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Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839) Report Analysis

Corporate Events

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-04-26 19:34:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. declared Cash dividend/10 shares A (tax included): CNY 1.60000000. Record date: 29 April 2...

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-04-21 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at the annual general meeting held on 20 April 2022 approved profit distribution of cash d...

Negative

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-04-21 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at the annual general meeting held on 20 April 2022 elected Ji Zhongming and Wang Yidong a...

Neutral

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-04-21 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at the annual general meeting held on 20 April 2022 approved amendments to Company's artic...

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-03-29 19:37:00

On 29 March 2022 Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. announced the profit distribution proposal for 2021 as Cash dividend of C...

Neutral

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-03-29 19:37:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, Annual General Meeting, Apr 20, 2022, at 14:30 China Standard Time. Agenda: To consider 2...

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-03-29 00:00:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, 1.2000048 : 1, Stock Split or Significant Stock Dividend, May-05-2022

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-03-29 00:00:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, 0.16 (CNY), Cash Dividend, May-05-2022

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2022-02-11 00:00:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (SZSE:002839) agreed to acquire 6.05% stake in Jiangsu Taicang Rural Commercial Bank Co.,L...

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2021-07-02 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. announced cash dividend of CNY 1.6 per ten A shares for 2020, payable on 08 July 2021. The...

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2021-06-28 19:37:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. in its Annual General Meeting of 2020 held on 25 June 2021, approved 2020 profit distribut...

Negative

Jiangsu Zhangjiagang Rural Commercial Bank Co.,...

2021-06-28 19:37:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at its Annual General Meeting of 2020 held on 25 June 2021, approved election of Lu Jiangs...

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd Declares Cash Dividend A Share for 2021, Payable on May 5, 2022

2022-04-26 19:34:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. declared Cash dividend/10 shares A (tax included): CNY 1.60000000. Record date: 29 April 2022, Ex-date: 05 May 2022 and Payment date: 05 May 2022.

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd Approves Profit Distribution

2022-04-21 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at the annual general meeting held on 20 April 2022 approved profit distribution of cash dividend/10 shares (tax included): CNY 1.60000000.

Negative

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd Announces Management Changes

2022-04-21 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at the annual general meeting held on 20 April 2022 elected Ji Zhongming and Wang Yidong as directors.

Neutral

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd Approves Amendments to Articles of Association

2022-04-21 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at the annual general meeting held on 20 April 2022 approved amendments to Company's articles of association.

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. Announces the Profit Distribution Proposal for 2021

2022-03-29 19:37:00

On 29 March 2022 Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. announced the profit distribution proposal for 2021 as Cash dividend of CNY 1.60000000 per 10 shares (tax included).

Neutral

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, Annual General Meeting, Apr 20, 2022

2022-03-29 19:37:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, Annual General Meeting, Apr 20, 2022, at 14:30 China Standard Time. Agenda: To consider 2021 work report of the board of directors; to consider 2021 work report of the supervisory committee; to consider 2021 annual report and its summary; to consider 2021 annual accounts and 2022 financial budget plan; to consider 2021 profit distribution plan; to consider 2021 evaluation report of the board of directors on performance of directors and senior management; to consider 2021 evaluation report of the supervisory committee on the performance of supervisors; and to consider other matters.

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, 1.2000048 : 1, Stock Split or Significant Stock Dividend, May-05-2022

2022-03-29 00:00:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, 1.2000048 : 1, Stock Split or Significant Stock Dividend, May-05-2022

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, 0.16 (CNY), Cash Dividend, May-05-2022

2022-03-29 00:00:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd, 0.16 (CNY), Cash Dividend, May-05-2022

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (SZSE:002839) completed the acquisition of 6.05% stake in Jiangsu Taicang Rural Commercial Bank Co.,Ltd.

2022-02-11 00:00:00

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (SZSE:002839) agreed to acquire 6.05% stake in Jiangsu Taicang Rural Commercial Bank Co.,Ltd. for CNY 280 million on October 22, 2021. As per the transaction, Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd will acquire 66,000,800 shares of Jiangsu Taicang Rural Commercial Bank Co.,Ltd. The transaction is approved by China Banking and Insurance Regulatory Commission. Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (SZSE:002839) completed the acquisition of 6.05% stake in Jiangsu Taicang Rural Commercial Bank Co.,Ltd. on October 22, 2021.

