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Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd

002839 · SHE · Financial Services / Banks - Regional

4.51CNY+0.07 (+1.58%)

Price History

Full chart

Market Stats

Previous Close4.44
Open4.42
Day Range4.40 – 4.54
52-Week Range3.87 – 4.77
Volume50.06M
Market Cap10.54B
P/E (TTM)5.53
Forward P/E0.00
EPS0.78
Dividend Yield5.10%
Beta0.14
50-Day Avg4.37
200-Day Avg4.43

About

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd provides banking products and services in China. The company operates through four segments: Corporate Banking Business, Personal Banking Business, Treasury Business, and Other Businesses. The Corporate Banking Business segment provides services, including corporate loans, bill issuance, trade financing, corporate deposits and remittances, etc. to corporate customers. Its Personal Banking Business segment offers banking services, including retail loans, savings deposit business, credit card business, and remittance business to private customers. The Capital Business segment engages in the trading of financial instruments, asset management and trust plan investment, bond investment, repurchase and resale business, inter-bank lending industry Services, etc. Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd founded in 2001 and is based in Zhangjiagang, China.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Kai Wu
  • Employees2.25K
  • HeadquartersNo. 66, Renmin Middle Road, Zhangjiagang, China, 215600, China
  • Websitehttps://www.zrcbank.com

Leadership

  • Mr. Kai WuPresident & Director · b. 1979
  • Mr. Yufeng ZhuVP and GM of the Finance & Accounting Department · b. 1977
  • Mr. Feiyan QiBoard Secretary & Director · b. 1983
  • Ms. Yi TaoVice President · b. 1985
  • Mr. Hui WangVice President · b. 1983
  • Mr. Jinlong ChenVice President · b. 1976
  • Mr. Mingyuan WuVice President · b. 1984
  • Mr. Xiangdong QianAssistant to the President · b. 1973

Financials

Income Statement

Currency: CNY2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue790.60M1.03B1.36B1.63B1.68B2.03B3.43B3.97B3.96B4.02B4.10B4.19B4.26B4.89B6.15B6.78B7.97B8.57B8.69B8.63B4.61B
Growth (%)-+30.36%+32.12%+19.64%+2.94%+20.87%+69.44%+15.52%-0.25%+1.62%+2.02%+2.11%+1.68%+14.87%+25.73%+10.12%+17.60%+7.60%+1.40%-0.78%-46.54%
Cost of Revenue259.22M409.28M565.85M698.68M-716.69M1.63B1.95B1.85B1.75B1.80B1.86B1.94B1.99B2.45B2.68B3.44B3.86B4.30B4.05B-
Gross Profit531.38M621.32M795.79M930.38M1.68B1.31B1.81B2.02B2.11B2.28B2.31B2.33B2.32B2.90B3.71B4.10B4.53B4.71B4.40B4.57B-
Gross Margin67.21%60.29%58.44%57.11%100.00%64.64%52.63%50.96%53.20%56.56%56.25%55.69%54.56%59.27%60.23%60.46%56.82%54.98%50.56%53.04%-
Operating Expense218.79M253.19M239.29M339.38M1.08B481.22M704.58M826.08M898.00M1.46B1.59B1.65B1.58B2.05B2.74B3.09B3.15B2.86B2.47B2.53B-
Operating Income312.60M368.13M556.50M591.00M597.97M829.17M1.10B1.20B1.21B814.07M713.32M688.40M747.75M854.00M965.82M1.00B1.37B1.86B1.93B2.05B-
Operating Margin39.54%35.72%40.87%36.28%35.66%40.90%32.12%30.14%30.51%20.24%17.38%16.43%17.55%17.45%15.70%14.81%17.23%21.64%22.19%23.76%-
EBITDA312.60M368.13M556.50M591.00M597.97M829.17M1.10B1.20B1.27B889.79M804.52M767.79M822.78M941.58M1.05B1.11B1.53B2.06B2.13B2.24B-
EBITDA Margin39.54%35.72%40.87%36.28%35.66%40.90%32.12%30.14%32.20%22.12%19.61%18.32%19.31%19.24%17.01%16.36%19.20%24.03%24.55%25.95%-
Net Income307.50M312.28M467.91M501.26M518.98M679.68M908.88M978.01M1.00B731.00M673.01M689.47M763.10M835.12M954.16M1.00B1.30B1.68B1.79B1.88B1.98B
Net Income Margin38.89%30.30%34.36%30.77%30.95%33.53%26.46%24.65%25.33%18.17%16.40%16.46%17.91%17.07%15.51%14.77%16.36%19.62%20.56%21.78%42.92%
Interest Expense259.22M409.28M565.85M698.68M-716.69M1.63B1.95B1.85B1.75B1.80B1.86B1.94B1.99B2.45B2.68B3.44B3.86B4.30B4.05B3.51B
Interest Expense % of Total Revenue32.79%39.71%41.56%42.89%-35.36%47.37%49.04%46.80%43.44%43.75%44.31%45.44%40.73%39.77%39.54%43.18%45.02%49.44%46.96%76.05%

