Jiangsu Suzhou Rural Commercial Bank Co., Ltd Logo

Jiangsu Suzhou Rural Commercial Bank Co., Ltd

603323.SS

(3.5)
Stock Price

5,33 CNY

0.87% ROA

11.89% ROE

5.24x PER

Market Cap.

10.092.720.000,00 CNY

111.86% DER

3.27% Yield

30.8% NPM

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Stock Analysis

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.49x), the stock offers substantial upside potential at a bargain price.

2 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROE

The stock's ROE falls within an average range (11.44%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.85%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

8 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

9 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

10 Buffet Intrinsic Value

The company's stock seems undervalued (9) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 DER

The company has a high debt to equity ratio (104%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Revenue
Year Revenue Growth
2005 704.997.000
2006 918.359.000 23.23%
2007 897.911.000 -2.28%
2008 1.017.297.000 11.74%
2009 989.733.000 -2.78%
2010 1.218.896.000 18.8%
2011 1.710.451.000 28.74%
2012 2.105.805.000 18.77%
2013 2.283.746.000 7.79%
2014 2.430.010.000 6.02%
2015 2.368.467.000 -2.6%
2016 2.251.872.000 -5.18%
2017 2.725.788.000 17.39%
2018 3.148.953.000 13.44%
2019 3.518.207.000 10.5%
2020 3.738.920.000 5.9%
2021 3.833.911.000 2.48%
2022 4.030.309.000 4.87%
2023 3.898.380.000 -3.38%
2023 7.595.785.000 48.68%
2024 4.497.332.000 -68.9%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 199.703.000
2006 244.900.000 18.46%
2007 335.887.000 27.09%
2008 340.450.000 1.34%
2009 384.391.000 11.43%
2010 438.834.000 12.41%
2011 575.278.000 23.72%
2012 651.426.000 11.69%
2013 743.952.000 12.44%
2014 727.994.000 -2.19%
2015 748.962.000 2.8%
2016 784.688.000 4.55%
2017 887.294.000 11.56%
2018 1.076.627.000 17.59%
2019 1.218.476.000 11.64%
2020 1.228.011.000 0.78%
2021 1.260.757.000 2.6%
2022 1.376.872.000 8.43%
2023 1.364.312.000 -0.92%
2023 1.401.904.000 2.68%
2024 1.094.264.000 -28.11%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd EBITDA
Year EBITDA Growth
2005 477.778.000
2006 616.652.000 22.52%
2007 870.763.000 29.18%
2008 915.619.000 4.9%
2009 897.576.000 -2.01%
2010 1.119.737.000 19.84%
2011 1.798.316.000 37.73%
2012 2.313.725.206 22.28%
2013 2.478.354.000 6.64%
2014 2.304.453.000 -7.55%
2015 2.098.975.000 -9.79%
2016 2.019.351.000 -3.94%
2017 2.237.218.000 9.74%
2018 2.899.682.000 22.85%
2019 1.139.783.000 -154.41%
2020 1.228.090.000 7.19%
2021 1.440.583.000 14.75%
2022 5.038.396.000 71.41%
2023 2.254.792.000 -123.45%
2023 327.735.000 -587.99%
2024 3.000.992.000 89.08%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Gross Profit
Year Gross Profit Growth
2005 704.997.000
2006 918.359.000 23.23%
2007 897.911.000 -2.28%
2008 1.017.297.000 11.74%
2009 989.733.000 -2.78%
2010 1.218.896.000 18.8%
2011 1.710.451.000 28.74%
2012 2.105.805.000 18.77%
2013 2.283.746.000 7.79%
2014 2.430.010.000 6.02%
2015 2.368.467.000 -2.6%
2016 2.251.872.000 -5.18%
2017 2.725.788.000 17.39%
2018 3.148.953.000 13.44%
2019 3.518.207.000 10.5%
2020 3.738.920.000 5.9%
2021 3.833.911.000 2.48%
2022 4.030.309.000 4.87%
2023 3.898.380.000 -3.38%
2023 7.595.785.000 48.68%
2024 4.497.332.000 -68.9%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Net Profit
Year Net Profit Growth
2005 260.242.000
2006 211.594.000 -22.99%
2007 334.723.000 36.79%
2008 369.497.000 9.41%
2009 365.499.000 -1.09%
2010 542.351.000 32.61%
2011 761.507.000 28.78%
2012 863.683.000 11.83%
2013 964.508.000 10.45%
2014 767.744.000 -25.63%
2015 604.448.000 -27.02%
2016 650.290.000 7.05%
2017 731.115.000 11.06%
2018 802.175.000 8.86%
2019 913.227.000 12.16%
2020 951.460.000 4.02%
2021 1.160.354.000 18%
2022 1.501.757.000 22.73%
2023 1.928.052.000 22.11%
2023 1.742.586.000 -10.64%