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd Announces Cash Dividend for 2020, Payable on 08 July 2021

2021-07-02 19:32:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. announced cash dividend of CNY 1.6 per ten A shares for 2020, payable on 08 July 2021. The record date is 07 July 2021 and the ex-date is 08 July 2021.

Positive

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd Approves Profit Distribution Plan for 2020

2021-06-28 19:37:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. in its Annual General Meeting of 2020 held on 25 June 2021, approved 2020 profit distribution plan with cash dividend (tax included) of CNY 1.60000000 per 10 shares.

Negative

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd Approves Election of Directors

2021-06-28 19:37:00

Jiangsu Zhangjiagang Rural Commercial Bank Co. Ltd. at its Annual General Meeting of 2020 held on 25 June 2021, approved election of Lu Jiangshan and Guo Weidong as directors.

Fundamental Summary

At a high level, the metrics from Jiangsu Zhangjiagang Rural Commercial's Q1 financial report release provided many positive indicators. Specifically, their growth and value factors indicate a well-planned and balanced effort, which is generating exciting growth. We expect that this positive performance will continue in the coming months, and anticipate that Jiangsu Zhangjiagang Rural Commercial will maintain good momentum even in a challenging environment. We therefore gave Jiangsu Zhangjiagang Rural Commercial a total score of 76 out of 100 and a HOLD recommendation.

Jiangsu Zhangjiagang Rural Commercial reported earnings results for the first quarter ended March 31, 2022. For the first quarter, the company reported net interest income was CNY 933.54 million compared to CNY 883.56 million a year ago. Net income was CNY 433.35 million compared to CNY 334.02 million a year ago. Basic earnings per share from continuing operations was CNY 0.2 compared to CNY 0.15 a year ago. Diluted earnings per share from continuing operations was CNY 0.1667 compared to CNY 0.1333 a year ago.

Business Description

Jiangsu Zhangjiagang Rural Commercial provides banking products and services in China. It offers deposit products, such as demand, time, notice, and fixed-life, agreement, and smart notification deposits; personal large deposit certificates; wealth management services, including financial management, investment funds, gold fixed investments, life insurance products, and monetary funds; and personal foreign exchange services, as well as collection and payment of water fees, electricity bills, digital TV viewing fees, telecommunication and intercom charges, mobile payment, and gas payment. The company also provides domestic factoring, domestic letter of credit, domestic letter of credit package loans and forfeiting , domestic acceptance bill guarantees, sellers financing, and domestic order financing; international settlement and trade finance; small and micro products; credit and debit cards; personal loans; online and mobile banking; and ATM’s. In addition, it engages in bonds, bills, credit asset, and interbank business. Jiangsu Zhangjiagang Rural Commercial founded in 2001 and is based in Zhangjiagang, China.

Sector Overview

Jiangsu Zhangjiagang Rural Commercial is included in the Banks according to GICS (global industry classification standard). The Banks industry, which is in the Financials sector, includes Diversified & Regional Banks whose operations focus on conventional banking, retail banking, and lending to SMEs (small and medium enterprises). Jiangsu Zhangjiagang Rural Commercial's industry and sector affiliation are expected to negatively affect their likelihood to overperform the market in the upcoming period, as other sectors appear more likely to benefit from the macroeconomic environment we see now.

Fundamental Highlights


Parameter Value Change Score
Assets 175,261.6 6.5% 53
Liabilities 160,228.3 6.8% 84
Price to Book 0.7 0.1% 79
Cash & Equivalents 2,901.6 -4.0% 65
Equity 14,878.0 3.2% 55
Total Revenues 2,821.7 1.0% 64
Parameter Value Change Score
Return on Equity 10.7 3.8% 79
Net Cashflow -340.9 67.0% 39
Capital Expenditure -275.8 6.0% 84
Free Cashflow -0.4 -614.9% 98

* All values are TTM

The below chart reflects Jiangsu Zhangjiagang Rural Commercial's birds-eye view on its performance with respect to its peers, the company's fillings as reported or to a similar industry, market cap, and country of origin. While Jiangsu Zhangjiagang Rural Commercial's peer average final assessment score stands on 68.0, Jiangsu Zhangjiagang Rural Commercial's score is 76.

