Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd ¥6.49, price ¥4.28, upside +51.7%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ¥3.28 – ¥4.67 · fair‑value band ¥5.98 – ¥7.81 · the ¥4.28 price screens below the ¥6.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd provides banking products and services in China. The company operates through four segments: Corporate Banking Business, Personal Banking Business, Treasury Business, and Other Businesses.
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Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd provides banking products and services in China. The company operates through four segments: Corporate Banking Business, Personal Banking Business, Treasury Business, and Other Businesses. The Corporate Banking Business segment provides services, including corporate loans, bill issuance, trade financing, corporate deposits and remittances, etc. to corporate customers. Its Personal Banking Business segment offers banking services, including retail loans, savings deposit business, credit card business, and remittance business to private customers. The Capital Business segment engages in the trading of financial instruments, asset management and trust plan investment, bond investment, repurchase and resale business, inter-bank lending industry Services, etc. Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd founded in 2001 and is based in Zhangjiagang, China.
Stock analysis
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839) currently trades at ¥4.28, while our model-based Fair Value estimate is ¥6.49, implying the stock looks roughly 34.1% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ¥10.52 per share, and 6 of the 6 models we run sit above the ¥4.28 price.
Bear case: the Dividend Discount group reads lowest at ¥4.43, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ¥5.98 (bear) to ¥7.81 (bull), the price of ¥4.28 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 41/100 (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 Zhangjiagang Rural Commercial Bank Co Ltd reported revenue of 4.6B CNY in FY2025 versus 8.0B CNY in FY2021, a compound −12.8%/yr. Reported net income was 2.0B CNY in FY2025, compounding +11.0%/yr from FY2021.
Key figures
Market cap 10.5B CNY (≈ $1.6B) · P/E ratio 5.5 · P/S ratio 2.35 · EPS (TTM) ¥0.7800 · Dividend yield 5.1% · Net margin 42.9% · Return on equity 9.6% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 52%, 002839 screens cheaper than that median.
Fair Value models
Bear ¥5.98Fair Value ¥6.49Bull ¥7.81
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (¥0.4096 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.Evidence ⓘEvidence = 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.
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
−46.5%
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.
−18.7%
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.
−7.4%
Start year 2020 (pandemic). Over 10 years: +1.2% a year
Revenue growth 20 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.
+9.2%
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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.
+21.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.1%
Dividend (yield on the price)5.1%
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.16% vs 9%, 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.16% → 24%
Compare Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd with another stock
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside+52% · Top 25%
Profitability
Return on equity (TTM)10% · Below median
Return on assets1% · Below median
Net margin (TTM)51% · Top 25%
Operating margin (TTM)67% · Top 25%
Growth and dividend
Revenue growth−5% · Bottom 25%
Dividend yield (TTM)5.1% · Top 25%
Balance sheet
Debt / equity0.10× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/002839
Frequently asked questions
Is Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ¥6.49 versus a price of ¥4.28, about +52% upside (undervalued).
What is the fair value of 002839?
Our model-based fair value for Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is ¥6.49 (as of Sep 24, 2026), built from audited fundamentals. The current price: ¥4.28.
What is the quality score of 002839?
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd has a Quality Score of 41/100. 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
Our model-based price target is the fair value of ¥6.49 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario ¥5.98, optimistic scenario ¥7.81. It is a calculation from audited fundamentals, not an analyst target.
What is the Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd stock forecast for 2026?
Our models put fair value at ¥6.49, about +52% upside versus a price of ¥4.28 (undervalued). Cautious scenario ¥5.98, optimistic scenario ¥7.81. The calculation is refreshed regularly with new filings.
What is the revenue of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd reported trailing-twelve-month revenue of about 3.9B CNY (latest available figure, as of Sep 24, 2026).
Does Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd pay a dividend?
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd currently shows a dividend yield of about 5.14% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd it is ¥6.49 per share (as of Sep 24, 2026), against a price of ¥4.28. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 002839 trades below its calculated fair value: price ¥4.28, fair value ¥6.49, a gap of about +52% (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 002839?
No. The price is what the market pays today (¥4.28); the fair value is what the company's own numbers justify (¥6.49). For Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd the two are ¥2.21 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd worth?
The market values Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd at about 10.5B CNY (market capitalisation, as of Sep 24, 2026). Per share that is ¥4.28; our models calculate a fair value of ¥6.49 per share.
What do the bullish and bearish scenarios say about 002839?
Our models span a range for Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd: cautious scenario ¥5.98, base ¥6.49, optimistic ¥7.81 per share (as of Sep 24, 2026, price ¥4.28). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 002839?
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd trades at a price-to-earnings ratio of 5.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥6.49 is built from several models across several years. Other multiples: P/B 0.5, P/S 2.7.
How solid is the balance sheet of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
Balance-sheet figures for Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (as of Sep 24, 2026): return on equity 9.6%, debt of 0.10 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is 002839 from its 52-week high?
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd trades at ¥4.28, about 8% below its 52-week high of ¥4.67 and 10% above the low of ¥3.90 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of ¥6.49 is for.
Which stocks are comparable to Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Zhangjiagang Rural Commercial Bank Co Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price ¥4.28, calculated fair value ¥6.49 (+52%), Quality Score 41/100, 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 002839 calculated?
We run Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ¥6.49, 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 14.1 % above its aggregate fair value. Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd currently trades 52 % 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
The closing price on Sep 22, 2026 was ¥4.28. Our model-based fair value is ¥6.49, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd right now?
The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (¥5.98). 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839) come from?
Earnings per share at Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd grew +6.1 % a year from 2013 to 2024. Broken into its drivers: revenue per share +5.6 %, EBIT margin −0.1 %, tax rate +0.4 %, residual (interest, one-offs) +0.1 %. 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 Zhangjiagang Rural Commercial Bank Co Ltd
How large is the market capitalisation of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
The market capitalisation of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is 10.5B CNY (≈ $1.6B). 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
The price-to-sales ratio of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is 2.35 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
Earnings per share at Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd are ¥0.7800 (price ÷ EPS = P/E 5.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
The dividend yield of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is 5.1% (payout 28.2%). 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
The net margin of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is 42.9% (fiscal year 2025). 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
The return on equity (ROE) of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is 9.6% (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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
On an EBIT basis the return on assets of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is 0.9% (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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
The operating margin of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is 67.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
Revenue at Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is growing −5.4% versus a year earlier (3y avg −18.7%). 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839)?
Earnings per share at Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd are growing +4.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839) generate?
The free cash flow of Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is −3.3B 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 Zhangjiagang Rural Commercial Bank Co Ltd (002839) hold?
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd holds more cash than debt, 5.5B CNY net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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