet.
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd stock price
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About Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd
Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd provides banking products and services in China. The company operates through four segments: Corporate Banking Business, Personal Banking Business, Treasury Business, and Other Businesses. The Corporate Banking Business segment provides services, including corporate loans, bill issuance, trade financing, corporate deposits and remittances, etc. to corporate customers. Its Personal Banking Business segment offers banking ser…
Full company profileJiangsu Zhangjiagang 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 Zhangjiagang 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 | 4.19B | 4.26B | 4.89B | 6.15B | 6.78B | 7.97B | 8.57B | 8.69B | 8.63B | 4.61B | 4.47B |
| Gross Profit | 2.33B | 2.32B | 2.90B | 3.71B | 4.10B | 4.53B | 4.71B | 4.40B | 4.57B | - | - |
| Operating Income | 688M | 748M | 854M | 966M | 1.00B | 1.37B | 1.86B | 1.93B | 2.05B | - | - |
| EBITDA | 768M | 823M | 942M | 1.05B | 1.11B | 1.53B | 2.06B | 2.13B | 2.24B | - | - |
| Net Income | 689M | 763M | 835M | 954M | 1.00B | 1.30B | 1.68B | 1.79B | 1.88B | 1.98B | 2.14B |
| EPS | 0.35 | 0.36 | 0.38 | 0.38 | 0.37 | 0.48 | 0.62 | 0.65 | 0.86 | 0.81 | 0.88 |
| Balance Sheet | |||||||||||
| Total Assets | 90.2B | 103B | 114B | 123B | 144B | 165B | 188B | 207B | 219B | 227B | 236B |
| Total Liabilities | 82.7B | 94.7B | 104B | 112B | 133B | 150B | 172B | 190B | 199B | 207B | 216B |
| Shareholders' Equity | 7.33B | 8.28B | 9.97B | 10.7B | 11.2B | 14.4B | 15.6B | 17.0B | 19.7B | 20.5B | 19.8B |
| Cash & Short-term Investments | 13.1B | 12.2B | 12.4B | 13.0B | 11.9B | 11.2B | 13.3B | 13.0B | 13.5B | 12.6B | 13.9B |
| Total Debt | 1.02B | 3.08B | 6.95B | 7.16B | 7.28B | 9.21B | 11.5B | 11.5B | 8.01B | - | - |
| Cash Flow | |||||||||||
| Operating Cash Flow | 6.27B | 5.51B | -3.80B | -3.78B | 7.62B | 158M | 7.63B | 1.80B | -420M | -3.24B | 951M |
| Capital Expenditure | 175M | 192M | 174M | 270M | 378M | 293M | 275M | 116M | 79.4M | 67.7M | 44.7M |
| Free Cash Flow | 6.09B | 5.31B | -3.97B | -4.05B | 7.24B | -135M | 7.36B | 1.68B | -499M | -3.31B | 906M |
| Ratios | |||||||||||
| ROE | 9.4% | 9.2% | 8.4% | 8.9% | 8.9% | 9.0% | 10.8% | 10.5% | 9.5% | 9.6% | 10.8% |
| ROA | 0.8% | 0.7% | 0.7% | 0.8% | 0.7% | 0.8% | 0.9% | 0.9% | 0.9% | 0.9% | 0.9% |
| Net Profit Margin | 16.5% | 17.9% | 17.1% | 15.5% | 14.8% | 16.4% | 19.6% | 20.6% | 21.8% | 42.9% | 48.0% |
| Debt to Equity | 0.14x | 0.37x | 0.70x | 0.67x | 0.65x | 0.64x | 0.74x | 0.67x | 0.41x | - | - |
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 Zhangjiagang Rural Commercial Bank Co Ltd dividends
- Dividend yield
- 9.55%
- Forward dividend
- 0.22 CNY
- Payout ratio
- 51.8%
- Ex-dividend date
- May 21, 2026
| Fiscal year | Dividends paid | Per share | Payout ratio |
|---|---|---|---|
| 2025 | CNY 1.02B | 0.42 | 51.8% |
| 2024 | CNY 886M | 0.40 | 47.2% |
| 2023 | CNY 823M | 0.30 | 46.0% |
| 2022 | CNY 677M | 0.25 | 40.3% |
| 2021 | CNY 502M | 0.19 | 38.5% |
| 2020 | CNY 390M | 0.15 | 39.0% |
| 2019 | CNY 281M | 0.11 | 29.5% |
| 2018 | CNY 182M | 0.08 | 21.8% |
| 2017 | CNY 188M | 0.09 | 24.7% |
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: 1.2:1 on May 5, 2022.
Who owns Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd
- Insiders 33.43%
- Institutions 14.55%
- Public & others 52.02%
- Shares outstanding 2.44B
- Free float 1.73B
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd company profile
- Company name
- Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd
- Ticker
- 002839.SHE
- ISIN
- CNE100002K54
- Exchange
- Shenzhen Stock Exchange
- Sector
- Financial Services
- Industry
- Banks
- Employees
- 2,249
- Fiscal year end
- December
- Address
- No. 66, Renmin Middle Road, Zhangjiagang, China, 215600
- Phone
- 86 512 5696 1859
- Website
- zrcbank.com
About Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd
Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd provides banking products and services in China. The company operates through four segments: Corporate Banking Business, Personal Banking Business, Treasury Business, and Other Businesses. The Corporate Banking Business segment provides services, including corporate loans, bill issuance, trade financing, corporate deposits and remittances, etc. to corporate customers. Its Personal Banking Business segment offers banking services, including retail loans, savings deposit business, credit card business, and remittance business to private customers. The Capital Business segment engages in the trading of financial instruments, asset management and trust plan investment, bond investment, repurchase and resale business, inter-bank lending industry Services, etc. Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd founded in 2001 and is based in Zhangjiagang, China.
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd management
8- Mr. Kai WuPresident & Director · born 1979
- Mr. Yufeng ZhuVP and GM of the Finance & Accounting Department · born 1977
- Mr. Feiyan QiBoard Secretary & Director · born 1983
- Ms. Yi TaoVice President · born 1985
- Mr. Hui WangVice President · born 1983
- Mr. Jinlong ChenVice President · born 1976
- Mr. Mingyuan WuVice President · born 1984
- Mr. Xiangdong QianAssistant to the President · born 1973