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Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ)

CNY4.01 +0.07 (+1.78%)
CN SHZ Financial Services Banks - Regional
Address No. 1 Chengjiang Road 214431
Jiangyin, CN
CEO Qinghua Ni
IPO 2016-09-02
ISIN CNE100002BL6

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Description

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. is a financial institution offering a comprehensive suite of banking products and services to both individual customers and corporate entities throughout China. Its retail banking arm caters to individual clients with offerings such as deposit accounts, diverse financing options, bank cards, foreign currency exchange services, and wealth management solutions, complemented by various agency services. For its corporate clientele, the bank provides a range of financial instruments including specialized business deposits and various funding products, spanning traditional lending, technology-focused financing, and green finance solutions. Furthermore, the bank extends its services to international finance, providing solutions such as trade settlement, letters of credit, documentary collections, cross-border financing, and risk management tools like hedging, along with other specialized offerings. Beyond these, it supports small and micro-enterprises through dedicated financial products and offers modern digital banking channels, including online and mobile platforms, efficient payment processing, and various convenience services. With its origins tracing back to 2001, the institution is headquartered in Jiangyin, China.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CNY4.01 +0.07 (+1.78%)
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Volume Profile
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Liquidity & share structure
Average Volume
34M
Beta
0.33
Float Shares
2.30B
Free Float %
93.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.22% -2.39% -1.32% -4.87% -11.09% -1.75% +4.91% +8.72% +5.90% -19.39% -19.39%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
4.01
DCF (Unlevered) 9.04 +125.5%
DCF (Levered) 5.47 +36.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2025-05 Change
Strong Buy 2 0
Buy 0 -1
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.62
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -1.7% Q1'26: +0.5% (vs Q1'25)
  • EPS growth
    +5.1% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: -88.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +21.8% (vs Q1'25)
  • ROIC
    Q1'26: -7.7% (vs Q1'25)
  • Share dilution
    -4.9% Q1'26: 0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.24× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.33) × ERP
WACC = 73% × Ke + 27% × Kd (70.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 9.04 Current price: 4.01
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
4.35B
est: 2.47B (+76.3%)
4.73B
est: 2.39B (+98.0%)
5.53B
est: 3.22B (+71.5%)
5.89B
est: 3.47B (+69.7%)
5.99B
est: 3.49B (+71.3%)
6.27B
est: 3.37B (+86.2%)
6.81B
est: 3.78B (+80.2%)
7.05B
est: 3.82B (+84.7%)
6.99B
est: 3.84B (+82.0%)
6.88B
est: 4.01B (+71.6%)
4.07B
4.06B – 4.08B
+1.5% YoY
4.14B
4.13B – 4.14B
+1.6% YoY
EBITDA
928.74M
est: 670.24M (+38.6%)
867.31M
est: 649.77M (+33.5%)
719.96M
est: 875.09M (-17.7%)
1.23B
est: 943.55M (+30.6%)
1.23B
est: 949.26M (+29.8%)
1.47B
est: 914.75M (+60.4%)
1.83B
est: 1.03B (+78.1%)
2.23B
est: 1.04B (+115.1%)
2.33B
est: 1.93B (+21.0%)
2.53B
est: 2.01B (+25.7%)
2.04B
2.04B – 2.05B
+1.5% YoY
2.08B
2.07B – 2.08B
+1.6% YoY
EBIT
833.30M
est: 615.38M (+35.4%)
772.08M
est: 596.59M (+29.4%)
605.76M