  •  002839
  •  Peers average
Name Market Cap Balance Sheet Income Statement Cash Flow Rating Final Assessment mc_sort Hidden
Ping An Bank Co., Ltd. 281.2B 83 72 85
Strong Buy
87
87 0 1
Bank of Ningbo Co., Ltd. 225.7B 89 70 71
Buy
86
86 1 1
Bank of Suzhou Co., Ltd. 22.1B 92 60 61
Buy
80
80 2 1
Qingdao Rural Commercial Bank Co., Ltd. 18.4B 74 61 81
Hold
73
73 3 1
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. 9.3B 77 70 53
Hold
72
72 4 1
China Merchants Bank Co., Ltd. 1.1T 77 63 68
Hold
73
73 5 1
Industrial Bank Co., Ltd. 402.2B 85 67 66
Buy
80
80 6 1
Shanghai Pudong Development Bank Co., Ltd. 233.9B 72 61 68
Hold
68
68 7 1
China Everbright Bank Company Limited 160.4B 76 63 56
Hold
70
70 8 1
China Minsheng Banking Corp., Ltd. 150.8B 81 62 79
Hold
78
78 9 1
Bank of Nanjing Co., Ltd. 111.2B 82 66 54
Hold
74
74 10 1
Bank of Jiangsu Co., Ltd. 100.3B 83 71 84
Buy
86
86 11 1
Bank of Beijing Co., Ltd. 95.8B 84 59 75
Hold
77
77 12 1
Bank of Shanghai Co., Ltd. 92.8B 90 64 81
Buy
85
85 13 1
Bank of Hangzhou Co., Ltd. 85.0B 81 70 69
Buy
80
80 14 1
Hua Xia Bank Co., Limited 79.1B 81 63 75
Hold
77
77 15 1
Bank of Chengdu Co., Ltd. 61.3B 86 68 58
Buy
79
79 16 1
Bank of Changsha Co., Ltd. 31.4B 79 62 60
Hold
72
72 17 1
QILU BANK CO., LTD. 22.4B 93 69 80
Strong Buy
91
91 18 1
Bank of Guiyang Co.,Ltd. 21.2B 80 62 75
Hold
77
77 19 1
Jiangsu Changshu Rural Commercial Bank Co., Ltd. 20.6B 82 71 80
Buy
84
84 20 1
Bank of Xi'an Co.,Ltd. 16.2B 80 56 51
Hold
70
70 21 1
Xiamen Bank Co., Ltd. 15.6B 83 62 82
Buy
80
80 22 1
Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd 12.2B 83 70 69
Buy
81
81 23 1
Jiangsu Zijin Rural Commercial Bank Co.,Ltd 10.5B 77 60 53
Hold
70
70 24 1
Wuxi Rural Commercial Bank Co.,Ltd 10.3B 73 64 79
Hold
73
73 25 1
Jiangsu Suzhou Rural Commercial Bank Co., Ltd 9.0B 74 73 70
Hold
76
76 26 1

Technical Analysis

When trying to optimize the timing of an investment, it's critical to analyze whether the stock looks overbought or oversold, and in which direction the momentum is moving. Jiangsu Zhangjiagang Rural Commercial's stock is now priced above its 5-day and 50-day, but below its 200-day moving average, while its MACD (moving average convergence divergence) indicates that the stock's price movement momentum is strengthening. Historically, this is a positive setup in both the short and medium-term. Meanwhile, looking at the Stochastic Oscillator and RSI (relative strength index), Jiangsu Zhangjiagang Rural Commercial's stock indicates that it's likely oversold. Overall, these technical indicators signal positive upward momentum. Therefore, this stock received a cumulative TA (technical analysis) score of 73.

Bullish 73
Close Price 5.27
52W Low 4.72
52W High 6.27
5D MA 5.12
50D MA 5.1
200D MA 5.45
MACD 0.04
RSI 0.74
STOCH 78.12

