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Jiangsu Changshu Rural Commercial Bank Co Ltd

Jiangsu Changshu Rural Commercial Bank Co Ltd

601128 · SHG · Financial Services / Banks - Regional

6.39CNY-0.02 (-0.31%)

Price History

Full chart

Market Stats

Previous Close6.41
Open6.28
Day Range6.22 – 6.43
52-Week Range5.76 – 7.54
Volume84.58M
Market Cap22.84B
P/E (TTM)6.45
Forward P/E0.00
EPS0.97
Dividend Yield4.10%
Beta-0.02
50-Day Avg6.27
200-Day Avg6.40

About

Jiangsu Changshu Rural Commercial Bank Co., Ltd. provides rural financial services to individual and corporate clients in China. The company offers personal savings, such as current and regular savings, personal notice deposits, and certificates of deposit; debit and credit cards; payment, financial management/funds, private banking, insurance, and third-party custody services; points mall; gold and silver; and microfinance products. It also provides business, housing mortgage, home equity, consumer, salary, agricultural construction, rural, grain, and agricultural loans; corporate finance; cash management, settlement, agency, bill, and financing services; and foreign exchange trading, international settlement, and international trade finance services. In addition, the company offers investment banking; financial markets services including money markets, bonds, derivatives, foreign exchange market, and wealth management business; personal purchase and settlement of foreign exchange; loan financing and pledges; electronic, mobile, online, telephone, and self-service banking services; and online payment, POS, and SMS services. Further, it provides corporate loans, bill issuance, corporate deposits, and remittances; retail loans; and trading financial instruments, bond investments, bond repurchase and resale, and interbank lending services. Jiangsu Changshu Rural Commercial Bank Co., Ltd. was founded in 2001 and is headquartered in Changshu City, China.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Dingchang Lu
  • Employees7.40K
  • HeadquartersNo. 58 Xinshiji Dadao, Changshu, China, 215500, China
  • Websitehttps://www.csrcbank.com

Leadership

  • Mr. Dingchang LuPresident, Chief Compliance Officer & Director · b. 1986
  • Mr. Zhifeng TangSecretary of the Board & Director · b. 1977
  • Mr. Jiong MengAssistant Governor · b. 1971
  • Ms. Qing GanVice President · b. 1982
  • Li Bin FanAccounting Supervisor

Financials

Income Statement

Currency: CNY2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue950.39M1.28B1.77B1.65B2.12B3.36B4.10B4.28B5.19B5.97B6.87B7.98B9.31B10.06B10.66B12.36B14.33B16.33B17.95B11.50B
Growth (%)-+34.88%+37.99%-6.85%+28.73%+58.27%+22.09%+4.37%+21.43%+14.98%+14.99%+16.20%+16.61%+8.14%+5.94%+15.95%+15.92%+13.92%+9.98%-35.94%
Cost of Revenue394.54M583.41M826.62M672.35M728.37M1.38B1.78B1.94B2.16B2.51B2.43B3.04B3.53B3.67B4.13B4.79B5.62B6.57B7.15B-
Gross Profit555.85M698.50M942.25M975.34M1.39B1.98B2.32B2.34B3.04B3.46B4.44B4.94B5.78B6.40B6.53B7.57B8.71B9.76B10.80B-
Gross Margin58.49%54.49%53.27%59.19%65.66%58.99%56.61%54.69%58.49%57.94%64.65%61.96%62.12%63.54%61.25%61.23%60.77%59.77%60.17%-
Operating Expense122.91M288.43M437.41M410.01M705.49M1.02B1.22B1.14B1.74B2.24B3.13B3.28B3.80B4.12B4.30B4.87B5.35B5.71B5.96B-
Operating Income432.94M410.07M504.84M565.33M687.14M962.11M1.10B1.20B1.30B1.22B1.31B1.67B1.98B2.27B2.23B2.70B3.36B4.05B4.85B-
Operating Margin45.55%31.99%28.54%34.31%32.40%28.66%26.85%28.03%25.05%20.41%19.10%20.90%21.24%22.59%20.90%21.81%23.47%24.79%26.99%-
EBITDA432.94M410.07M504.84M565.33M687.14M1.01B1.15B1.26B1.38B1.31B1.42B1.79B2.11B2.41B2.38B2.93B3.65B4.36B5.20B-
EBITDA Margin45.55%31.99%28.54%34.31%32.40%30.08%28.14%29.51%26.49%22.02%20.69%22.39%22.68%23.94%22.28%23.74%25.50%26.73%28.96%-
Net Income364.27M348.03M446.35M480.82M566.11M789.50M872.67M981.18M998.78M966.00M1.04B1.26B1.49B1.79B1.80B2.19B2.74B3.28B3.81B4.22B
Net Income Margin38.33%27.15%25.23%29.18%26.69%23.52%21.29%22.94%19.23%16.17%15.15%15.84%15.97%17.74%16.91%17.70%19.15%20.10%21.24%36.69%
Interest Expense394.54M583.41M826.62M672.35M728.37M1.38B1.78B1.94B2.16B2.51B2.43B3.04B3.53B3.67B4.13B4.79B5.62B6.57B7.15B6.61B
Interest Expense % of Total Revenue41.51%45.51%46.73%40.81%34.34%41.01%43.39%45.31%41.51%42.06%35.35%38.04%37.88%36.46%38.75%38.77%39.23%40.23%39.83%57.50%

