Jiangsu Wujiang Rural Coml Bk (603323) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Jiangsu Wujiang Rural Coml Bk ¥6.89, price ¥4.38, upside +57.2%, quality 57 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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Jiangsu Wujiang Rural Coml Bk
603323 · SHGClearly 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 24, 2026.
How to read this chart
60‑month range ¥3.61 – ¥5.91 · fair‑value band ¥6.21 – ¥9.99 · the ¥4.38 price screens below the ¥6.89 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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Company profile
Jiangsu Suzhou Rural Commercial Bank Co., Ltd provides various banking products and services in China. The company offers savings and demand, fixed deposit and withdrawal, lump-sum, flexible, call, and agreement deposits, as well as certificates of deposits; personal consumer, business, mortgage, and other loans; and financial and intermediate services.
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Jiangsu Suzhou Rural Commercial Bank Co., Ltd provides various banking products and services in China. The company offers savings and demand, fixed deposit and withdrawal, lump-sum, flexible, call, and agreement deposits, as well as certificates of deposits; personal consumer, business, mortgage, and other loans; and financial and intermediate services. It also provides corporate finance, such as corporate wealth management, self-operated wealth management; specialty loans; and settlement and SME financing services, as well as debit, credit, and citizen cards. In addition, the company offers international trade finance and settlement, letter of credit, and foreign currency savings and exchange services. Further, it provides digital RMB, personal and corporate online banking, mobile banking, Wechat, and SMS banking services, as well as customer service center and aggregated payment services. The company was formerly known as Jiangsu Wujiang Rural Commercial Bank Co., Ltd. and changed its name to Jiangsu Suzhou Rural Commercial Bank Co., Ltd in March 2019. Jiangsu Suzhou Rural Commercial Bank Co. was founded in 2004 and is headquartered in Suzhou, China.
Stock analysis
Jiangsu Wujiang Rural Coml Bk (603323) currently trades at ¥4.38, while our model-based Fair Value estimate is ¥6.89, implying the stock looks roughly 36.4% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ¥11.90 per share, and 4 of the 6 models we run sit above the ¥4.38 price.
Bear case: the Dividend Discount group reads lowest at ¥3.11, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ¥6.21 (bear) to ¥9.99 (bull), the price of ¥4.38 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 57/100 (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.
Jiangsu Wujiang Rural Coml Bk reported revenue of 4.1B CNY in FY2025 versus 6.6B CNY in FY2021, a compound −11.1%/yr. Reported net income was 2.0B CNY in FY2025, compounding +15.2%/yr from FY2021.
Key figures
Market cap 8.8B CNY (≈ $1.3B) · P/E ratio 4.8 · P/S ratio 2.40 · EPS (TTM) ¥0.9100 · Dividend yield 6.5% · Net margin 49.8% · Return on equity 10.9% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 13% 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 57%, 603323 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 55 · Market factors (momentum, volatility) 49
Revenue & earnings trend
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Compare Jiangsu Wujiang Rural Coml Bk 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 · 1074 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: Chinese 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 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Jiangsu Wujiang Rural Coml Bk
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