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Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Jiangsu Jiangyin Rural Commercial Bank Co Ltd stock ¥6.86, price ¥4.37, upside +57.0%, quality 38 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear ¥6.25 to bull ¥7.96 Growth analysisrevenue history, year by year Quality 38/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services CN · ISIN CNE100002BL6

Thin data Nov 5, 2026

Jiangsu Jiangyin Rural Commercial Bank Co Ltd

002807 · SHE

Cheap, value-trap risk

The stock costs 36% less than our calculation considers fair.

Fair value ¥6.86 · Strongly undervalued (36%)

Highly profitable · 56.1% net margin (TTM)

2.5% dividend yield · Low payout

Costs just 5.7 times its yearly profit.

Mixed vs. peers (7/12)

Moderate moat 64/100 · thin data

Quality 38/100

Weak Growth (revenue 5y −7.6 %/yr in CNY)

Thin data

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range ¥2.57 – ¥4.41 · fair‑value band ¥6.25 – ¥7.96 · the ¥4.37 price screens below the ¥6.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

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.

Show moreShow less

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 bill purchase, import payment, and bill pledge financing; and cross border RMB business, online and mobile banking, Wechat bank, golden neighborhood, convenient services, points mall, cashier services, and micro finance products.

Further, the company offers transactional financial instruments, bond investment, repurchase and resale bond business, and interbank lending business. Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. was founded in 2001 and is headquartered in Jiangyin, China.

Stock analysis

Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) currently trades at ¥4.37, while our model-based Fair Value estimate is ¥6.86, implying the stock looks roughly 36% undervalued today.

Valuation

Bull case: the Multiples group reads highest at a median of ¥9.91 per share, and 4 of the 6 models we run sit above the ¥4.37 price.

Bear case: the Dividend Discount group reads lowest at ¥2.91, and 2 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: ¥6.25 (bear) to ¥7.96 (bull), the price of ¥4.37 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Jiangsu Jiangyin Rural Commercial Bank Co Ltd reported revenue of 4.0B CNY in FY2025 versus 6.3B CNY in FY2021, a compound −10.4%/yr. Reported net income was 2.0B CNY in FY2025, compounding +12.6%/yr from FY2021.

Key figures

Market cap 11.8B CNY (≈ $1.8B) Small · P/E ratio 5.7 · P/S ratio 3.17 · EPS (TTM) ¥0.7700 · Dividend yield 2.5% · Net margin 56.1% · Return on equity 10.3% · Return on assets (EBIT) 1.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 57%, 002807 screens cheaper than that median.

Fair Value models

Bear ¥6.25 Fair Value ¥6.86 Bull ¥7.96

Price ¥4.37 · Upside +57.0%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (¥0.5650 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income ¥6.25 ¥6.86 ¥7.96 76

Gordon GGM ¥2.38 ¥2.79 ¥3.21 69

DDM Multi-Stage ¥2.38 ¥3.03 ¥3.78 67

All 6 models by family

Dividend Discount

Gordon GGM ¥2.38 ¥2.79 ¥3.21 69

DDM Multi-Stage ¥2.38 ¥3.03 ¥3.78 67

Multiples

P/E Multiple ¥7.38 ¥9.84 ¥12.30 63

P/B Multiple ¥7.48 ¥9.97 ¥12.47 55

Asset-Based

NCAV (Graham) ¥3.56 ¥4.77 ¥7.12 54

Economic Profit

Residual Income ¥6.25 ¥6.86 ¥7.96 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 38/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35

How much profit the company makes from its sales and capital

Quality Growth 58

Are margins and returns getting better?

Cashflow 0

Do the profits arrive as real cash?

Financial strength 20

Debt, balance sheet and risk of trouble

Investment 56

Does it invest with discipline instead of growing at any price?

Low Volatility 94

How calm the share price moves, does not count

Price momentum 45

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 66

Distance to the 52-week high, does not count

New shares 52

Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 19/100

Revenue is shrinking: the last year, the last three and the last five years are all negative.

Revenue growth 1 year

−42.3%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

−16.0%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

−7.6%

Start year 2020 (pandemic). Over 10 years: −1.0% a year

Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+4.6%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+14.0%

Earnings growth per share plus dividend.

Earnings per share, growth per year+11.5%

Dividend (yield on the price)2.5%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.5% vs 5.7%, picking up

Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19% → 31%

Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 7/12 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 38 · Bottom 25%

Fair Value upside +57.0% · Top 25%

Profitability

Return on equity (12 months) 10.3% · Below median

Return on assets 0.9% · Below median

Net margin (12 months) 56.1% · Top 25%

Operating margin (12 months) 63.8% · Top 25%

Growth and dividend

Revenue growth (quarter YoY) 5.6% · Below median

Dividend yield (12 months) 2.5% · Below median

Balance sheet

Debt / equity 0.08× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.7× · Cheapest 25%

P/B 0.60× · Cheapest 25%

P/S (12 months) 3.17× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)100 · sector 8

FUTURE (revenue growth)28 · sector 47

PAST (return on equity)41 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)50 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs 002807
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs 002807
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs 002807
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs 002807
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs 002807
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs 002807
Mizuho Financial Group MFG	$9.40	$5.90	−37%	vs 002807
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs 002807
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs 002807
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs 002807

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Frequently asked questions

Is Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) overvalued or undervalued?

As of Nov 5, 2026, our model estimates a fair value of ¥6.86 versus a price of ¥4.37, about +57% upside (undervalued).

What is the fair value of 002807?

Our model-based fair value for Jiangsu Jiangyin Rural Commercial Bank Co Ltd is ¥6.86 (as of Nov 5, 2026), built from audited fundamentals. The current price: ¥4.37.

What is the quality score of 002807?

Jiangsu Jiangyin Rural Commercial Bank Co Ltd has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

Our model-based price target is the fair value of ¥6.86 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario ¥6.25, optimistic scenario ¥7.96. It is a calculation from audited fundamentals, not an analyst target.

What is the Jiangsu Jiangyin Rural Commercial Bank Co Ltd stock forecast for 2026?

Our models put fair value at ¥6.86, about +57% upside versus a price of ¥4.37 (undervalued). Cautious scenario ¥6.25, optimistic scenario ¥7.96. The calculation is refreshed regularly with new filings.

What is the revenue of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

Jiangsu Jiangyin Rural Commercial Bank Co Ltd reported trailing-twelve-month revenue of about 3.7B CNY (latest available figure, as of Nov 5, 2026).

Does Jiangsu Jiangyin Rural Commercial Bank Co Ltd pay a dividend?

Jiangsu Jiangyin Rural Commercial Bank Co Ltd currently shows a dividend yield of 2.49% relative to its recent price (as of Nov 5, 2026).

How much is the dividend of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) and when is the ex-dividend date?

Jiangsu Jiangyin Rural Commercial Bank Co Ltd pays a dividend of ¥0.109 per share a year, a dividend yield of 2.5%. The last ex-dividend date was Oct 16, 2026. A dividend has been paid every year since at least 2017. The payout ratio is 14.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jiangsu Jiangyin Rural Commercial Bank Co Ltd it is ¥6.86 per share (as of Nov 5, 2026), against a price of ¥4.37. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Jiangsu Jiangyin Rural Commercial Bank Co Ltd stock overvalued or undervalued in 2026?

As of Nov 5, 2026, 002807 trades below its calculated fair value: price ¥4.37, fair value ¥6.86, a gap of about +57% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of 002807?

No. The price is what the market pays today (¥4.37); the fair value is what the company's own numbers justify (¥6.86). For Jiangsu Jiangyin Rural Commercial Bank Co Ltd the two are ¥2.49 per share apart. That gap is exactly why we show both numbers side by side.

How much is Jiangsu Jiangyin Rural Commercial Bank Co Ltd worth?

The market values Jiangsu Jiangyin Rural Commercial Bank Co Ltd at about 11.8B CNY (market capitalisation, as of Nov 5, 2026). Per share that is ¥4.37; our models calculate a fair value of ¥6.86 per share.

What do the bullish and bearish scenarios say about 002807?

Our models span a range for Jiangsu Jiangyin Rural Commercial Bank Co Ltd: cautious scenario ¥6.25, base ¥6.86, optimistic ¥7.96 per share (as of Nov 5, 2026, price ¥4.37). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of 002807?

Jiangsu Jiangyin Rural Commercial Bank Co Ltd trades at a price-to-earnings ratio of 5.7 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥6.86 is built from several models across several years. Other multiples: P/B 0.6, P/S 3.2.

How solid is the balance sheet of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

Balance-sheet figures for Jiangsu Jiangyin Rural Commercial Bank Co Ltd (as of Nov 5, 2026): return on equity 10.3%, debt of 0.08 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.

How far is 002807 from its 52-week high?

Jiangsu Jiangyin Rural Commercial Bank Co Ltd trades at ¥4.37, at its 52-week high of ¥4.37 and 21% above the low of ¥3.62 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of ¥6.86 is for.

Which stocks are comparable to Jiangsu Jiangyin Rural Commercial Bank Co Ltd?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Jiangsu Jiangyin Rural Commercial Bank Co Ltd stock attractive at the current price?

The data as of Nov 5, 2026: price ¥4.37, calculated fair value ¥6.86 (+57%), Quality Score 38/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of 002807 calculated?

We run Jiangsu Jiangyin Rural Commercial Bank Co Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of ¥6.86 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. Jiangsu Jiangyin Rural Commercial Bank Co Ltd currently trades 36% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

The closing price on Nov 6, 2026 was ¥4.37. Our model-based fair value is ¥6.86, about +57% upside (undervalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Jiangsu Jiangyin Rural Commercial Bank Co Ltd right now?

The large discount to fair value meets weak quality (38/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (¥6.25). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) come from?

Earnings per share at Jiangsu Jiangyin Rural Commercial Bank Co Ltd grew +3.9 % a year from 2013 to 2024. Broken into its drivers: revenue per share +0.8 %, EBIT margin +2.0 %, tax rate +1.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Jiangsu Jiangyin Rural Commercial Bank Co Ltd

How large is the market capitalisation of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

The market capitalisation of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is 11.8B CNY (≈ $1.8B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

The price-to-sales ratio of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is 3.17 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

Earnings per share at Jiangsu Jiangyin Rural Commercial Bank Co Ltd are ¥0.7700 (price ÷ EPS = P/E 5.7). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

The dividend yield of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is 2.5% (payout 14.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

The net margin of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is 56.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

The return on equity (ROE) of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is 10.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

On an EBIT basis the return on assets of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

The operating margin of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is 63.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

Revenue at Jiangsu Jiangyin Rural Commercial Bank Co Ltd is growing +5.6% versus a year earlier (3y avg −16.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807)?

Earnings per share at Jiangsu Jiangyin Rural Commercial Bank Co Ltd are growing +6.5% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) generate?

The free cash flow of Jiangsu Jiangyin Rural Commercial Bank Co Ltd is −2.7B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net cash does Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) hold?

Jiangsu Jiangyin Rural Commercial Bank Co Ltd holds more cash than debt, 6.2B CNY net (fiscal year 2024). The company holds more cash than debt, a safety cushion.

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