Balance Sheet

Currency: CNY2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets26.58B30.19B35.70B40.37B52.09B71.65B74.15B84.41B101.67B108.50B129.98B145.82B166.70B184.84B208.69B246.58B287.88B334.46B366.58B403.08B
Total Liabilities25.41B28.32B33.37B37.78B47.98B66.76B68.42B78.36B94.30B100.08B119.55B134.72B153.17B166.94B189.92B225.45B263.77B307.33B335.91B369.62B
Total Equity1.17B1.86B2.30B2.56B4.02B4.80B5.63B5.85B7.12B8.08B9.85B10.47B12.84B16.93B17.96B19.79B22.58B25.36B28.65B31.38B
Cash1.36B904.61M1.60B2.53B3.31B24.29B5.84B3.98B5.67B4.06B6.68B17.92B19.09B20.39B18.60B23.83B23.17B25.25B31.61B38.98B
Total Debt-7.30M418.03M------3.45B7.27B20.49B24.15B12.93B24.96B34.90B21.72B44.29B37.39B-
Net Debt-1.36B-897.30M-1.18B-2.53B-3.31B-24.29B-5.84B-3.98B-5.67B-610.92M587.19M2.56B5.06B-7.46B-7.04B-5.67B-1.45B19.04B-8.72B-

Cash Flow

Currency: CNY2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.83B37.04M1.98B1.13B3.95B9.40B-1.39B-258.45M13.27B-3.31B6.84B-6.70B1.45B11.07B4.12B-1.69B13.15B16.37B18.16B18.36B
Investing Cash Flow-3.53B-311.46M-1.33B1.12B-754.83M-3.10B-854.05M-6.56B-7.55B-5.69B-8.77B-7.55B-5.56B2.09B-2.14B1.56B-12.15B-12.24B-7.93B-
Financing Cash Flow-38.38M384.78M-55.12M-136.71M966.59M-128.50M1.00K-284.52M-148.55M2.87B4.94B12.22B3.17B-11.31B-2.24B4.07B-590.17M-3.57B-5.56B-
Capital Expenditure14.97M172.71M84.88M209.99M127.13M123.55M99.47M131.03M289.01M267.37M500.55M106.54M90.30M246.24M457.28M398.89M571.37M514.61M334.28M435.38M
Free Cash Flow3.82B-135.67M1.90B919.12M3.82B9.27B-1.49B-389.48M12.98B-3.58B6.34B-6.80B1.36B10.82B3.66B-2.09B12.58B15.85B17.82B17.93B
Dividends Paid38.38M124.57K115.12M136.71M172.68M126.67M-380.03M190.01M182.41M443.61M443.61M493.61M595.25M864.74M905.11M925.38M772.09M759.95M1.29B
FCF to OCF99.61%-366.26%95.72%81.40%96.78%98.69%107.15%150.70%97.82%108.07%92.68%101.59%93.75%97.77%88.90%123.64%95.66%96.86%98.16%97.63%
Dividend Paid to FCF1.01%-0.09%6.06%14.87%4.52%1.37%--97.57%1.46%-5.10%7.00%-6.52%36.43%5.50%23.61%-43.38%7.35%4.87%4.26%7.21%

Earnings

Report DateOct 27, 2016Jan 10, 2017Apr 28, 2017Aug 10, 2017Oct 27, 2017Jan 4, 2018Apr 27, 2018Aug 23, 2018Oct 22, 2018Apr 25, 2019Oct 25, 2019Jan 10, 2020Apr 22, 2020Aug 21, 2020Oct 27, 2020Apr 29, 2021Aug 16, 2021Oct 20, 2021Jan 11, 2022Apr 22, 2022Jul 26, 2022Oct 13, 2022
EPS Estimate----------------------
EPS Actual0.110.120.140.110.150.170.160.120.150.170.190.150.190.130.190.190.190.250.190.260.200.32
Surprise----------------------
TimingAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap22.84B
Enterprise Value41.96B
Trailing P/E6.45
Forward P/E0.00
Price / Sales2.40
Price / Book0.67
EPS0.97
Book Value9.20
Revenue (TTM)9.50B
Gross Profit (TTM)9.50B
Profit Margin46.64%
Operating Margin49.64%
Return on Equity13.80%
Return on Assets1.13%
Shares Outstanding3.65B
Shares Float3.18B
Beta-0.02
Dividend Yield4.10%
Dividend Rate0.26
Payout Ratio26.48%

Dividends

20231×
0.25Jun 5, 2023
20221×
0.20Jun 8, 2022
20211×
0.20May 26, 2021
20201×
0.20Jul 14, 2020
20191×
0.18Jun 5, 2019
20181×
0.18May 18, 2018
20171×
0.18May 23, 2017