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Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. Class A

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. Class A

SSZSE:002839
4.32
CNY
-0.01
(-0.23%)
9.53BMarket Cap
Oct 30Next Earn
Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. Class A
SZSE:002839
(Shenzhen Stock Exchange)

Recent

price

4.32

P/E

ratio

- -

div

yld

7.41%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
CNY
0.67
0.93
1.03
1.09
1.17
1.17
1.18
1.09
1.33
1.72
1.88
2.08
2.05
1.92
1.97
1.79
- -
Revenue per Share
0.35
0.47
0.5
0.52
0.37
0.34
0.35
0.36
0.38
0.44
0.46
0.6
0.73
0.78
0.81
0.77
- -
Basic EPS, GAAP
6.78
2.82
1.19
-2.83
-1.87
3.88
3.09
2.5
-1.82
-1.87
3.32
-0.06
3.19
0.73
-0.22
-1.29
- -
Free Cash Flow per Basic Share
0.08
0.08
0.15
0.28
- -
0.11
0.1
0.09
0.08
0.13
0.18
0.23
0.29
0.36
0.38
0.4
0.32
Dividend per Share
2.85
3.43
2.55
2.8
3.25
3.6
3.75
3.82
4.6
4.92
5.16
6.65
7.17
7.85
8.07
8.4
7.87
Book Value per Share
2.77
3.35
2.5
2.75
3.19
3.54
3.7
3.77
4.55
4.86
5.09
6.56
7.1
7.79
8.03
8.37
7.84
Tangible Book Value per Share
1,942
1,948
1,956
1,941
1,949
1,970
1,970
2,130
2,179
2,160
2,183
2,173
2,304
2,291
2,319
2,570
2,434
Basic Weighted Avg Shares
1,310
1,808
2,022
2,106
2,275
2,308
2,333
2,324
2,901
3,706
4,096
4,527
4,713
4,395
4,575
4,611
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
67
76
91
79
75
88
81
106
157
205
205
189
158
- -
Depreciation Expense
680
909
978
1,003
731
673
689
763
835
954
1,001
1,304
1,682
1,787
1,879
1,979
- -
Net Income, GAAP
17.4
16.36
16.08
14.54
11.4
4.52
- -
- -
4.25
2.94
0.76
2.62
8.43
6.79
8.49
11.96
- -
Effective Tax Rate (%)
51.87
50.28
48.37
47.62
32.13
29.16
29.55
32.83
28.79
25.75
24.43
28.8
35.69
40.66
41.06
42.92
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
65
373
2,082
1,024
3,077
6,946
7,162
7,281
9,215
11,520
11,466
8,007
6,831
4,586
LT Debt
3,756
4,521
5,072
5,594
6,453
7,143
7,449
8,389
10,058
10,737
11,310
14,566
15,726
17,211
19,895
20,705
19,349
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
19.26
21.63
19.85
18.14
11.87
8.29
- -
- -
5.99
5.56
5.51
6
6.53
6.35
6.65
7.13
- -
Return on Capital (%)
19.66
22.26
20.73
19.19
12.38
10.07
9.61
9.78
9.15
9.25
9.15
10.18
11.22
10.96
10.22
9.83
- -
Return on Common Equity (%)

Capital Structure

CNY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,444
2,444
2,444
Market Capitalization
11,171
10,975
9,533

Working Capital

CNY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12,568
12,590
13,450
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CNY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.47%
13.17%
4.07%
Free Cash Flow
-577.71%
-1,058.47%
562.73%
Net Income, GAAP
11.77%
15.2%
5.35%
Sales/Revenue/Turnover
7.66%
2.55%
0.8%
Total Cash Common Dividend
18.59%
21.67%
15.55%

Quarterly Revenue

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,252
1,237
1,048
1,039
4,575
2025
1,303
1,229
- -
1,031
4,611
2026
1,244
1,145
- -
- -
- -

Quarterly Earnings Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.25
0.19
0.25
0.16
0.81
2025
0.23
0.18
- -
0.17
0.77
2026
0.24
0.18
- -
- -
- -

Quarterly Dividends Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.19
0.1
0.05
0.07
0.38
2025
0.01
0.28
- -
0.11
0.4
2026
0.01
0.2
- -
- -
- -
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Business
Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. delivers a comprehensive array of banking and financial services across China. The institution provides various savings instruments, including demand, term, notice, fixed-period, and structured deposits, alongside personal large deposit certificates. It further extends wealth management options such as financial advisory services, investment funds, precious metals, life insurance products, and money market funds, in addition to personal foreign exchange solutions. Utility payment conveniences are also offered for water, electricity, digital television, telecommunications, mobile services, and gas. For businesses, the bank facilitates domestic factoring, letters of credit, associated package loans, forfeiting, acceptance bill guarantees, seller financing, and domestic order financing. Its international services encompass global settlement, trade finance, and cross-border Renminbi transactions. The bank also caters to small and micro enterprises with specialized financial offerings, alongside providing credit and debit cards, personal loans, and advanced digital platforms like online and mobile banking, complemented by ATM access. Beyond retail and corporate provisions, the company is active in financial market operations, engaging in bond investments, bill trading, credit asset management, and interbank activities. Established in November 2001 through a restructuring from a rural credit cooperative, Jiangsu Zhangjiagang Rural Commercial Bank became one of the first rural commercial banks to be publicly listed in China. Headquartered in Zhangjiagang, China, the bank maintains an extensive network of branches and outlets, including locations in Nantong, Wuxi, and Suzhou, demonstrating a strategic focus on serving local communities, small and medium-sized enterprises, and broader regional development. Recent developments include strong financial performance in Q3 2025 and continued investment in digital banking solutions to enhance customer experience.