Jiangsu Zijin Rural Commercial Bank Co Ltd (601860) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Jiangsu Zijin Rural Commercial Bank Co Ltd ¥4.53, price ¥2.55, upside +77.7%, quality 62 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 23, 2026.
How to read this chart
60‑month range ¥2.38 – ¥3.55 · fair‑value band ¥3.81 – ¥5.51 · the ¥2.55 price screens below the ¥4.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Jiangsu Zijin Rural Commercial Bank Co.,Ltd provides various banking products and services to personal and business customers. The company offers deposits; loans; foreign currency deposits, international settlement, trade finance, and treasury services; and financial industry and investment banking services.
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Jiangsu Zijin Rural Commercial Bank Co.,Ltd provides various banking products and services to personal and business customers. The company offers deposits; loans; foreign currency deposits, international settlement, trade finance, and treasury services; and financial industry and investment banking services. It also offers debit and credit cards; and mobile and Internet banking services, as well as ATMs. Jiangsu Zijin Rural Commercial Bank Co.,Ltd was founded in 2011 and is based in Nanjing, China.
Stock analysis
Jiangsu Zijin Rural Commercial Bank Co Ltd (601860) currently trades at ¥2.55, while our model-based Fair Value estimate is ¥4.53, implying the stock looks roughly 43.7% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of ¥4.45 per share, and 4 of the 6 models we run sit above the ¥2.55 price.
Bear case: the Dividend Discount group reads lowest at ¥1.89, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ¥3.81 (bear) to ¥5.51 (bull), the price of ¥2.55 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 62/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Jiangsu Zijin Rural Commercial Bank Co Ltd reported revenue of 4.0B CNY in FY2025 versus 9.0B CNY in FY2021, a compound −18.2%/yr. Reported net income was 1.2B CNY in FY2025, compounding −4.8%/yr from FY2021.
Key figures
Market cap 9.3B CNY (≈ $1.4B) · P/E ratio 8.2 · P/S ratio 2.55 · EPS (TTM) ¥0.3100 · Dividend yield 3.9% · Net margin 31.0% · Return on equity 6.1% · Return on assets (EBIT) 0.8%.
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 14% below its 52-week high and 5% 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 78%, 601860 screens cheaper than that median.
Fair Value models
Bear ¥3.81Fair Value ¥4.53Bull ¥5.51
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 (¥0.1536 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.89/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+1.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.2%
Dividend (yield on the price)3.9%
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.−2% vs 0%, steady
Profit margin 2018 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.52% → 56%
Compare Jiangsu Zijin Rural Commercial Bank Co Ltd with another stock
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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 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside+78% · Top 25%
Profitability
Return on equity (TTM)6% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)41% · Top 25%
Operating margin (TTM)58% · Top 25%
Growth and dividend
Revenue growth4% · Below median
Dividend yield (TTM)3.9% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Jiangsu Zijin Rural Commercial Bank Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/601860
Frequently asked questions
Is Jiangsu Zijin Rural Commercial Bank Co Ltd (601860) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of ¥4.53 versus a price of ¥2.55, about +78% upside (undervalued).
What is the fair value of 601860?
Our model-based fair value for Jiangsu Zijin Rural Commercial Bank Co Ltd is ¥4.53 (as of Sep 23, 2026), built from audited fundamentals. The current price: ¥2.55.
What is the quality score of 601860?
Jiangsu Zijin Rural Commercial Bank Co Ltd has a Quality Score of 62/100. 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 Zijin Rural Commercial Bank Co Ltd (601860)?
Our model-based price target is the fair value of ¥4.53 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario ¥3.81, optimistic scenario ¥5.51. It is a calculation from audited fundamentals, not an analyst target.
What is the Jiangsu Zijin Rural Commercial Bank Co Ltd stock forecast for 2026?
Our models put fair value at ¥4.53, about +78% upside versus a price of ¥2.55 (undervalued). Cautious scenario ¥3.81, optimistic scenario ¥5.51. The calculation is refreshed regularly with new filings.
What is the revenue of Jiangsu Zijin Rural Commercial Bank Co Ltd (601860)?
Jiangsu Zijin Rural Commercial Bank Co Ltd reported trailing-twelve-month revenue of about 3.1B CNY (latest available figure, as of Sep 23, 2026).
Does Jiangsu Zijin Rural Commercial Bank Co Ltd pay a dividend?
Jiangsu Zijin Rural Commercial Bank Co Ltd currently shows a dividend yield of about 3.92% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Jiangsu Zijin Rural Commercial Bank Co Ltd (601860)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jiangsu Zijin Rural Commercial Bank Co Ltd it is ¥4.53 per share (as of Sep 23, 2026), against a price of ¥2.55. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jiangsu Zijin Rural Commercial Bank Co Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, 601860 trades below its calculated fair value: price ¥2.55, fair value ¥4.53, a gap of about +78% (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 601860?