Balance Sheet Analysis

Jiangsu Zhangjiagang Rural Commercial appears likely to maintain its strong balance sheet metrics and momentum going forward. In terms of liabilities, Jiangsu Zhangjiagang Rural Commercial published good numbers. Their reported liabilities were 160228.3, representing a 6.8% change from the previous report. These liabilities changes appear balanced compared to their peers and project the message that management is capable and focused on balancing asset growth, resource allocation, and growing liabilities. The company's liabilities movement component, therefore, received a grade of 84. Also, Jiangsu Zhangjiagang Rural Commercial publishes solid book value factor metrics in this report. Price to book ratio (P/B) now sits at 0.7 and represents a 0.1% change from the previous report. The company's book value factor metrics are even more remarkable when compared to their peers. The company's book value factors component, therefore, received a grade of 79. However, one discouraging result, Assets, stood out. Jiangsu Zhangjiagang Rural Commercial's management did not succeed in significantly improving the value of the assets on their balance sheet, which now sits at 175261.6 and represents a 6.5% change from the previous report. The lack of good news about assets momentum should be a cause for concern and is often met with downward pressure on the company's stock price. Consequently, their asset movement received a grade of 53. Therefore, we scored its balance sheet a 77.

Parameter Value Change Score
Assets 175,261.6 6.5% 53
Liabilities 160,228.3 6.8% 84
Price to Book 0.7 0.1% 79
Cash & Equivalents 2,901.6 -4.0% 65
Equity 14,878.0 3.2% 55
* All values are TTM

The below chart describes Jiangsu Zhangjiagang Rural Commercial's performance as reflected on its balance sheet with respect to its peers. While Jiangsu Zhangjiagang Rural Commercial received a balance sheet score of 77, the average of its peers stands on 71.0.

  •  002839
  •  Peers average
Name Market Cap Liabilities Movement Asset Change Equity/Intangibles Adjustments Cash & Equivalents Book Value Momentum Balance Sheet mc_sort Hidden
Ping An Bank Co., Ltd. 281.2B 79 78 69 88 79 83 0 1
Bank of Ningbo Co., Ltd. 225.7B 86 51 68 97 84 89 1 1
Bank of Suzhou Co., Ltd. 22.1B 91 82 54 97 89 92 2 1
Qingdao Rural Commercial Bank Co., Ltd. 18.4B 66 68 55 72 77 74 3 1
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. 9.3B 76 66 69 76 74 77 4 1
China Merchants Bank Co., Ltd. 1.1T 72 81 68 37 84 77 5 1
Industrial Bank Co., Ltd. 402.2B 74 80 68 90 82 85 6 1
Shanghai Pudong Development Bank Co., Ltd. 233.9B 74 70 55 51 76 72 7 1
China Everbright Bank Company Limited 160.4B 89 44 69 54 76 76 8 1
China Minsheng Banking Corp., Ltd. 150.8B 80 45 69 90 77 81 9 1
Bank of Nanjing Co., Ltd. 111.2B 81 51 51 89 82 82 10 1
Bank of Jiangsu Co., Ltd. 100.3B 87 85 55 92 78 83 11 1
Bank of Beijing Co., Ltd. 95.8B 64 63 68 67 90 84 12 1
Bank of Shanghai Co., Ltd. 92.8B 83 62 54 90 90 90 13 1
Bank of Hangzhou Co., Ltd. 85.0B 82 63 54 87 79 81 14 1
Hua Xia Bank Co., Limited 79.1B 79 49 69 89 76 81 15 1
Bank of Chengdu Co., Ltd. 61.3B 83 76 68 82 83 86 16 1
Bank of Changsha Co., Ltd. 31.4B 74 63 69 72 79 79 17 1
QILU BANK CO., LTD. 22.4B 80 59 95 77 89 93 18 1
Bank of Guiyang Co.,Ltd. 21.2B 74 61 69 77 80 80 19 1
Jiangsu Changshu Rural Commercial Bank Co., Ltd. 20.6B 85 81 69 60 81 82 20 1
Bank of Xi'an Co.,Ltd. 16.2B 81 55 67 97 75 80 21 1
Xiamen Bank Co., Ltd. 15.6B 86 66 69 84 78 83 22 1
Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd 12.2B 83 72 69 81 79 83 23 1
Jiangsu Zijin Rural Commercial Bank Co.,Ltd 10.5B 41 80 56 95 80 77 24 1
Wuxi Rural Commercial Bank Co.,Ltd 10.3B 66 72 55 62 78 73 25 1
Jiangsu Suzhou Rural Commercial Bank Co., Ltd 9.0B 78 77 55 60 75 74 26 1