est: 803.47M (-24.6%)
1.11B
est: 866.33M (+28.4%)
1.11B
est: 871.57M (+27.0%)
1.32B
est: 839.89M (+57.7%)
1.68B
est: 942.91M (+77.6%)
2.07B
est: 952.14M (+117.9%)
2.17B
est: 1.84B (+18.3%)
2.36B
est: 1.92B (+23.4%)
1.95B
1.94B – 1.95B
+1.5% YoY
1.98B
1.97B – 1.98B
+1.6% YoY
Net Income
777.93M
est: 949.09M (-18.0%)
808.45M
est: 992.21M (-18.5%)
857.35M
est: 1.04B (-17.2%)
1.01B
est: 1.40B (-27.5%)
1.06B
est: 1.27B (-16.7%)
1.27B
est: 1.53B (-16.6%)
1.62B
est: 1.92B (-15.6%)
1.89B
est: 2.15B (-12.1%)
2.04B
est: 1.99B (+2.2%)
2.05B
est: 2.10B (-2.6%)
2.18B
2.17B – 2.18B
+3.5% YoY
2.26B
2.26B – 2.27B
+4.0% YoY
SGA
301.92M
est: 187.80M (+60.8%)
331.82M
est: 182.06M (+82.3%)
331.91M
est: 245.20M (+35.4%)
349.23M
est: 264.38M (+32.1%)
331.13M
est: 265.98M (+24.5%)
337.83M
est: 256.31M (+31.8%)
1.15B
est: 287.75M (+299.2%)
363.17M
est: 290.57M (+25.0%)
358.81M
est: 294.79M (+21.7%)
401.28M
est: 307.57M (+30.5%)
312.33M
311.67M – 312.98M
+1.5% YoY
317.35M
316.69M – 318.01M
+1.6% YoY
EPS
0.40
est: 0.37 (+9.1%)
0.38
est: 0.38 (-0.9%)
0.36
est: 0.40 (-10.0%)
0.50
est: 0.54 (-7.4%)
0.49
est: 0.49 (+0.0%)
0.59
est: 0.59 (+0.0%)
0.74
est: 0.74 (+0.0%)
0.87
est: 0.83 (+4.8%)
0.84
est: 0.81 (+3.7%)
0.83
est: 0.86 (-2.9%)
0.89
0.88 – 0.89
+3.5% YoY
0.92
0.92 – 0.92
+4.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 A- 4/5 4/5 3/5 3/5 3/5 4/5 4/5
2026-05-08 A- 4/5 4/5 3/5 3/5 3/5 4/5 4/5
2026-05-07 A- 4/5 4/5 3/5 3/5 3/5 4/5 4/5
2026-05-06 A- 4/5 4/5 3/5 3/5 3/5 4/5 4/5
2026-04-30 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-29 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-28 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-27 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-04-24 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-04-23 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-22 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-21 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-20 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-17 A 4/5 4/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 A 4/5 4/5 4/5 5/5 1/5 4/5 4/5
2026-04-15 A 4/5 4/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.73B
OE per share TTM
1.11
Owner's Yield
24.76%
Maintenance CapEx ratio
12.66%
Maint CapEx / Avg PPE
15.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 20 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 State Street SPDR S&P Emerging Markets Small Cap ETF EWX 0.01% 88.9K 0.65%
2 Dimensional - Emerging Markets Value ETF DFEV 0.00% 98.2K 0.46%
3 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 252.5K 0.39%
4 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.00% 393.2K 0.06%
5 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.00% 9.5K 0.44%
6 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.00% 43.4K 0.26%
7 Vanguard FTSE Emerging Markets Shares ETF VGE.AX 0.00% 19.2K 0.48%
8 Vanguard FTSE Emerging Markets ETF VWO 0.00% 2.14M 0.06%
9 Dimensional - Emerging Core Equity Market ETF DFAE 0.00% 94.5K 0.29%
10 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 107.9K 0.28%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.38M
Shares Outstanding
2.46B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Anguo Wang Vice President male
Danjuan Bian Secretary of the Board & Director female
Feng Wang Vice President male
Gan Yu Vice President male
Hui Juan Chang Chief Financial Officer & Head of Accounting Department female
Kai Wang Vice President male
Kaicheng Chen Vice President male
Qinghua Ni President & Non-Independent Director male
Zhijuan Ni Vice President female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits