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Jiangsu Changshu Rural Commercial Bank Co., Ltd. (601128.SS)

CNY6.24 +0.09 (+1.46%)
CN SHH Financial Services Banks - Regional
Address No. 58 Xinshiji Dadao 215500
Changshu, CN
CEO Yong Li
Website csrcbank.com
IPO 2016-10-10
ISIN CNE100002RJ6

Explore sections of this company profile

Description

Jiangsu Changshu Rural Commercial Bank Co., Ltd. delivers a broad spectrum of financial services primarily to rural communities across China. Its personal banking offerings encompass savings accounts, various debit and credit card options, payment solutions, wealth management, private banking, insurance, and third-party depository services, alongside specialized microfinance products. The bank also provides diverse lending facilities focused on rural and agricultural development, including loans for villages, agricultural construction, rural projects, grain production, fishing, general farm operations, and shed renovations. For businesses, it offers corporate finance products, cash management, settlement, and agency services. Furthermore, the company facilitates international transactions through foreign exchange trading, global settlement services, and international trade finance. Clients can also access its investment banking, financial markets, and online banking platforms. Established in 2001, the bank is based in Changshu, 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
CNY6.24 +0.09 (+1.46%)
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Volume Profile
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Liquidity & share structure
Average Volume
44M
Beta
0.03
Float Shares
3.32B
Free Float %
100.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.58% -0.28% -3.14% -1.39% -0.56% +0.71% -1.53% +19.16% +24.60% +39.29% +39.29%
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
6.24
DCF (Unlevered) 14.35 +130.0%
DCF (Levered) 29.25 +368.8%