No. The price is what the market pays today (¥2.55); the fair value is what the company's own numbers justify (¥4.53). For Jiangsu Zijin Rural Commercial Bank Co Ltd the two are ¥1.98 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jiangsu Zijin Rural Commercial Bank Co Ltd worth?
The market values Jiangsu Zijin Rural Commercial Bank Co Ltd at about 9.3B CNY (market capitalisation, as of Sep 23, 2026). Per share that is ¥2.55; our models calculate a fair value of ¥4.53 per share.
What do the bullish and bearish scenarios say about 601860?
Our models span a range for Jiangsu Zijin Rural Commercial Bank Co Ltd: cautious scenario ¥3.81, base ¥4.53, optimistic ¥5.51 per share (as of Sep 23, 2026, price ¥2.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 601860?
Jiangsu Zijin Rural Commercial Bank Co Ltd trades at a price-to-earnings ratio of 8.2 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥4.53 is built from several models across several years. Other multiples: P/B 0.5, P/S 3.0.
How solid is the balance sheet of Jiangsu Zijin Rural Commercial Bank Co Ltd (601860)?
Balance-sheet figures for Jiangsu Zijin Rural Commercial Bank Co Ltd (as of Sep 23, 2026): return on equity 6.1%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is 601860 from its 52-week high?
Jiangsu Zijin Rural Commercial Bank Co Ltd trades at ¥2.55, about 14% below its 52-week high of ¥2.98 and 5% above the low of ¥2.42 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of ¥4.53 is for.
Which stocks are comparable to Jiangsu Zijin 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 Zijin Rural Commercial Bank Co Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price ¥2.55, calculated fair value ¥4.53 (+78%), Quality Score 62/100, 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 601860 calculated?
We run Jiangsu Zijin 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 ¥4.53, 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 Zijin Rural Commercial Bank Co Ltd currently trades 78 % 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 Zijin Rural Commercial Bank Co Ltd (601860)?
The closing price on Sep 23, 2026 was ¥2.55. Our model-based fair value is ¥4.53, about +78% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jiangsu Zijin Rural Commercial Bank Co Ltd right now?
The price is below even our cautious bear case (¥3.81). 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 (62/100) 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 Jiangsu Zijin Rural Commercial Bank Co Ltd (601860) come from?
Earnings per share at Jiangsu Zijin Rural Commercial Bank Co Ltd grew +2.9 % a year from 2013 to 2024. Broken into its drivers: revenue per share +8.8 %, EBIT margin −7.0 %, tax rate +0.5 %, residual (interest, one-offs) +1.2 %. 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 Zijin Rural Commercial Bank Co Ltd
How large is the market capitalisation of Jiangsu Zijin Rural Commercial Bank Co Ltd (601860)?
The market capitalisation of Jiangsu Zijin Rural Commercial Bank Co Ltd is 9.3B CNY (≈ $1.4B). 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 Zijin Rural Commercial Bank Co Ltd (601860)?
The price-to-sales ratio of Jiangsu Zijin Rural Commercial Bank Co Ltd is 2.55 (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 Zijin Rural Commercial Bank Co Ltd (601860)?
Earnings per share at Jiangsu Zijin Rural Commercial Bank Co Ltd are ¥0.3100 (price ÷ EPS = P/E 8.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jiangsu Zijin Rural Commercial Bank Co Ltd (601860)?
The dividend yield of Jiangsu Zijin Rural Commercial Bank Co Ltd is 3.9% (payout 32.3%). 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 Zijin Rural Commercial Bank Co Ltd (601860)?
The net margin of Jiangsu Zijin Rural Commercial Bank Co Ltd is 31.0% (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 Jiangsu Zijin Rural Commercial Bank Co Ltd (601860)?
The return on equity (ROE) of Jiangsu Zijin Rural Commercial Bank Co Ltd is 6.1% (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 Zijin Rural Commercial Bank Co Ltd (601860)?
On an EBIT basis the return on assets of Jiangsu Zijin Rural Commercial Bank Co Ltd is 0.8% (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 Zijin Rural Commercial Bank Co Ltd (601860)?
The operating margin of Jiangsu Zijin Rural Commercial Bank Co Ltd is 57.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jiangsu Zijin Rural Commercial Bank Co Ltd (601860)?
Revenue at Jiangsu Zijin Rural Commercial Bank Co Ltd is growing +4.4% versus a year earlier (3y avg −23.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Jiangsu Zijin Rural Commercial Bank Co Ltd (601860) generate?
The free cash flow of Jiangsu Zijin Rural Commercial Bank Co Ltd is 18.4B 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 Zijin Rural Commercial Bank Co Ltd (601860) hold?
Jiangsu Zijin Rural Commercial Bank Co Ltd holds more cash than debt, 16.7B CNY net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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