Bank of Jiujiang Co Ltd (6190) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Bank of Jiujiang Co Ltd HK$4.93, price HK$2.70, upside +82.6%, quality 55 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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Bank of Jiujiang Co Ltd
6190 · 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 24, 2026.
How to read this chart
60‑month range HK$1.53 – HK$10.28 · fair‑value band HK$3.70 – HK$6.16 · the HK$2.70 price screens below the HK$4.93 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
Bank of Jiujiang Co., Ltd. provides various banking products and services for individual customers, corporations, government agencies, and financial institutions in the People's Republic of China. It operates through Corporate Banking, Retail Banking, and Financial Market Business segments.
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Bank of Jiujiang Co., Ltd. provides various banking products and services for individual customers, corporations, government agencies, and financial institutions in the People's Republic of China. It operates through Corporate Banking, Retail Banking, and Financial Market Business segments. The company offers corporate and personal loans, trade financing, depositing sproducts, granting short-term, medium-term and long-term loans, and other types of corporate and personal intermediary services; and card and personal wealth management services. It also conducts money market or repurchase transactions, and financial investments. In addition, the company provides domestic and overseas settlements, bill acceptance and discounting, government bonds and financial bonds trading, inter-bank placement, letters of credit and guarantee, insurance agency, and safe-box services. Further, the company issues financial bonds; sells securities investment funds and other products; and acts as an agent to issue, settle, and underwrite government bonds, as well as for inward and outward payments. The company was formerly known as Jiujiang Commercial Bank and changed its name to Bank of Jiujiang Co., Ltd. in September 2008. Bank of Jiujiang Co., Ltd. was incorporated in 2000 and is headquartered in Chaisang, the People's Republic of China.
Stock analysis
Bank of Jiujiang Co Ltd (6190) currently trades at HK$2.70, while our model-based Fair Value estimate is HK$4.93, implying the stock looks roughly 45.2% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of HK$8.00 per share, and 4 of the 6 models we run sit above the HK$2.70 price.
Bear case: the Dividend Discount group reads lowest at HK$2.20, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$3.70 (bear) to HK$6.16 (bull), the price of HK$2.70 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 55/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bank of Jiujiang Co Ltd reported revenue of 17.6B CNY in FY2025 versus 5.1B CNY in FY2021, a compound +36.5%/yr. Reported net income was 806M CNY in FY2025, compounding −17.4%/yr from FY2021.
Key figures
Market cap HK$7.7B (≈ $980M) · P/E ratio 11.5 · P/S ratio 0.53 · EPS (TTM) HK$0.3000 · Dividend yield 2.1% · Net margin 4.6% · Return on equity 1.9% · 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 16% below its 52-week high and 77% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 83%, 6190 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 50 · Market factors (momentum, volatility) 46
Revenue & earnings trend
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Compare Bank of Jiujiang 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 · 1076 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 | 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 Bank of Jiujiang Co Ltd
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