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.
- Fair value above price? Yes
- Good quality? Yes
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Jiangxi Bank Co Ltd
1916 · HKClearly undervaluedStrong Fair Value upside, but quality is only moderate.
What runs behind every stock
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, 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.
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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.
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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.
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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
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 44
Revenue & earnings trend
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Compare Jiangxi Bank Co Ltd with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Hong Kong Stocks
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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% |
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Key figures of Jiangxi Bank Co Ltd
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