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Rural commercial bank serving Jiangyin, a manufacturing-rich county-level city in Jiangsu, with retail and small-business banking.
Rural commercial bank serving Jiangyin, a manufacturing-rich county-level city in Jiangsu, with retail and small-business banking.
Earns mostly from loan interest less the cost of deposits, with business concentrated in Jiangyin, a county-level city under Wuxi in Jiangsu where private manufacturers are the typical borrowers. Wealth-product and card fees add a smaller part.
In one line: A tiny US community bank confined to one wealthy county.
Moat: narrow (distribution, regulatory licence). Deep local branch network and deposit franchise built from a former rural credit cooperative.
Headquarters: Jiangyin, China · Employees: 1,747
Size Jiangsu Jiangyin Rural Commercial Bank (002807.SZ) is a China Financials company (Regional Banks) with a market value of $1.77B, the 1403rd largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥4.37 on 6 Nov 2026.
Performance Over six months the shares gained 5.0%, against +5.0% for the median peer and -16.4% for the China market (cap-weighted) — 11th highest of 21 in its peer set.
Growth Revenue fell 3.2% over the last twelve months (peer median +8.6%); the operating margin is 55.9% (peer median 40.9%).
Valuation It trades at 0.57× book value against a peer median of 0.98× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 2.9%; Jiangsu Jiangyin Rural Commercial Bank delivers 10.5%, so the price asks less than the business earns today.
Next results Next results expected around 29 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CN¥6.84B | CN¥6.88B | CN¥6.90B | CN¥7.14B | CN¥6.83B |
| Revenue growth | — | 0% | -3% | +5% | — |
| Net income | CN¥2.10B | CN¥2.05B | CN¥2.04B | CN¥1.89B | CN¥1.62B |
| Free cash flow | CN¥21.2B | CN¥3.67B | CN¥2.09B | CN¥2.86B | CN¥2.71B |
| Capital expenditure | CN¥233M | CN¥310M | CN¥235M | CN¥155M | CN¥275M |
| Total debt | CN¥30.3B | CN¥27.2B | CN¥24.9B | CN¥26.8B | CN¥23.6B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% |
| Bank of Jiangsu 600919.SS | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% |
| Bank of Suzhou 002966.SZ | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% |
| Agricultural Bank of China 601288.SS | $375B | +5% | -4% | 11% | 0.88× | 3.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 002807.SZ | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.1% | +1.5% | 9th highest of 21 |
| 6-month return | +5.0% | +5.0% | 11th highest of 21 |
| Return on equity | 10.5% | 9.5% | 7th highest of 21 |
| Price / book | 0.57× | 0.98× | 6th cheapest of 21 |
| Trailing P/E | 5.6× | 12.1× | 4th cheapest of 21 |
| ROE the price implies | 2.9% | 8.8% | 4th least demanding of 21 |
| ROE delivered | 10.5% | 9.5% | 7th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Ogaki Kyoritsu Bank 8361.T | Japan | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% | 5.6% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| Bank of Lanzhou 001227.SZ | China | $1.82B | -4% | 0% | 6% | 0.38× | 2.5% | 5.5% |
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| Dime Commercial Bancshares DCOM | United States | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% | 9.4% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| German American Bancorp GABC | United States | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% | 12.8% |
| TriCo Bancshares TCBK | United States | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% | 10.6% |
| Bank of Nagoya 8522.T | Japan | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% | 7.3% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |