CompanyGraph
Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.
002839 · SZSE · China
zrcbank.comFinancials as of FY2025
At a glance
- Depends onUpstream position: supplies 5 industries, depends on 0
- ScaleMarket cap is $1.58B, above the global median of $1.15B
- FinancialsLow earnings quality
Sign in to view price data.
Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
2.74%Below 5Y avg (4.37%)
Annual Rate
CNY 0.12Paid annual
Payout Ratio
38.5%Sustainable
Payback Period
36.1 yr
Last Ex-Dividend
May 21, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
10.66BCNY1.58B · vs all stocks (USD)
Trailing P/E
5.50xRevenue (TTM)
3.92BCNY581.93M · vs all stocks (USD)
Profit Margin
50.87%Beta
0.1470xvs all stocks
52-Week Change
-4.39%vs all stocks
Market Capitalization
10.66BCNY1.58B · vs all stocks (USD)
Enterprise Value
3.09BCNY458.99M · vs all stocks (USD)
Trailing P/E
5.50xForward P/E
4.61xPEG Ratio
1.26xPrice to Sales (TTM)
2.68xPrice to Book (MRQ)
0.5485xEnterprise to Revenue
0.7890xProfit Margin
50.87%Operating Margin
67.06%Return on Assets (TTM)
0.86%Return on Equity (TTM)
9.58%Revenue (TTM)
3.92BCNY581.93M · vs all stocks (USD)
Revenue per Share (TTM)
1.53CNYUpdated Aug 20, 2026Quarterly Revenue Growth
-5.40%Gross Profit (TTM)
3.92BCNY581.93M · vs all stocks (USD)
EBITDA (TTM)
0.00CNYvs all stocks (USD)
Net Income (TTM)
1.99BCNY296.01M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
2.50%Operating Cash Flow (TTM)
5.07BCNY753.48M · vs all stocks (USD)
Levered Free Cash Flow (TTM)
1.98BCNY293.92M · vs all stocks (USD)
Trailing Annual Dividend Rate
0.1200CNYUpdated Aug 20, 2026Trailing Annual Dividend Yield
2.74%vs all stocks
5-Year Average Dividend Yield
4.37%vs all stocks
Payout Ratio
38.46%Minority Interest (Equity)
174.31MCNYFY2025 · Dec 31, 2025Revenue
4.61BCNYFY2025 · Dec 31, 2025Pre-tax Income
2.25BCNYFY2025 · Dec 31, 2025Income Tax Expense
269.30MCNYFY2025 · Dec 31, 2025Net Income
1.98BCNYFY2025 · Dec 31, 2025Selling, General & Administrative
434.15MCNYFY2025 · Dec 31, 2025Other Operating Expenses
34.40MCNYFY2025 · Dec 31, 2025EPS (Basic)
0.7700CNYFY2025 · Dec 31, 2025EPS (Diluted)
0.7700CNYFY2025 · Dec 31, 2025Basic Shares Outstanding
2.57BSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
2.57BSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
1.98BCNYFY2025 · Dec 31, 2025Minority Interests (P&L)
-2.60MCNYFY2025 · Dec 31, 2025Operating Cash Flow
-11.51BCNYFY2025 · Dec 31, 2025Free Cash Flow
-11.58BCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
6.24BCNYFY2025 · Dec 31, 2025Starting Profit (CF Statement)
1.98BCNYFY2025 · Dec 31, 2025Other Non-cash Items
-959.27MCNYFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
-12.51BCNYFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-30.60MCNYFY2025 · Dec 31, 2025Capital Expenditures
-67.30MCNYFY2025 · Dec 31, 2025Purchase of Investments
-502.51BCNYFY2025 · Dec 31, 2025Sale of Investments
508.72BCNYFY2025 · Dec 31, 2025Net Investing Cash Flow
6.14BCNYFY2025 · Dec 31, 2025Long-term Debt Issuance
16.11BCNYFY2025 · Dec 31, 2025Long-term Debt Payments
-16.50BCNYFY2025 · Dec 31, 2025Common Dividends Paid
-1.02BCNYFY2025 · Dec 31, 2025Other Financing Charges
-25.46MCNYFY2025 · Dec 31, 2025Net Financing Cash Flow
-1.44BCNYFY2025 · Dec 31, 2025Shares Outstanding
2.44BSharesUpdated Aug 20, 2026Float Shares
1.73BSharesUpdated Aug 20, 2026% Held by Insiders
33.43%vs all stocks
% Held by Institutions
12.26%vs all stocks
Total Cash (MRQ)
31.25BCNY4.64B · vs all stocks (USD)
Total Cash per Share (MRQ)
12.79CNYUpdated Aug 20, 2026Total Debt (MRQ)
23.78BCNY3.53B · vs all stocks (USD)
Book Value per Share (MRQ)
7.82CNYUpdated Aug 20, 2026Total Assets
227.24BCNY33.75B · vs all stocks (USD)
Total Liabilities
206.53BCNYFY2025 · Dec 31, 2025Cash
219.81MCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents
12.57BCNYFY2025 · Dec 31, 2025Long-term Debt
6.83BCNYFY2025 · Dec 31, 2025Common Stock (Book)
2.44BCNYFY2025 · Dec 31, 2025Retained Earnings
4.45BCNYFY2025 · Dec 31, 2025Total Shareholders' Equity
20.70BCNY3.08B · vs all stocks (USD)
52-Week Low
3.87CNYUpdated Aug 20, 202652-Week High
4.90CNYUpdated Aug 20, 202652-Week Change
-4.39%vs all stocks
Beta
0.1470xvs all stocks
50-Day MA
4.26CNYUpdated Aug 20, 2026200-Day MA
4.47CNYUpdated Aug 20, 2026Avg 10-Day Volume
23.25MSharesUpdated Aug 20, 2026Avg 30-Day Volume
29.22MSharesUpdated Aug 20, 2026Diluted EPS (TTM)
0.7800CNYUpdated Aug 20, 2026Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
Low earnings qualitySignificant
Earnings Quality Score: -5.63
Supply Chain
Upstream position: supplies 5 industries, depends on 0Notable
Outgoing: 5.00Incoming: 0.00
Scale
Market cap is $1.58B, above the global median of $1.15BNotable
Market cap (USD): 1,582,828,743.653Global Median: 1,146,734,693.424
Revenue is $581.93M, above the global median of $520.53MNotable
Revenue (USD): 581,925,940.654Global Median: 520,528,949.311
Levered free cash flow is $293.92M, above the global median of $16.24MNotable
Levered free cash flow (USD): 293,917,227.54Global Median: 16,239,329.704
Companies that share the same coordination system — how they create, deliver, or capture value.
Hyakugo Bank, Ltd.
Tier 1RiskSpread-Based LeverageFlowRule
XXF Group Holdings Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
Jiangsu Jiangyin Rural Commercial Bank Co. Ltd.
Tier 1RiskSpread-Based LeverageRuleFlow
Metro Bank Holdings PLC
Tier 1RiskSpread-Based LeverageRuleFlow
Lakeland Financial Corporation
Tier 1RiskSpread-Based LeverageFlowRule
Five-Star Business Finance Limited
Tier 1RiskSpread-Based LeverageFlowInterface
Tokyo Kiraboshi Financial Group, Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Origin Bancorp Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
QCR Holdings Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Ngern Tid Lor Public Company Limited
Tier 1RiskSpread-Based LeverageFlowInterface