Jiangsu Jiangyin Rural Commercial Bank Co (002807) Fair Value & Analysis
Financial Services · CN · Market cap 10.8B CNY
Analysis
Jiangsu Jiangyin Rural Commercial Bank Co (002807) currently trades at ¥3.90, while our model-based Fair Value estimate is ¥7.80 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
About the company
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. provides various personal and corporate banking products and services in China. The company operates through three segments: Corporate Business, Personal Business, and Treasury Business. It offers fixed, current, smart, notice, time, and demand deposits, as well as deposit certificates; gold, mortgage, and personal business and consumption loans; business operating, project, syndicated, agricultural, fund pool, auction, commercial property, revolving, technology, and green energy loans; and corporate finance. The company also provides citizen, debit, and credit cards; international remittance, foreign currency exchange and settlement, and clean collection; and agency funds, precious metal sales, and third-party custody services. In addition, it offers letter of credit, documentary and clean collection, packaged loans, export bill purchase, forfaiting, export invoice financing, offshore non-financing guarantee, credit insurance, import …
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.