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Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS)

CNY2.60 +0.05 (+1.96%)
CN SHH Financial Services Banks - Diversified
Address No. 381 Jiangdong Middle Road
Nanjing, CN
CEO Wenxiong Shi
IPO 2019-01-10
ISIN CNE100003GZ3

Explore sections of this company profile

Description

Established in 2011 and headquartered in Nanjing, China, Jiangsu Zijin Rural Commercial Bank Co.,Ltd offers a comprehensive array of financial products and services tailored for both individual and corporate clients. The bank provides fundamental banking solutions such as various deposit accounts and lending options. Furthermore, it handles foreign currency deposits, facilitates international settlements, offers trade financing, and manages treasury operations. The institution also extends its expertise to the broader financial industry and delivers specialized investment banking services. For convenient access, customers can utilize its debit and credit cards, robust mobile and internet banking platforms, and its network of ATMs.

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
CNY2.60 +0.05 (+1.96%)
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Volume Profile
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Liquidity & share structure
Average Volume
36M
Beta
0.39
Float Shares
3.63B
Free Float %
99.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.19% +0.00% -4.83% -8.24% -7.58% -7.25% -11.72% -3.03% -33.33% -43.36% -43.36%
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
2.60
DCF (Levered) 6.48 +149.3%

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
0.08
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +137.5% Q1'26: +173.5% (vs Q1'25)
  • EPS growth
    -22.5% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: -40.1% (vs Q1'25)
  • EBIT margin
    Q1'26: +21.2% (vs Q1'25)
  • ROIC
    Q1'26: +3.3% (vs Q1'25)
  • Share dilution
    -1.1% Q1'26: +1.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 21.55× (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 (0.44) × ERP
WACC = 21% × Ke + 79% × Kd (11.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 2.60
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 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
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
2.94B
est: 4.20B (-29.9%)
3.08B
est: 4.69B (-34.3%)
2.98B
est: 4.94B (-39.6%)
8.98B
est: 5.27B (+70.5%)
9.01B
est: 4.92B (+83.1%)
9.50B
est: 8.24B (+15.2%)
3.61B
est: 10.26B (-64.8%)
8.58B
est: 11.40B (-24.7%)
4.29B
4.29B – 4.29B
-62.4% YoY
4.49B
4.49B – 4.49B
+4.7% YoY
4.78B
4.78B – 4.78B
+6.6% YoY
EBITDA
2.23B
est: 1.06B (+110.3%)
1.70B
est: 1.18B (+43.5%)
1.75B
est: 1.25B (+40.3%)
1.88B
est: 1.33B (+41.4%)
2.12B
est: 1.24B (+70.9%)
2.19B
est: 2.08B (+5.3%)
est: 1.74B (-100.0%)
1.49B
est: 1.93B (-23.1%)
727.18M
727.18M – 727.18M
-62.4% YoY
761.30M
761.30M – 761.30M
+4.7% YoY
811.36M
811.36M – 811.36M
+6.6% YoY
EBIT
2.23B
est: 983.87M (+126.3%)
1.56B
est: 1.10B (+41.8%)
1.75B
est: 1.16B (+50.9%)
1.88B
est: 1.23B (+52.1%)
1.94B
est: 1.15B (+68.4%)
2.00B
est: 1.93B (+3.5%)
-178.28M
est: 1.52B (-111.7%)
1.34B
est: 1.69B (-21.0%)
635.67M
635.67M – 635.67M
-62.4% YoY
665.49M
665.49M – 665.49M
+4.7% YoY
709.25M
709.25M – 709.25M
+6.6% YoY
Net Income
1.25B
est: 1.42B (-11.7%)
1.42B
est: 1.54B (-8.1%)
1.44B
est: 1.60B (-10.1%)
1.52B
est: 1.66B (-8.9%)
1.60B
est: 1.79B (-10.4%)
1.62B
est: 295.89M (+447.1%)
1.62B
est: 877.94M (+84.9%)
1.24B
est: 1.46B (-15.0%)
1.41B
1.41B – 1.41B
-4.0% YoY
1.45B
1.45B – 1.45B
+2.9% YoY
1.53B
1.53B – 1.53B
+5.6% YoY
SGA
1.41B
est: 1.22B (+16.0%)
1.39B
est: 1.36B (+1.9%)
1.36B
est: 1.43B (-5.2%)
1.61B
est: 1.53B (+5.6%)
1.74B
est: 1.43B (+21.7%)
1.70B
est: 2.39B (-29.2%)
1.61B
est: 2.26B (-28.8%)
886.70M
est: 2.51B (-64.6%)
941.68M
941.68M – 941.68M
-62.4% YoY
985.85M
985.85M – 985.85M
+4.7% YoY
1.05B
1.05B – 1.05B
+6.6% YoY
EPS
0.38
est: 0.35 (+8.6%)
0.39
est: 0.38 (+2.6%)
0.39
est: 0.40 (-1.3%)
0.41
est: 0.41 (+0.0%)
0.44
est: 0.44 (-0.7%)
0.44
est: 0.07 (+503.6%)
0.44
est: 0.22 (+101.2%)
0.34
est: 0.36 (-6.7%)
0.35
0.35 – 0.35
-4.0% YoY
0.36
0.36 – 0.36
+2.9% YoY
0.38
0.38 – 0.38
+5.6% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 5/5 3/5 2/5 1/5 3/5 4/5
2026-05-28 B+ 3/5 5/5 3/5 2/5 1/5 3/5 4/5
2026-05-27 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-26 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-25 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-22 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-21 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-20 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-19 B+ 3/5 5/5 2/5 3/5 1/5 3/5 4/5
2026-05-18 B+ 3/5 5/5 2/5 3/5 1/5 3/5 4/5
2026-05-15 B+ 3/5 5/5 2/5 3/5 1/5 3/5 4/5
2026-05-14 B+ 3/5 5/5 2/5 3/5 1/5 3/5 4/5
2026-05-13 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-12 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-11 B 3/5 5/5 2/5 2/5 1/5 3/5 4/5
2026-05-08 B+ 3/5 5/5 2/5 3/5 1/5 3/5 4/5
2026-05-07 B+ 3/5 5/5 2/5 3/5 1/5 3/5 4/5
2026-05-06 B+ 3/5 5/5 2/5 3/5 1/5 3/5 4/5
2026-04-30 B+ 3/5 5/5 2/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 5/5 2/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 5/5 2/5 3/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 5/5 2/5 3/5 1/5 4/5 4/5
2026-04-24 A- 4/5 5/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-8.68B
OE per share TTM
-2.02
Owner's Yield
-92.58%
Maintenance CapEx ratio
65.78%
Maint CapEx / Avg PPE
20.8%

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

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
545.3K
Shares Outstanding
3.66B

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
Fei Wu Board Secretary male
Haojun Hang Vice President male
Qing Guo Wang Vice President of Finance male
Wei Xu Vice President male
Wenxiong Shi President male
Yu Ning Li Accounting Supervisor 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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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.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits