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Rural commercial bank based in Zhangjiagang, a Yangtze-port city in Jiangsu, serving local retail and small-business customers.
Rural commercial bank based in Zhangjiagang, a Yangtze-port city in Jiangsu, serving local retail and small-business customers.
Earns mostly from the gap between loan interest and deposit costs, with lending concentrated among small manufacturers and traders in one port city and its surroundings, so the local manufacturing and trade cycle drives loan quality.
In one line: A tiny US community bank confined to one Yangtze port city.
Moat: narrow (distribution, regulatory licence). Long-standing local deposit base inherited from a former rural credit cooperative.
Headquarters: Zhangjiagang, China · Employees: 2,396
Size Jiangsu Zhangjiagang Rural Commercial Bank (002839.SZ) is a China Financials company (Regional Banks) with a market value of $1.61B, the 1532nd largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥4.40 on 6 Nov 2026.
Performance Over six months the shares fell 3.5%, against +1.5% for the median peer and -16.4% for the China market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue fell 10.1% over the last twelve months (peer median +5.5%); the operating margin is 48.8% (peer median 39.0%).
Valuation It trades at 0.54× book value against a peer median of 0.97× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 2.6%; Jiangsu Zhangjiagang Rural Commercial Bank delivers 10.6%, so the price asks less than the business earns today.
Next results Next results expected around 30 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CN¥7.51B | CN¥8.24B | CN¥8.76B | CN¥8.81B | CN¥8.70B |
| Revenue growth | — | -6% | -1% | +1% | — |
| Net income | CN¥2.01B | CN¥1.98B | CN¥1.88B | CN¥1.79B | CN¥1.68B |
| Free cash flow | CN¥18.0B | CN¥2.48B | -CN¥20.1B | -CN¥21.1B | -CN¥27.9B |
| Capital expenditure | CN¥67.6M | CN¥67.7M | CN¥79.4M | CN¥116M | CN¥275M |
| Total debt | CN¥23.1B | CN¥24.2B | CN¥27.7B | CN¥29.9B | CN¥28.2B |
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 Zhangjiagang Rural Commercial Bank 002839.SZ | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% |
| 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 | 002839.SZ | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +1.6% | -0.1% | 8th highest of 21 |
| 6-month return | -3.5% | +1.5% | 7th lowest of 21 |
| Return on equity | 10.6% | 9.7% | 9th highest of 21 |
| Price / book | 0.54× | 0.97× | 5th cheapest of 21 |
| Trailing P/E | 5.3× | 12.1× | 4th cheapest of 19 |
| ROE the price implies | 2.6% | 8.0% | 2nd least demanding of 21 |
| ROE delivered | 10.6% | 9.9% | 8th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |
| Zhejiang Shaoxing Ruifeng Rural Commercial Bank 601528.SS | China | $1.60B | +4% | -8% | 10% | 0.51× | 3.4% | 9.9% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| Bank of Nagoya 8522.T | Japan | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% | 7.3% |
| TriCo Bancshares TCBK | United States | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% | 10.6% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Ogaki Kyoritsu Bank 8361.T | Japan | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% | 5.6% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |