EN DE
Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation

Jiangxi Bank Co Ltd (1916) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of Jiangxi Bank Co Ltd HK$1.19, price HK$0.59, upside +101.7%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · HK · Home China · ISIN CNE1000031B3

JB Thin data Sep 27, 2026

Jiangxi Bank Co Ltd

1916 · HK

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value HK$1.19 · Strongly undervalued (+101.7%)
!Quality 58/100
!Weak Growth (revenue 5y −8.4 %/yr)
✓Highly profitable · 25.0% net margin (TTM)
!High debt · generates free cash flow
✓5.8% dividend yield · Well covered
!Mixed vs. peers (7/14)
!Moderate moat 45/100
!Evidence only low, so the estimate is less certain
!Weak on past: 9 out of 100
!Weak on balance sheet: 19 out of 100

What runs behind every stock

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

Price vs Fair Value

HK$2.78 HK$0.5246 Fair Value HK$1.19 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range HK$0.5246 – HK$2.78 · fair‑value band HK$0.8920 – HK$1.49 · the HK$0.5900 price screens below the HK$1.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.

Follow Jiangxi Bank Co in your weekly email

Every Wednesday you see whether Jiangxi Bank Co is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Jiangxi Bank Co., Ltd. provides corporate and retail banking services in the People's Republic of China. It operates through Corporate Banking, Retail Banking and Credit Card Treasury business, and Others segments.

Show more

Jiangxi Bank Co., Ltd. provides corporate and retail banking services in the People's Republic of China. It operates through Corporate Banking, Retail Banking and Credit Card Treasury business, and Others segments. The Corporate Banking segment offers deposits, corporate loans and advances, trade financing, agency services, consulting and advisory services, remittance, settlement services, and guarantee services to corporations, government agencies, and financial institutions. The Retail Banking and Credit Card segment provides deposits, personal loans, bank cards, personal wealth management services, and remittance services to retail customers. The Treasury business segment engages in the inter-bank money market transactions; repurchases transactions and investments; debt securities trading; and issuance of debts. The company also offers financial leasing, foreign exchange, bill acceptance, discounting, and safe-box services; issues financial bonds; issues, trades in, settles, and underwrites government bonds; offers interbank placement services; acts as an agent for inward and outward payments, and insurance agent; and provides loans based on local government funds. The company was formerly known as Bank of Nanchang Co., Ltd. and changed its name to Jiangxi Bank Co., Ltd. in December 2015. Jiangxi Bank Co., Ltd. was founded in 1997 and is headquartered in Nanchang, the People's Republic of China.

Stock analysis

Jiangxi Bank Co Ltd (1916) currently trades at HK$0.5900, while our model-based Fair Value estimate is HK$1.19, implying the stock looks roughly 50.4% undervalued today.

Show more

Valuation

Bull case: the Asset-Based group reads highest at a median of HK$5.13 per share, and 4 of the 6 models we run sit above the HK$0.5900 price.

Bear case: the Dividend Discount group reads lowest at HK$0.3600, and 2 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: HK$0.8920 (bear) to HK$1.49 (bull), the price of HK$0.5900 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 58/100 (solid 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.

Jiangxi Bank Co Ltd reported revenue of 3.9B CNY in FY2025 versus 6.1B CNY in FY2021, a compound −10.9%/yr. Reported net income was 964M CNY in FY2025, compounding −17.4%/yr from FY2021.

Key figures

Market cap HK$3.6B (≈ $453M) · P/E ratio 4.9 · P/S ratio 1.23 · EPS (TTM) HK$0.0900 · Dividend yield 5.8% · Net margin 25.0% · Return on equity 2.2% · Return on assets (EBIT) 0.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 18% below its 52-week high and 6% 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 102%, 1916 screens cheaper than that median.

Fair Value models

Bear HK$0.8920 Fair Value HK$1.19 Bull HK$1.49
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 (HK$0.0420 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. 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.
Highest evidence
Residual Income HK$5.21 HK$5.03 HK$4.96 76
Gordon GGM HK$0.3400 HK$0.3600 HK$0.4000 69
DDM Multi-Stage HK$0.3400 HK$0.4000 HK$0.4800 67
All 6 models by family
Dividend Discount
Gordon GGM HK$0.3400 HK$0.3600 HK$0.4000 69
DDM Multi-Stage HK$0.3400 HK$0.4000 HK$0.4800 67
Multiples
P/E Multiple HK$1.82 HK$2.43 HK$3.04 63
P/B Multiple HK$2.39 HK$3.18 HK$3.98 55
Asset-Based
NCAV (Graham) HK$3.83 HK$5.13 HK$7.66 54
Economic Profit
Residual Income HK$5.21 HK$5.03 HK$4.96 76

Open the full fair value analysis →

Notify me when 1916 reaches fair value

Put 1916 on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.

Set up alert →

Quality Score breakdown

Overall quality 58/100

Of which business quality 57 · Market factors (momentum, volatility) 44

Profitability 29
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 15
Balance sheet, leverage, solvency risk
Investment 87
Disciplined investing over empire-building
Low Volatility 90
Calm price path (market factor)
Momentum 29
Price trend over the last 3–12 months (market factor)
52W Momentum 17
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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. 40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−7.7%
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.
−10.1%
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.
−8.4%
Start year 2020 (pandemic). Over 10 years: −5.6% a year
Revenue growth 19 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%
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.
−8.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−14.0%
Dividend (yield on the price)5.8%
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.−14.0% vs 11.1%, slowing
Profit margin 2020 to 2025 ⓘ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.44% → 23%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 6.8%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

Watch 1916, get fair value alerts →

Compare Jiangxi Bank Co Ltd with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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 · 1057 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside +101.7% · Top 25%
Profitability
Return on equity (TTM) 2.2% · Bottom 25%
Return on assets 0.2% · Bottom 25%
Net margin (TTM) 25.0% · Below median
Operating margin (TTM) 12.4% · Bottom 25%
Growth and dividend
Revenue growth −3.8% · Bottom 25%
Dividend yield (TTM) 5.8% · Top 25%
Balance sheet
Debt / equity 1.62× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 4.9× · Cheapest 25%
P/B 0.08× · Cheapest 25%
P/S (TTM) 0.79× · Cheapest 25%
P/FCF 0.4× · Cheapest 25%
EV/EBITDA 37.8× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 12
FUTURE (revenue growth)0 · sector 46
PAST (return on equity)9 · sector 41
HEALTH (low debt)19 · sector 85
DIVIDEND (yield)100 · sector 53

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
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €83.95 €77.62 −8%
Intesa Sanpaolo S.p.A ISP €6.79 €4.02 −41%
Mizuho Financial Group MFG $11.07 $6.86 −38%
BNP Paribas SA BNP €99.30 €105.99 +7%
HDFC Bank Limited HDFCBANK ₹735.60 ₹406.44 −45%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
CaixaBank, S.A CABK €13.23 €8.46 −36%
ICICI Bank Limited ICICIBANK ₹1,327 ₹615.71 −54%

Explore undervalued stocks

More undervalued Financial Services stocks →

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names ⭐ Top Rated 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

For bloggers & editors: embed code + live data

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). "Jiangxi Bank Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/1916