Balance Sheet

Currency: CNY2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets14.11B17.17B24.54B26.82B32.50B52.69B70.25B71.53B72.57B71.97B82.35B90.18B103.13B113.60B123.04B143.89B164.58B187.53B207.13B218.91B227.24B
Total Liabilities13.29B16.08B22.09B23.95B29.25B48.93B65.72B66.46B66.98B65.52B75.21B82.73B94.74B103.54B112.31B132.58B150.01B171.81B189.92B199.01B206.53B
Total Equity822.03M1.09B2.46B2.83B3.21B3.71B4.46B4.98B5.47B6.34B7.03B7.33B8.28B9.97B10.67B11.21B14.42B15.56B17.04B19.72B20.53B
Cash3.14B2.48B6.01B6.26B6.74B11.42B23.49B22.05B23.22B17.61B13.87B13.12B12.22B12.40B13.05B11.87B11.23B13.33B13.02B13.54B12.57B
Total Debt--------65.25M373.00M2.08B1.02B3.08B6.95B7.16B7.28B9.21B11.52B11.47B8.01B-
Net Debt-3.14B-2.48B-6.01B-6.26B-6.74B-11.42B-23.49B-22.05B-23.15B-17.24B-11.79B-12.10B-9.14B-5.46B-5.89B-4.59B-2.01B-1.81B-1.55B-5.53B-

Cash Flow

Currency: CNY2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.33B967.82M3.85B171.66M608.89M13.23B5.59B2.40B-5.42B-3.48B7.90B6.27B5.51B-3.80B-3.78B7.62B158.22M7.63B1.80B-419.78M-3.24B
Investing Cash Flow-1.22B-2.01B-1.68B-616.79M-20.65M-3.69B-1.01B-2.06B1.57B-2.58B-10.31B-7.01B-7.64B-744.94M3.83B-5.36B-6.49B-4.90B-4.99B2.61B-
Financing Cash Flow-64.44M-42.96M888.73M-126.80M-162.68M-162.68M-162.68M-288.00M-545.99M-3.95M1.78B-1.36B2.76B2.09B132.60M-1.51B5.34B-1.06B3.58B-2.53B-
Capital Expenditure44.51M67.25M138.68M50.38M42.43M55.71M91.25M65.61M71.93M171.51M258.46M175.45M191.71M174.01M269.88M378.46M293.32M275.21M115.95M79.37M67.66M
Free Cash Flow1.29B900.56M3.71B121.28M566.45M13.17B5.50B2.34B-5.49B-3.65B7.64B6.09B5.31B-3.97B-4.05B7.24B-135.10M7.36B1.68B-499.15M-3.31B
Dividends Paid64.44M42.96M38.66M135.56M162.68M162.68M162.68M296.90M538.36M3.95M214.33M199.45M188.40M181.68M281.40M390.11M501.88M677.28M822.78M886.45M1.02B
FCF to OCF96.66%93.05%96.40%70.65%93.03%99.58%98.37%97.27%101.33%104.93%96.73%97.20%96.52%104.58%107.15%95.03%-85.39%96.39%93.54%118.91%102.09%
Dividend Paid to FCF5.00%4.77%1.04%111.78%28.72%1.24%2.96%12.70%-9.80%-0.11%2.80%3.27%3.55%-4.58%-6.96%5.39%-371.49%9.20%48.99%-177.59%-30.96%

Earnings

Report DateApr 27, 2017Aug 22, 2017Oct 26, 2017Jan 18, 2018Apr 24, 2018Aug 15, 2018Oct 29, 2018Apr 27, 2019Oct 22, 2019Apr 27, 2020Aug 24, 2020Oct 26, 2020Apr 29, 2021Jul 14, 2021Oct 25, 2021Jan 14, 2022Apr 21, 2022Jul 11, 2022Oct 28, 2022Apr 28, 2023Apr 29, 2025Aug 28, 2025Oct 31, 2025May 1, 2026Aug 28, 2026
EPS Estimate-------------------------
EPS Actual0.110.080.110.110.130.100.130.100.120.110.070.110.110.150.240.100.170.150.190.200.230.180.240.240.18
Surprise-------------------------
TimingAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market----

Key Statistics & Ratios

Market Cap10.54B
Enterprise Value16.45B
Trailing P/E5.53
Forward P/E0.00
Price / Sales2.65
Price / Book0.54
EPS0.78
Book Value7.87
Revenue (TTM)3.98B
Gross Profit (TTM)3.98B
Profit Margin50.42%
Operating Margin59.76%
Return on Equity10.14%
Return on Assets0.87%
Shares Outstanding2.44B
Shares Float1.73B
Beta0.14
Dividend Yield5.10%
Dividend Rate0.22
Payout Ratio33.63%

Dividends

20261×
0.12May 21, 2026
20252×
0.10Oct 15, 20250.20May 16, 2025
20241×
0.20Jun 6, 2024
20231×
0.20Jun 1, 2023
20221×
0.16May 5, 2022
20211×
0.13Jul 8, 2021
20201×
0.13Jun 30, 2020
20191×
0.13Jun 12, 2019
20181×
0.08May 18, 2018
20171×
0.08Jun 23, 2017

Stock Splits

  • May 5, 20221.2:1