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Jiangsu Wujiang Rural Coml Bk

Jiangsu Wujiang Rural Coml Bk

603323 · SHG · Financial Services / Banks - Regional

4.63CNY+0.07 (+1.54%)

Price History

Full chart

Market Stats

Previous Close4.56
Open4.54
Day Range4.52 – 4.67
52-Week Range3.81 – 5.42
Volume54.07M
Market Cap9.97B
P/E (TTM)4.78
Forward P/E0.00
EPS0.94
Dividend Yield4.49%
Beta0.18
50-Day Avg4.35
200-Day Avg4.41

About

Jiangsu Suzhou Rural Commercial Bank Co., Ltd provides various banking products and services in China. The company provides savings and demand, fixed deposit and withdrawal, lump-sum, flexible, call, and agreement deposits, as well as certificates of deposits; personal consumer, business, mortgage, and other loans; and financial and intermediate services. It also offers corporate finance, such as corporate wealth management, self-operated wealth management; specialty loans; and settlement and SME financing services, as well as debit, credit, and citizen cards. In addition, the company provides international trade finance and settlement, letter of credit, and foreign currency savings and exchange services. Further, it offers digital RMB, personal and corporate online banking, mobile banking, Wechat, and SMS banking services, as well as customer service center and aggregated payment services. The company was formerly known as Jiangsu Wujiang Rural Commercial Bank Co., Ltd. and changed its name to Jiangsu Suzhou Rural Commercial Bank Co., Ltd in March 2019. Jiangsu Suzhou Rural Commercial Bank Co. was founded in 2004 and is headquartered in Suzhou, China.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Liangxian Wang
  • Employees1.94K
  • HeadquartersNo. 1777, Zhongshan South Road, Suzhou, China, 215200, China
  • Websitehttps://www.szrcb.com

Leadership

  • Mr. Liangxian WangPresident & Director · b. 1983
  • Mr. Lijun XiaVP & Director · b. 1976
  • Ms. Yingdong LuBoard Secretary & Executive Director · b. 1986
  • Ms. Ping QiuVice President · b. 1976
  • Jianzhong GuAccounting Supervisor
  • Mr. Zheng Hua NiChief Information Officer · b. 1972
  • Ms. Li LiCompliance Officer · b. 1977

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 Revenue705.00M932.23M1.20B1.47B1.41B1.66B2.52B3.23B3.44B3.66B3.57B3.43B3.99B5.03B5.64B6.02B6.56B7.04B7.63B7.86B4.10B
Growth (%)-+32.23%+29.11%+21.76%-3.69%+17.43%+52.28%+27.99%+6.46%+6.32%-2.35%-3.88%+16.26%+26.12%+12.18%+6.64%+9.02%+7.32%+8.38%+2.97%-47.84%
Cost of Revenue154.49M235.50M305.68M448.25M421.67M438.51M813.47M1.12B1.16B1.23B1.25B1.13B1.26B1.88B2.13B2.28B2.73B3.14B3.69B3.79B-
Gross Profit550.51M696.73M897.91M1.02B989.73M1.22B1.71B2.11B2.28B2.43B2.32B2.31B2.73B3.15B3.52B3.74B3.83B3.91B3.94B4.07B-
Gross Margin78.09%74.74%74.60%69.41%70.12%73.54%67.77%65.19%66.41%66.47%65.03%67.20%68.32%62.58%62.33%62.12%58.42%55.48%51.65%51.76%-
Operating Expense244.43M361.28M333.00M549.81M513.41M535.90M719.21M995.57M1.05B1.45B1.57B1.51B1.86B2.26B2.51B2.66B2.57B2.20B2.03B1.92B-
Operating Income306.08M335.45M564.91M467.48M476.32M682.99M991.24M1.11B1.24B979.71M755.72M798.76M861.98M893.92M1.00B1.08B1.26B1.71B1.91B2.15B-
Operating Margin43.42%35.98%46.94%31.90%33.75%41.21%39.27%34.37%35.93%26.80%21.17%23.28%21.61%17.77%17.79%17.90%19.20%24.30%25.05%27.35%-
EBITDA323.29M352.71M564.91M467.48M476.32M682.99M1.07B1.20B1.33B1.09B857.85M902.47M981.26M1.03B1.14B1.24B1.44B1.91B2.12B2.37B-
EBITDA Margin45.86%37.84%46.94%31.90%33.75%41.21%42.20%37.04%38.72%29.75%24.03%26.30%24.60%20.37%20.22%20.53%21.97%27.13%27.81%30.11%-
Net Income260.24M205.78M334.72M369.50M365.50M542.35M761.50M863.68M964.51M767.74M604.45M650.29M731.12M802.17M913.23M951.46M1.16B1.50B1.74B1.94B2.04B
Net Income Margin36.91%22.07%27.81%25.21%25.90%32.72%30.17%26.74%28.05%21.00%16.93%18.95%18.33%15.94%16.18%15.81%17.68%21.32%22.83%24.75%49.84%
Interest Expense154.49M235.50M305.68M448.25M421.67M438.51M813.47M1.12B1.16B1.23B1.25B1.13B1.26B1.88B2.13B2.28B2.73B3.14B3.69B3.79B3.42B
Interest Expense % of Total Revenue21.91%25.26%25.40%30.59%29.88%26.46%32.23%34.81%33.59%33.53%34.97%32.80%31.68%37.42%37.67%37.88%41.58%44.52%48.35%48.24%83.35%