Frequently asked questions

Is Jiangxi Bank Co Ltd (1916) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$1.19 versus a price of HK$0.5900, about +102% upside (undervalued).
What is the fair value of 1916?
Our model-based fair value for Jiangxi Bank Co Ltd is HK$1.19 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.5900.
What is the quality score of 1916?
Jiangxi Bank Co Ltd has a Quality Score of 58/100. 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 Jiangxi Bank Co Ltd (1916)?
Our model-based price target is the fair value of HK$1.19 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario HK$0.8920, optimistic scenario HK$1.49. It is a calculation from audited fundamentals, not an analyst target.
What is the Jiangxi Bank Co Ltd stock forecast for 2026?
Our models put fair value at HK$1.19, about +102% upside versus a price of HK$0.5900 (undervalued). Cautious scenario HK$0.8920, optimistic scenario HK$1.49. The calculation is refreshed regularly with new filings.
What is the revenue of Jiangxi Bank Co Ltd (1916)?
Jiangxi Bank Co Ltd reported trailing-twelve-month revenue of about 3.9B CNY (latest available figure, as of Sep 27, 2026).
Does Jiangxi Bank Co Ltd pay a dividend?
Jiangxi Bank Co Ltd currently shows a dividend yield of about 5.76% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of Jiangxi Bank Co Ltd (1916)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jiangxi Bank Co Ltd it is HK$1.19 per share (as of Sep 27, 2026), against a price of HK$0.5900. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jiangxi Bank Co Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1916 trades below its calculated fair value: price HK$0.5900, fair value HK$1.19, a gap of about +102% (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 1916?
No. The price is what the market pays today (HK$0.5900); the fair value is what the company's own numbers justify (HK$1.19). For Jiangxi Bank Co Ltd the two are HK$0.6000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jiangxi Bank Co Ltd worth?
The market values Jiangxi Bank Co Ltd at about HK$3.6B (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.5900; our models calculate a fair value of HK$1.19 per share.
What do the bullish and bearish scenarios say about 1916?
Our models span a range for Jiangxi Bank Co Ltd: cautious scenario HK$0.8920, base HK$1.19, optimistic HK$1.49 per share (as of Sep 27, 2026, price HK$0.5900). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1916?
Jiangxi Bank Co Ltd trades at a price-to-earnings ratio of 4.9 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$1.19 is built from several models across several years. Other multiples: P/B 0.1, P/S 0.8, EV/EBITDA 37.8.
How solid is the balance sheet of Jiangxi Bank Co Ltd (1916)?
Balance-sheet figures for Jiangxi Bank Co Ltd (as of Sep 27, 2026): return on equity 2.2%, debt of 1.62 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is 1916 from its 52-week high?
Jiangxi Bank Co Ltd trades at HK$0.5900, about 18% below its 52-week high of HK$0.7200 and 6% above the low of HK$0.5550 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$1.19 is for.
Which stocks are comparable to Jiangxi Bank Co Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Jiangxi Bank Co Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.5900, calculated fair value HK$1.19 (+102%), Quality Score 58/100, 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 1916 calculated?
We run Jiangxi 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 HK$1.19, 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 14.7 % above its aggregate fair value. Jiangxi Bank Co Ltd currently trades 50 % 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 Jiangxi Bank Co Ltd (1916)?
The closing price on Sep 30, 2026 was HK$0.5900. Our model-based fair value is HK$1.19, about +102% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jiangxi Bank Co Ltd right now?
The price is below even our cautious bear case (HK$0.8920). 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. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Jiangxi Bank Co Ltd (1916) come from?
Earnings per share at Jiangxi Bank Co Ltd grew +11.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.8 %, EBIT margin −11.6 %, tax rate +4.0 %, residual (interest, one-offs) +11.0 %. 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 Jiangxi Bank Co Ltd

How large is the market capitalisation of Jiangxi Bank Co Ltd (1916)?
The market capitalisation of Jiangxi Bank Co Ltd is HK$3.6B (≈ $453M). 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 Jiangxi Bank Co Ltd (1916)?
The price-to-sales ratio of Jiangxi Bank Co Ltd is 1.23 (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 Jiangxi Bank Co Ltd (1916)?
Earnings per share at Jiangxi Bank Co Ltd are HK$0.0900 (price ÷ EPS = P/E 4.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jiangxi Bank Co Ltd (1916)?
The dividend yield of Jiangxi Bank Co Ltd is 5.8% (payout 37.8%). 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 Jiangxi Bank Co Ltd (1916)?
The net margin of Jiangxi Bank Co Ltd is 25.0% (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 Jiangxi Bank Co Ltd (1916)?
The return on equity (ROE) of Jiangxi Bank Co Ltd is 2.2% (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 Jiangxi Bank Co Ltd (1916)?
On an EBIT basis the return on assets of Jiangxi Bank Co Ltd is 0.3% (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 Jiangxi Bank Co Ltd (1916)?
The operating margin of Jiangxi Bank Co Ltd is 12.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jiangxi Bank Co Ltd (1916)?
Revenue at Jiangxi Bank Co Ltd is growing −3.8% versus a year earlier (3y avg −10.1%). 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 Jiangxi Bank Co Ltd (1916)?
Earnings per share at Jiangxi Bank Co Ltd are growing −38.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jiangxi Bank Co Ltd (1916) generate?
The free cash flow of Jiangxi Bank Co Ltd is 7.2B 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 debt does Jiangxi Bank Co Ltd (1916) carry?
The net debt of Jiangxi Bank Co Ltd is 120B CNY (fiscal year 2025, ≈ 16.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Jiangxi Bank Co Ltd in the live analysis

One click puts Jiangxi Bank Co Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.