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)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • ✗
    Revenue growth
    +0.9% Q1'26: -0.5% (vs Q1'25)
  • ✗
    EPS growth
    -1.9% Q1'26: +0.0% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: -9.7% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +32.5% (vs Q1'25)
  • —
    ROIC
    — Q1'26: +8.6% (vs Q1'25)
  • ✗
    Share dilution
    +12.8% Q1'26: +11.1% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 7.56× (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 (0.05) × ERP
WACC = 62% × Ke + 38% × Kd (36.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 14.35 Current price: 6.24
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
8 Rev. Ana.
6 EPS Ana. 		Dec 2027
8 Rev. Ana.
7 EPS Ana. 		Dec 2028
6 Rev. Ana.
4 EPS Ana.
Revenue
6.87B
est: 4.45B (+54.5%)
7.98B
est: 5.20B (+53.4%)
9.31B
est: 5.80B (+60.4%)
10.06B
est: 6.55B (+53.6%)
10.66B
est: 6.68B (+59.5%)
12.36B
est: 7.63B (+62.1%)
14.33B
est: 8.88B (+61.5%)
16.33B
est: 8.03B (+103.4%)
17.95B
est: 10.66B (+68.4%)
18.11B
est: 11.78B (+53.8%)
12.46B
12.36B – 12.54B
+5.8% YoY
13.46B
13.16B – 13.82B
+8.0% YoY
14.65B
14.59B – 14.71B
+8.8% YoY
EBITDA
1.42B
est: 1.13B (+25.6%)
1.79B
est: 1.32B (+35.0%)
2.11B
est: 1.48B (+43.0%)
2.41B
est: 1.67B (+44.5%)
2.38B
est: 1.70B (+39.7%)
2.93B
est: 1.94B (+51.2%)
3.65B
est: 2.26B (+61.8%)
4.36B
est: 3.17B (+37.6%)
5.20B
est: 4.21B (+23.4%)
5.66B
est: 4.65B (+21.7%)
4.93B
4.89B – 4.96B
+5.8% YoY
5.32B
5.20B – 5.46B
+8.0% YoY
5.79B
5.77B – 5.81B
+8.8% YoY
EBIT
1.31B
est: 1.05B (+25.0%)
1.67B
est: 1.23B (+36.0%)
1.98B
est: 1.37B (+44.5%)
2.27B
est: 1.55B (+47.1%)
2.23B
est: 1.58B (+41.3%)
2.70B
est: 1.80B (+49.8%)
3.36B
est: 2.09B (+60.7%)
4.05B
est: 3.02B (+34.0%)
4.85B
est: 4.01B (+20.8%)
5.31B
est: 4.43B (+19.9%)
4.69B
4.65B – 4.72B
+5.8% YoY
5.07B
4.95B – 5.20B
+8.0% YoY
5.51B
5.49B – 5.54B
+8.8% YoY
Net Income
1.04B
est: 1.47B (-29.2%)
1.26B
est: 1.74B (-27.5%)
1.49B
est: 2.11B (-29.6%)
1.79B
est: 2.02B (-11.8%)
1.80B
est: 2.02B (-10.6%)
2.19B
est: 2.41B (-9.1%)
2.74B
est: 2.99B (-8.3%)
3.28B
est: 4.94B (-33.6%)
3.81B
est: 4.73B (-19.3%)
4.22B
est: 4.87B (-13.4%)
5.68B
5.61B – 5.76B
+16.6% YoY
5.17B
4.98B – 6.63B
-9.0% YoY
5.84B
5.53B – 7.49B
+12.9% YoY
SGA
567.79M
est: 344.79M (+64.7%)
623.19M
est: 403.34M (+54.5%)
700.38M
est: 449.91M (+55.7%)
879.45M
est: 508.10M (+73.1%)
986.09M
est: 518.27M (+90.3%)
1.01B
est: 591.41M (+70.0%)
1.13B
est: 688.33M (+64.1%)
1.14B
est: 571.20M (+99.0%)
1.18B
est: 758.47M (+55.0%)
1.10B
est: 838.07M (+30.8%)
886.78M
879.65M – 892.52M
+5.8% YoY
958.02M
936.46M – 983.16M
+8.0% YoY
1.04B
1.04B – 1.05B
+8.8% YoY
EPS
0.51
est: 0.40 (+28.6%)
0.57
est: 0.47 (+21.0%)
0.58
est: 0.57 (+1.7%)
0.69
est: 0.55 (+26.3%)
0.66
est: 0.54 (+21.2%)
0.80
est: 0.65 (+23.0%)
1.00
est: 0.82 (+22.7%)
1.09
est: 1.18 (-7.8%)
1.15
est: 1.13 (+1.8%)
1.27
est: 1.17 (+9.0%)
1.36
1.34 – 1.38
+16.9% YoY
1.49
1.19 – 1.59
+9.8% YoY
1.66
1.32 – 1.79
+10.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-28 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-27 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-26 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-25 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-22 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-21 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-20 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-19 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-18 A- 4/5 5/5 4/5 3/5 1/5 4/5 4/5
2026-05-15 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-05-14 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-05-13 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-05-12 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-05-11 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-05-08 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-05-07 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-05-06 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-04-30 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-04-29 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-28 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-27 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-24 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-23 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-22 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-21 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-20 A 4/5 5/5 4/5 4/5 1/5 4/5 4/5
2026-04-17 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
8.48B
OE per share TTM
2.30
Owner's Yield
36.08%
Maintenance CapEx ratio
7.08%
Maint CapEx / Avg PPE
13.2%

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 24 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree Emerging Markets SmallCap Dividend UCITS ETF DGSD.L 0.65% 282.6K 0.54%
2 Xtrackers Harvest CSI 500 China A-Shares Small Cap ETF ASHS 0.21% 75.7K 0.65%
3 Xtrackers Emerging Markets Carbon Reduction and Climate Improvers ETF EMCR 0.01% 4.3K 0.15%
4 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.01% 845.5K 0.06%
5 Dimensional - Emerging Markets Value ETF DFEV 0.01% 111.5K 0.46%
6 Dimensional - Emerging Core Equity Market ETF DFAE 0.00% 297.7K 0.29%
7 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 241.2K 0.39%
8 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 275.3K 0.28%
9 FlexShares Morningstar Emerging Markets Factor Tilt Index Fund TLTE 0.00% 7.7K 0.58%
10 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.00% 13.4K 0.44%

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
714.6K
Shares Outstanding
3.32B

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
Dingchang Lu President, Chief Compliance Officer & Director — male
Jiong Meng Assistant Governor — male
Qing Gan Vice President — female
Yong Li Vice President — male
Zhifeng Tang Secretary of the Board of Directors — male
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

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