2024 2.822.320.000 38.26%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 1
2006 0 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%
2023 1 0%
2024 2 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Free Cashflow
Year Free Cashflow Growth
2005 1.280.546.000
2006 1.913.942.000 33.09%
2007 -2.655.677.000 172.07%
2008 1.678.976.000 258.17%
2009 703.561.000 -138.64%
2010 2.598.559.000 72.92%
2011 4.356.478.000 40.35%
2012 2.239.408.000 -94.54%
2013 -176.771.000 1366.84%
2014 -3.698.634.000 95.22%
2015 5.357.366.000 169.04%
2016 2.333.875.000 -129.55%
2017 -1.104.581.000 311.29%
2018 2.406.547.000 145.9%
2019 3.489.766.000 31.04%
2020 7.091.303.000 50.79%
2021 -2.006.833.000 453.36%
2022 6.192.506.000 132.41%
2023 -132.489.000 4773.98%
2023 -2.905.637.000 95.44%
2024 4.183.211.000 169.46%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Operating Cashflow
Year Operating Cashflow Growth
2005 1.318.679.000
2006 1.985.777.000 33.59%
2007 -2.456.551.000 180.84%
2008 1.850.662.000 232.74%
2009 841.801.000 -119.85%
2010 2.839.961.000 70.36%
2011 4.484.905.000 36.68%
2012 2.420.919.000 -85.26%
2013 39.389.000 -6046.18%
2014 -3.470.017.000 101.14%
2015 5.477.663.000 163.35%
2016 2.541.299.000 -115.55%
2017 -776.854.000 427.13%
2018 2.651.796.000 129.3%
2019 3.787.867.000 29.99%
2020 7.358.413.000 48.52%
2021 -1.778.939.000 513.64%
2022 6.401.348.000 127.79%
2023 58.177.000 -10903.23%
2023 -2.861.798.000 102.03%
2024 4.218.885.000 167.83%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Capital Expenditure
Year Capital Expenditure Growth
2005 38.133.000
2006 71.835.000 46.92%
2007 199.126.000 63.92%
2008 171.686.000 -15.98%
2009 138.240.000 -24.19%
2010 241.402.000 42.73%
2011 128.427.000 -87.97%
2012 181.511.000 29.25%
2013 216.160.000 16.03%
2014 228.617.000 5.45%
2015 120.297.000 -90.04%
2016 207.424.000 42%
2017 327.727.000 36.71%
2018 245.249.000 -33.63%
2019 298.101.000 17.73%
2020 267.110.000 -11.6%
2021 227.894.000 -17.21%
2022 208.842.000 -9.12%
2023 190.666.000 -9.53%
2023 43.839.000 -334.92%
2024 35.674.000 -22.89%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Equity
Year Equity Growth
2005 898.537.000
2006 1.085.983.000 17.26%
2007 1.340.095.000 18.96%
2008 1.658.114.000 19.18%
2009 1.977.080.000 16.13%
2010 3.636.607.000 45.63%
2011 4.337.096.000 16.15%
2012 4.820.075.000 10.02%
2013 5.522.189.000 12.71%
2014 6.105.607.000 9.56%
2015 6.659.750.000 8.32%
2016 7.878.785.000 15.47%
2017 8.472.803.000 7.01%
2018 9.521.359.000 11.01%
2019 11.624.839.000 18.09%
2020 12.140.188.000 4.24%
2021 13.268.267.000 8.5%
2022 14.328.226.000 7.4%
2023 15.554.159.000 7.88%
2023 15.644.747.000 0.58%
2024 16.717.651.000 6.42%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Assets
Year Assets Growth
2005 15.626.546.000
2006 20.280.159.000 22.95%
2007 21.218.891.000 4.42%
2008 25.906.905.000 18.1%
2009 31.558.773.000 17.91%
2010 40.001.756.000 21.11%
2011 54.003.176.000 25.93%
2012 57.176.676.000 5.55%
2013 62.483.467.000 8.49%
2014 61.945.498.000 -0.87%
2015 71.452.538.000 13.31%
2016 81.348.355.000 12.16%
2017 95.270.884.000 14.61%
2018 116.782.012.000 18.42%
2019 125.955.321.000 7.28%
2020 139.440.364.000 9.67%
2021 158.724.694.000 12.15%
2022 180.277.961.000 11.96%
2023 201.115.263.000 10.36%
2023 202.564.681.000 0.72%
2024 217.502.290.000 6.87%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Liabilities
Year Liabilities Growth
2005 14.728.009.000
2006 19.194.176.000 23.27%
2007 19.878.796.000 3.44%
2008 24.248.791.000 18.02%
2009 29.581.693.000 18.03%
2010 36.365.149.000 18.65%
2011 49.666.080.000 26.78%
2012 52.356.601.000 5.14%
2013 56.961.278.000 8.08%
2014 55.839.891.000 -2.01%
2015 64.792.788.000 13.82%
2016 73.469.570.000 11.81%
2017 86.798.081.000 15.36%
2018 107.260.653.000 19.08%
2019 9.401.068.000 -1040.94%
2020 9.420.583.000 0.21%
2021 11.652.764.000 19.16%
2022 14.223.737.000 18.08%
2023 15.984.204.000 11.01%
2023 186.919.934.000 91.45%
2024 18.684.196.000 -900.42%