Income Statement Analysis

Jiangsu Zhangjiagang Rural Commercial appears likely to maintain its strong income statement metrics, especially Return Factors. Jiangsu Zhangjiagang Rural Commercial's reported return on equity (ROE) ratio was 10.7, representing a change of 3.8%. Its return factor metrics are even more remarkable when compared to their peers. Consequently, their return factors received a grade of 79. That said, one metric, Revenue Efficiency, stood out as strongly negative. Jiangsu Zhangjiagang Rural Commercial reported discouraging numbers for its revenue efficiency. As of the current filing, they were reported as 2821.7 and represented 1.0% change from the previous period. This metric might have a 2.3 percent impact on companies in the same industry and with the same market capitalization. Their revenue efficiency, specifically in contrast to their industry peers', isn't encouraging. Its revenue efficiency, therefore, received a grade of 64. their income statement received an overall score of 71.

Parameter Value Change Score
Total Revenues 2,821.7 1.0% 64
Return on Equity 10.7 3.8% 79
* All values are TTM

The below chart describes Jiangsu Zhangjiagang Rural Commercial's performance as reflected on its income statement with respect to its peers. While Jiangsu Zhangjiagang Rural Commercial received a income statement score of 71 , the average of its peers stands on 68.0.

  •  002839
  •  Peers average
Name Market Cap Revenue Momentum Earning Movement Return Factors Momentum Income Statement mc_sort Hidden
Ping An Bank Co., Ltd. 281.2B 53 68 81 72 0 1
Bank of Ningbo Co., Ltd. 225.7B 55 68 76 70 1 1
Bank of Suzhou Co., Ltd. 22.1B 53 66 58 60 2 1
Qingdao Rural Commercial Bank Co., Ltd. 18.4B 62 67 57 61 3 1
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. 9.3B 51 68 77 70 4 1
China Merchants Bank Co., Ltd. 1.1T 58 68 61 63 5 1
Industrial Bank Co., Ltd. 402.2B 48 67 73 67 6 1
Shanghai Pudong Development Bank Co., Ltd. 233.9B 80 67 54 61 7 1
China Everbright Bank Company Limited 160.4B 69 67 61 63 8 1
China Minsheng Banking Corp., Ltd. 150.8B 85 67 55 62 9 1
Bank of Nanjing Co., Ltd. 111.2B 48 65 74 66 10 1
Bank of Jiangsu Co., Ltd. 100.3B 48 69 80 71 11 1
Bank of Beijing Co., Ltd. 95.8B 63 68 50 59 12 1
Bank of Shanghai Co., Ltd. 92.8B 66 67 61 64 13 1
Bank of Hangzhou Co., Ltd. 85.0B 48 66 82 70 14 1
Hua Xia Bank Co., Limited 79.1B 61 67 61 63 15 1
Bank of Chengdu Co., Ltd. 61.3B 44 68 75 68 16 1
Bank of Changsha Co., Ltd. 31.4B 57 68 58 62 17 1
QILU BANK CO., LTD. 22.4B 50 68 76 69 18 1
Bank of Guiyang Co.,Ltd. 21.2B 69 67 58 62 19 1
Jiangsu Changshu Rural Commercial Bank Co., Ltd. 20.6B 52 71 77 71 20 1
Bank of Xi'an Co.,Ltd. 16.2B 47 64 58 56 21 1
Xiamen Bank Co., Ltd. 15.6B 48 68 59 62 22 1
Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd 12.2B 66 68 76 70 23 1
Jiangsu Zijin Rural Commercial Bank Co.,Ltd 10.5B 81 71 55 60 24 1
Wuxi Rural Commercial Bank Co.,Ltd 10.3B 54 69 61 64 25 1
Jiangsu Suzhou Rural Commercial Bank Co., Ltd 9.0B 84 69 77 73 26 1

