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Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ)
Zhangjiagang, CN
Established in 2001 and headquartered in Zhangjiagang, China, Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd offers a broad spectrum of banking and financial services throughout the country. For individual clients, the bank provides diverse deposit options, including demand, time, notice, fixed-term, agreement, and smart notification accounts, alongside personal large deposit certificates. Its wealth management offerings encompass financial planning, investment funds, fixed-term gold investments, life insurance products, and monetary funds. Additionally, retail customers can access personal foreign exchange services and convenient bill payment facilities for utilities such as water, electricity, digital television, telecommunications, and gas, as well as mobile payment solutions. The bank supports businesses with various domestic trade finance instruments, including factoring, letters of credit (L/C), L/C package loans, forfeiting, acceptance bill guarantees, seller financing, and domestic order financing. It also handles international settlements and trade finance, and offers specialized products for small and micro enterprises. General banking services include credit and debit cards, personal loans, and modern digital platforms through online and mobile banking, complemented by a network of ATMs. Beyond traditional banking, the institution actively participates in the bond, bill, credit asset, and interbank markets.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| 0.00% | -1.32% | -0.45% | -4.28% | -4.89% | -2.19% | +2.76% | -4.89% | -4.49% | -14.69% | -14.69% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 1 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-5.9% Q1'26: -7.6% (vs Q1'25)
-
EPS growth-11.5% Q1'26: +4.3% (vs Q1'25)
-
FCF margin— Q1'26: +1.1% (vs Q1'25)
-
EBIT margin— Q1'26: +31.4% (vs Q1'25)
-
ROIC— Q1'26: +6.4% (vs Q1'25)
-
Share dilution+17.2% Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 10.22× (vs Q1'25)
* 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.
| 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 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
4.19B
est: 2.46B (+70.6%)
|
4.26B
est: 2.50B (+70.7%)
|
4.89B
est: 2.59B (+88.7%)
|
6.15B
est: 3.67B (+67.5%)
|
6.78B
est: 4.18B (+62.0%)
|
7.97B
est: 4.65B (+71.4%)
|
8.57B
est: 4.92B (+74.3%)
|
8.69B
est: 4.65B (+86.9%)
|
8.63B
est: 4.63B (+86.4%)
|
8.12B
est: 4.77B (+70.3%)
|
4.89B
4.82B – 4.95B
+2.7% YoY
|
5.11B
5.01B – 5.19B
+4.5% YoY
|
5.36B
5.26B – 5.43B
+4.8% YoY
|
| EBITDA |
767.79M
est: 540.64M (+42.0%)
|
822.78M
est: 549.38M (+49.8%)
|
941.58M
est: 570.91M (+64.9%)
|
1.05B
est: 808.81M (+29.4%)
|
1.11B
est: 920.55M (+20.4%)
|
1.53B
est: 1.02B (+49.4%)
|
2.06B
est: 1.08B (+90.2%)
|
2.13B
est: 1.02B (+108.3%)
|
2.24B
est: 1.83B (+22.3%)
|
2.41B
est: 1.89B (+27.7%)
|
1.94B
1.90B – 1.96B
+2.7% YoY
|
2.02B
1.98B – 2.05B
+4.5% YoY
|
2.12B
2.08B – 2.15B
+4.8% YoY
|
| EBIT |
688.40M
est: 489.24M (+40.7%)
|
747.75M
est: 497.16M (+50.4%)
|
854.00M
est: 516.64M (+65.3%)
|
965.82M
est: 731.92M (+32.0%)
|
1.00B
est: 833.04M (+20.4%)
|
1.37B
est: 926.39M (+48.2%)
|
1.86B
est: 979.96M (+89.3%)
|
1.93B
est: 926.88M (+108.1%)
|
2.05B
est: 1.75B (+17.3%)
|
2.25B
est: 1.80B (+25.1%)
|
1.85B
1.82B – 1.87B
+2.7% YoY
|
1.93B
1.89B – 1.96B
+4.5% YoY
|
2.02B
1.99B – 2.05B
+4.8% YoY
|
| Net Income |
689.47M
est: 694.31M (-0.7%)
|
763.10M
est: 712.58M (+7.1%)
|
835.12M
est: 858.75M (-2.8%)
|
954.16M
est: 959.24M (-0.5%)
|
1.00B
est: 1.02B (-2.2%)
|
1.30B
est: 1.29B (+1.5%)
|
1.68B
est: 1.85B (-9.1%)
|
1.79B
est: 1.89B (-5.2%)
|
1.88B
est: 2.24B (-16.0%)
|
1.98B
est: 2.08B (-4.9%)
|
2.17B
2.10B – 2.20B
+4.0% YoY
|
2.27B
2.20B – 2.33B
+5.0% YoY
|
2.40B
2.35B – 2.44B
+5.6% YoY
|
| SGA |
258.18M
est: 134.18M (+92.4%)
|
300.53M
est: 136.35M (+120.4%)
|
325.42M
est: 141.69M (+129.7%)
|
286.12M
est: 200.74M (+42.5%)
|
337.24M
est: 228.47M (+47.6%)
|
409.52M
est: 254.07M (+61.2%)
|
463.50M
est: 268.76M (+72.5%)
|
458.17M
est: 254.21M (+80.2%)
|
563.02M
est: 398.56M (+41.3%)
|
1.68B
est: 410.53M (+309.6%)
|
421.42M
414.72M – 426.25M
+2.7% YoY
|
440.33M
431.43M – 446.63M
+4.5% YoY
|
461.27M
452.92M – 467.23M
+4.8% YoY
|
| EPS |
0.35
est: 0.32 (+10.5%)
|
0.36
est: 0.33 (+10.8%)
|
0.38
est: 0.39 (-3.0%)
|
0.44
est: 0.44 (+0.6%)
|
0.46
est: 0.47 (-1.4%)
|
0.60
est: 0.59 (+2.4%)
|
0.73
est: 0.84 (-13.5%)
|
0.78
est: 0.86 (-9.3%)
|
0.87
est: 0.87 (+0.0%)
|
0.77
est: 0.81 (-4.9%)
|
0.84
0.82 – 0.86
+4.0% YoY
|
0.89
0.85 – 0.91
+5.0% YoY
|
0.94
0.91 – 0.95
+5.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-08 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-29 | A- | 4/5 | 3/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 3/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 3/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 3/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF EMHD.L | 0.02% | 67.6K | 0.49% |
| 2 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.01% | 38.8K | 0.65% |
| 3 | Dimensional - Emerging Markets Value ETF DFEV | 0.00% | 99.3K | 0.46% |
| 4 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.00% | 243.1K | 0.39% |
| 5 | Dimensional Emerging Markets Sustainability Core 1 ETF DFSE | 0.00% | 14.2K | 0.44% |
| 6 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L | 0.00% | 78.6K | 0.17% |
| 7 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L | 0.00% | 78.6K | 0.17% |
| 8 | Dimensional - Emerging Core Equity Market ETF DFAE | 0.00% | 105.5K | 0.29% |
| 9 | Vanguard International High Dividend Yield ETF VYMI | 0.00% | 190.9K | 0.07% |
| 10 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.00% | 26.5K | 0.26% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Feiyan Qi | Board Secretary & Director | — | male |
| Hui Wang | Vice President | — | male |
| Jinlong Chen | Vice President | — | male |
| Kai Wu | President & Director | — | male |
| Mingyuan Wu | Vice President | — | male |
| Xiangdong Qian | Assistant to the President | — | male |
| Yi Tao | Vice President | — | female |
| Yufeng Zhu | Vice President and GM of the Finance & Accounting Department | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 002839.SZ
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