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 Assets15.63B20.28B21.22B25.91B31.56B40.00B54.00B57.18B62.48B61.95B71.45B81.35B95.27B116.78B125.96B139.44B158.72B180.28B202.56B213.99B230.91B
Total Liabilities14.73B19.19B19.88B24.25B29.58B36.37B49.67B52.36B56.96B55.84B64.79B73.47B86.80B107.26B9.40B9.42B11.65B14.22B186.77B195.93B212.02B
Total Equity898.54M1.09B1.34B1.65B1.92B3.57B4.26B4.74B5.44B6.01B6.56B7.78B8.37B9.41B11.51B12.02B13.15B14.20B15.78B18.04B18.88B
Cash4.23B5.10B1.63B1.89B2.69B2.92B11.38B9.17B8.12B3.99B3.46B5.97B13.99B18.14B18.38B14.29B14.30B15.57B17.40B18.10B21.25B
Total Debt--44.70M400.00M400.00M400.00M400.00M444.18M12.19M21.65M499.30M6.43B5.86B12.77B9.40B9.42B11.65B14.22B26.73B24.01B-
Net Debt-4.23B-5.10B-1.58B-1.49B-2.29B-2.52B-10.98B-8.73B-8.11B-3.97B-2.96B457.33M-8.13B-5.37B-8.98B-4.87B-2.65B-1.34B-17.40B440.10M-

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 Flow1.32B1.99B-2.46B1.85B841.80M2.84B4.48B2.42B39.39M-3.47B5.48B2.54B-776.85M2.65B3.79B7.36B-1.78B6.40B5.89B3.11B7.42B
Investing Cash Flow-469.14M-2.52B1.27B-1.07B-483.38M-1.39B31.14M-1.45B-995.67M-169.26M-5.50B-1.82B-8.99B-5.37B-441.27M-5.59B-2.76B-6.78B-6.38B-1.06B-
Financing Cash Flow-15.00M-21.26M-55.34M348.40M-69.81M1.08B-79.93M-425.81M-608.39M-248.60M371.90M110.51M5.72B6.43B-4.02B-2.09B2.82B835.10M1.03B-2.99B-
Capital Expenditure38.13M71.83M199.13M171.69M138.24M241.40M128.43M181.51M216.16M228.62M120.30M207.42M327.73M245.25M298.10M267.11M227.89M208.84M190.67M178.94M163.75M
Free Cash Flow1.28B1.91B-2.66B1.68B703.56M2.60B4.36B2.24B-176.77M-3.70B5.36B2.33B-1.10B2.41B3.49B7.09B-2.01B6.19B5.70B2.94B7.26B
Dividends Paid15.00M21.26M35.44M51.60M124.61M124.57M84.86M424.96M207.28M247.50M121.71M97.90M65.75M227.66M163.83M287.43M549.41M550.82M529.20M609.55M607.08M
FCF to OCF97.11%96.38%108.11%90.72%83.58%91.50%97.14%92.50%-448.79%106.59%97.80%91.84%142.19%90.75%92.13%96.37%112.81%96.74%96.77%94.25%97.79%
Dividend Paid to FCF1.17%1.11%-1.33%3.07%17.71%4.79%1.95%18.98%-117.26%-6.69%2.27%4.19%-5.95%9.46%4.69%4.05%-27.38%8.89%9.28%20.77%8.36%

Earnings

Report DateApr 28, 2017Aug 24, 2017Oct 25, 2017Jan 15, 2018Apr 26, 2018Aug 29, 2018Oct 30, 2018Apr 26, 2019Apr 23, 2020Aug 27, 2020Oct 28, 2020Apr 28, 2021Aug 19, 2021Oct 29, 2021Apr 27, 2022Aug 17, 2022Oct 16, 2022Apr 27, 2023
EPS Estimate------------------
EPS Actual0.110.170.110.070.120.190.120.130.120.180.150.040.220.170.160.260.210.14
Surprise------------------
TimingPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-market

Key Statistics & Ratios

Market Cap9.97B
Enterprise Value20.42B
Trailing P/E4.78
Forward P/E0.00
Price / Sales2.50
Price / Book0.49
EPS0.94
Book Value8.98
Revenue (TTM)3.98B
Gross Profit (TTM)3.98B
Profit Margin52.17%
Operating Margin76.32%
Return on Equity10.79%
Return on Assets0.90%
Shares Outstanding2.22B
Shares Float1.84B
Beta0.18
Dividend Yield4.49%
Dividend Rate0.20
Payout Ratio21.51%

Dividends

20231×
0.17Jun 28, 2023
20221×
0.16Jun 16, 2022
20211×
0.15Jun 8, 2021
20201×
0.15Jul 2, 2020
20191×
0.10Jun 12, 2019
20181×
0.14Jun 1, 2018
20171×
0.05Jul 4, 2017

Stock Splits

  • Jun 12, 201911:10
  • Jul 4, 201793773:72133