Cash Flow Analysis

Two metrics jump up as the most significant positive drivers of the cash flow's strength in Jiangsu Zhangjiagang Rural Commercial's recent report: Free Cash flow and Capex. Jiangsu Zhangjiagang Rural Commercial did a great job related to free cash flow this period, which stood at -0.4, representing a -614.9% change from the previous filing. This parameter coud affect companies in the same industry and market capitalization by up to 9.3%. Their free cash flow situation is all the more impressive relative to their peers and competitors. Consequently, their free cash flow movement received a grade of 98. Also, Jiangsu Zhangjiagang Rural Commercial's management did a great job this period managing its capital expenditure (CapEx). In terms of the raw numbers, CapEx was reported as -275.8, which represents a 6.0% change from the last period. This remarkable CapEx growth is expected to reinforce upward momentum for its's stock price going forward. Consequently, their CapEx movement received a grade of 84. That said, one metric, Net Cash Flow, stood out as particularly concerning. Jiangsu Zhangjiagang Rural Commercial's management was not successful in meaningfully improving their cash flow metrics. As of the current filing, they were reported as -340.9 and represented a 67.0% change from the previous period. Their net cash flow momentum should be a cause for concern and could bring negative momentum for Jiangsu Zhangjiagang Rural Commercial's stock price going forward. Consequently, their net cash flow movement received a grade of 39. Therefore, the company's cash flow earned a grade of 64.

Parameter Value Change Score
Net Cashflow -340.9 67.0% 39
Capital Expenditure -275.8 6.0% 84
Free Cashflow -0.4 -614.9% 98
* All values are TTM

The below chart describes Jiangsu Zhangjiagang Rural Commercial's performance as reflected on its cash flow with respect to its peers. While Jiangsu Zhangjiagang Rural Commercial received a cash flow score of 64, the average of its peers stands on 66.0.

  •  002839
  •  Peers average
Name Market Cap Cashflow Momentum Free Cashflow Growth Capital Expenditure Growth Assets Factors Momentum Cash Flow mc_sort Hidden
Ping An Bank Co., Ltd. 281.2B 91 42 96 69 85 0 1
Bank of Ningbo Co., Ltd. 225.7B 93 38 59 69 71 1 1
Bank of Suzhou Co., Ltd. 22.1B 61 78 49 69 61 2 1
Qingdao Rural Commercial Bank Co., Ltd. 18.4B 86 49 84 69 81 3 1
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. 9.3B 42 94 51 69 53 4 1
China Merchants Bank Co., Ltd. 1.1T 90 45 44 69 68 5 1
Industrial Bank Co., Ltd. 402.2B 81 56 47 69 66 6 1
Shanghai Pudong Development Bank Co., Ltd. 233.9B 48 87 85 69 68 7 1
China Everbright Bank Company Limited 160.4B 43 95 54 69 56 8 1
China Minsheng Banking Corp., Ltd. 150.8B 84 45 91 69 79 9 1
Bank of Nanjing Co., Ltd. 111.2B 49 84 48 69 54 10 1
Bank of Jiangsu Co., Ltd. 100.3B 93 41 90 69 84 11 1
Bank of Beijing Co., Ltd. 95.8B 67 67 92 69 75 12 1
Bank of Shanghai Co., Ltd. 92.8B 95 38 80 69 81 13 1
Bank of Hangzhou Co., Ltd. 85.0B 49 87 90 69 69 14 1
Hua Xia Bank Co., Limited 79.1B 80 57 69 69 75 15 1
Bank of Chengdu Co., Ltd. 61.3B 66 67 45 69 58 16 1
Bank of Changsha Co., Ltd. 31.4B 59 81 45 69 60 17 1
QILU BANK CO., LTD. 22.4B 81 54 90 69 80 18 1
Bank of Guiyang Co.,Ltd. 21.2B 67 67 90 69 75 19 1
Jiangsu Changshu Rural Commercial Bank Co., Ltd. 20.6B 71 73 81 69 80 20 1
Bank of Xi'an Co.,Ltd. 16.2B 43 90 62 67 51 21 1
Xiamen Bank Co., Ltd. 15.6B 93 40 85 69 82 22 1
Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd 12.2B 96 37 44 69 69 23 1
Jiangsu Zijin Rural Commercial Bank Co.,Ltd 10.5B 46 99 50 67 53 24 1
Wuxi Rural Commercial Bank Co.,Ltd 10.3B 82 52 84 69 79 25 1
Jiangsu Suzhou Rural Commercial Bank Co., Ltd 9.0B 85 50 56 69 70 26 1

This report is intended for general guidance and information purposes only and under no circumstances is tailored to a specific factor or variable related to its reader or intended to be used or considered as financial or investment advice, a solicitation of any offer, a recommendation, or an offer to sell or buy any securities or other form of a financial asset. For the full disclaimer, click here.