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.41
Net Income per Share
1.05
Price to Earning Ratio
5.24x
Price To Sales Ratio
1.64x
POCF Ratio
-4.81
PFCF Ratio
-4.54
Price to Book Ratio
0.59
EV to Sales
1.74
EV Over EBITDA
7.76
EV to Operating CashFlow
-5.17
EV to FreeCashFlow
-4.8
Earnings Yield
0.19
FreeCashFlow Yield
-0.22
Market Cap
10,09 Bil.
Enterprise Value
10,67 Bil.
Graham Number
14.8
Graham NetNet
-0.32

Income Statement Metrics

Net Income per Share
1.05
Income Quality
-1.74
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.95
EBT Per Ebit
1.51
Ebit per Revenue
0.21
Effective Tax Rate
0.05

Margins

Sales, General, & Administrative to Revenue
0.22
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.21
Pretax Profit Margin
0.32
Net Profit Margin
0.31

Dividends

Dividend Yield
0.03
Dividend Yield %
3.27
Payout Ratio
0.34
Dividend Per Share
0.18

Operating Metrics

Operating Cashflow per Share
-1.14
Free CashFlow per Share
-1.23
Capex to Operating CashFlow
-0.08
Capex to Revenue
0.03
Capex to Depreciation
-7.09
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.09

Balance Sheet

Cash per Share
10,04
Book Value per Share
110,27
Tangible Book Value per Share
110.05
Shareholders Equity per Share
9.26
Interest Debt per Share
12.49
Debt to Equity
1.12
Debt to Assets
0.09
Net Debt to EBITDA
0.42
Current Ratio
0
Tangible Asset Value
198,43 Bil.
Net Current Asset Value
-0,58 Bil.
Invested Capital
20050563000
Working Capital
18,11 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.85

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Dividends
Year Dividends Growth
2018 0
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Profile

About Jiangsu Suzhou Rural Commercial Bank Co., Ltd

Jiangsu Suzhou Rural Commercial Bank Co., Ltd provides personal and corporate banking products and services in China. The company offers current and savings accounts, and other deposits; certificates of deposits; loans and corporate and SME financing; and wealth management, intermediate, and internet banking services, as well as cards. It also provides international trade finance and settlement, letters of credit, and foreign currency savings and exchange services. The company was formerly known as Jiangsu Wujiang Rural Commercial Bank Co., Ltd. and changed its name to Jiangsu Suzhou Rural Commercial Bank Co., Ltd in March 2019. The company was founded in 2004 and is headquartered in Suzhou, China.

CEO
Mr. Ying Jie Zhuang
Employee
1.864
Address
No. 1777, Zhongshan South Road
Suzhou, 215200

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Executives & BODs

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Executives & BODs
# Name Age
1 Mr. Huang Xun
Vice President
70
2 Ms. Li Li
Compliance Officer
70
3 Mr. Zheng Hua Ni
Chief Information Officer
70
4 Ms. Yuchen Miao
Vice President & Executive Director
70
5 Mr. Weizhong Xu
Vice President
70
6 Mr. Ying Jie Zhuang
President & Director
70
7 Ms. Yingdong Lu
Board Secretary & Executive Director
70
8 Mr. Zhichao Shen
Vice President & Executive Director
70
9 Ms. Ping Qiu
Vice President
70

Jiangsu Suzhou Rural Commercial Bank Co., Ltd Competitors