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Rural commercial bank serving Nanjing's suburban and rural districts, providing retail and small-business banking.
Rural commercial bank serving Nanjing's suburban and rural districts, providing retail and small-business banking.
Earns mostly from the gap between interest on loans and the cost of deposits, lending to small firms and farm-linked borrowers in and around Nanjing, with fees from wealth products as a smaller line. Its business is local, so results track the Nanjing suburban economy and property market.
In one line: A tiny US community bank confined to one city's rural districts.
Moat: narrow (distribution, regulatory licence). Local deposit franchise inherited from a former rural credit cooperative around Nanjing.
Headquarters: Nanjing, China · Employees: 2,490
Size Jiangsu Zijin Rural Commercial Bank (601860.SS) is a China Financials company (Regional Banks) with a market value of $1.39B, the 1754th largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥2.53 on 6 Nov 2026.
Performance Over six months the shares fell 6.0%, against +5.6% for the median peer and -16.4% for the China market (cap-weighted) — 5th lowest of 21 in its peer set.
Growth Revenue fell 8.9% over the last twelve months (peer median +6.2%); the operating margin is 30.3% (peer median 34.5%).
Valuation It trades at 0.43× book value against a peer median of 1.17× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 2.9%; Jiangsu Zijin Rural Commercial Bank delivers 5.7%, so the price asks less than the business earns today.
Next results Next results expected around 23 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CN¥8.16B | CN¥8.61B | CN¥9.48B | CN¥9.50B | CN¥9.03B |
| Revenue growth | — | -9% | 0% | +5% | — |
| Net income | CN¥1.19B | CN¥1.24B | CN¥1.62B | CN¥1.62B | CN¥1.60B |
| Free cash flow | CN¥1.68B | CN¥2.43B | CN¥3.45B | CN¥6.87B | CN¥3.27B |
| Capital expenditure | CN¥45.4M | CN¥43.9M | CN¥45.6M | CN¥53.2M | CN¥130M |
| Total debt | CN¥38.9B | CN¥39.3B | CN¥33.7B | CN¥26.9B | CN¥27.1B |
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 Zijin Rural Commercial Bank 601860.SS | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% |
| Bank of Jiangsu 600919.SS | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% |
| Bank of Nanjing 601009.SS | $22.8B | +5% | +6% | 12% | 0.77× | 2.8% |
| Agricultural Bank of China 601288.SS | $375B | +5% | -4% | 11% | 0.88× | 3.0% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% |
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 | 601860.SS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.3% | -1.7% | 10th lowest of 21 |
| 6-month return | -6.0% | +5.6% | 5th lowest of 21 |
| Return on equity | 5.7% | 11.3% | 5th lowest of 21 |
| Price / book | 0.43× | 1.17× | 3rd cheapest of 21 |
| Trailing P/E | 9.7× | 11.4× | 8th cheapest of 20 |
| ROE the price implies | 2.9% | 9.9% | 2nd least demanding of 21 |
| ROE delivered | 5.7% | 11.7% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |