Breaking Down Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. Financial Health: Key Insights for Investors

Jiangsu Jiangyin Rural Commercial Bank's first-half 2025 performance demands attention: operating revenue reached 2.4 billion yuan (up 10.5% YoY), net profit attributable to shareholders hit 850 million yuan (up 16.6% YoY), non-interest income surged 30.3% YoY while investment income climbed to 1.2 billion yuan (+30%) with wealth-management sales skyrocketing 155%, the cost-to-income ratio improved to 23.7% (down 2.7 p.p.), net interest margin showed a counter-trend improvement, TTM ROE rose to 11.31% from a 9.88% historical average, TTM net profit margin is 61.15%, EPS for the latest quarter was 0.18 yuan with a P/E of 5.28, operating cash flow totaled 3.69 billion yuan, market cap stands at 11.32 billion yuan and the stock closed at 4.600 yuan on December 12, 2025 with a 4.35% dividend yield (ex-dividend date December 3, 2025); forecasts point to ~9.3% annual earnings growth and ~9.6% revenue growth with ROE targeted at 11.6% in three years as the bank scales wealth management and digital channels - read on for the full chapter-by-chapter financial breakdown and what these figures mean for investors.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) - Revenue Analysis

• Operating revenue (H1 2025): 2.4 billion yuan - +10.5% year‑on‑year.
• Net profit attributable to shareholders (H1 2025): 850 million yuan - +16.6% year‑on‑year.
• Non‑interest income growth: +30.3% year‑on‑year, a major contributor to revenue acceleration.
• Investment income (H1 2025): 1.2 billion yuan - +30.0% year‑on‑year; wealth management products sold on behalf of others expanded by 155% in scale.
• Cost‑to‑income ratio improved to 23.7%, down 2.7 percentage points versus prior year, reflecting operating leverage.
• Net interest margin: showed counter‑trend improvement, indicating effective interest rate and asset‑liability management.

• Fee and commission expansion: substantial non‑interest income growth from wealth management distribution, service fees and transaction commissions.
• Investment portfolio returns: 1.2 billion yuan of investment income reflecting higher yields and active portfolio rotation.
• Operating efficiency: lower cost‑to‑income ratio achieved through expense control and digitalization of distribution channels.
• Interest income management: proactive repricing and asset mix adjustments produced a resilient net interest margin despite broader market pressures.

• Stronger fee income reduces reliance on NIM and enhances earnings stability.
• Rapid expansion in third‑party wealth business (155% scale growth) increases non‑interest revenue streams but requires monitoring of product risk and regulatory treatment.
• Improved cost efficiency (23.7% C/I) suggests potential for higher operating leverage if revenue growth is sustained.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) - Profitability Metrics

• Return on Equity (TTM, Jun 2025): 11.31% (vs. historical average 9.88%).
• Weighted average ROAE (H1 2025): 8.98%, up 0.5 percentage points year-on-year.
• Net profit margin (TTM): 61.15%.
• Earnings per Share (latest quarter): ¥0.18; Price-to-Earnings (P/E): 5.28.
• Operating cash flow: ¥3.69 billion - materially higher than reported net income, indicating strong cash conversion from core operations.

• Implications for investors:
  • Elevated ROE vs. historical average signals improving capital efficiency.
  • High net profit margin supports resilient profitability even if revenue growth moderates.
  • Strong operating cash flow provides flexibility for lending growth, provisions, or shareholder returns.
  • Low P/E relative to EPS could indicate valuation support, subject to credit and asset-quality considerations.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) Debt vs. Equity Structure

Key metrics and observations regarding the bank's debt and equity profile based on available data.

• Total debt-to-equity ratio: 0.00% (indicates no debt financing reported).
• Capital adequacy ratio (CAR): Not specified in available data.
• Equity capital: Not specified in available data.
• Leverage ratio: Not specified in available data.
• Debt-to-assets ratio: Not specified in available data.
• Equity-to-assets ratio: Not specified in available data.

For further context on ownership and investor activity, see: Exploring Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. Investor Profile: Who's Buying and Why?

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) - Liquidity and Solvency

Available public disclosures for Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) lack several standard granular liquidity and solvency ratios investors commonly use. Below are the specific metrics and their availability status, followed by contextual points investors should consider when assessing the bank's financial health.

• Key on‑balance-sheet liquidity metrics (LCR, NSFR) - not reported in the available data.
• Credit quality metrics such as NPL ratio and provision coverage - not reported in the available data.
• Structural funding ratios (loan‑to‑deposit, quick ratio) - not reported in the available data.

• Given those gaps, investors should prioritize primary sources: the bank's latest annual and interim reports, regulatory filings to the CBIRC or Shenzhen exchange, and audited financial statements.
• When metrics are missing, proxy checks include: trends in total loans vs. deposits, changes in loan loss provisions, core capital movement, and cash/short‑term investment balances on the balance sheet.
• Cross‑reference market commentary and the bank's investor presentation for qualitative liquidity commentary (deposit stickiness, access to interbank funding, and contingent liquidity lines).

For a broader investor perspective and ownership trends related to this issuer, see: Exploring Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. Investor Profile: Who's Buying and Why?

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) Valuation Analysis

• Market capitalization: 11.32 billion yuan.
• Stock price (as of 2025-12-12): 4.600 yuan.
• Price-to-earnings (P/E) ratio: 5.28.
• Dividend yield: 4.35% (ex-dividend date: 2025-12-03).
• Price-to-book (P/B): not specified in available data.
• Earnings yield: not specified in available data.
• Price-to-sales (P/S): not specified in available data.

• Interpretation pointers:
  • Low P/E (5.28) suggests earnings are valued cheaply versus price; investigate sustainability of earnings and asset quality.
  • Dividend yield of 4.35% is attractive for income-focused investors; confirm payout ratio and dividend sustainability from latest reports.
  • Missing P/B, P/S and explicit earnings-yield data require checking balance-sheet book value, revenue figures, and company disclosures for fuller valuation context.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) Risk Factors

Investors assessing Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) should weigh several risk dimensions. Available public disclosures and source data do not specify quantified exposures for several core risk categories; this lack of granular disclosure itself represents an informational risk for market participants.

• Non-performing loans (NPLs): exposure not specified in the available data.
• Interest rate risk: exposure not specified in the available data.
• Credit risk: exposure not specified in the available data.
• Liquidity risk: exposure not specified in the available data.
• Operational risk: exposure not specified in the available data.
• Market risk: exposure not specified in the available data.

Key implications for investors include limited transparency on asset quality, sensitivity to macroeconomic and policy shifts, and reliance on periodic regulatory filings and bank disclosures to fill gaps. For context on the bank's stated strategic direction, see the bank's broader mission and vision materials: Mission Statement, Vision, & Core Values (2026) of Jiangsu Jiangyin Rural Commercial Bank Co.,LTD.

• Investor action items:
  • Monitor upcoming quarterly/annual reports and regulatory filings for NPL, LCR, CAR, and provisioning metrics.
  • Request or review investor presentations and management commentary for asset-quality and interest-rate sensitivity disclosures.
  • Consider third-party credit research and local regulator statements to supplement limited public disclosure.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) - Growth Opportunities

• Forecast revenue CAGR: 9.6% p.a.
• Forecast net profit (earnings) CAGR: 9.3% p.a.
• EPS CAGR: 9.3% p.a.
• Targeted/forecasted ROE in three years: 11.6%

• Wealth management expansion - scale of wealth management products sold on behalf of others increased by 155%, lifting fee income potential and cross-sell opportunities.
• Digital banking enhancement - upgrades to online and mobile platforms aimed at broader customer acquisition, retention and lower-cost servicing.
• Targeted credit support - increased lending to priority regional sectors (grain cultivation, agricultural machinery, smart agriculture) to deepen client relationships and capture specialized lending spreads.

• Fee income diversification via wealth management growth can raise non-interest income share and improve NIM stability.
• Digital platform investments aim to reduce cost-to-serve and accelerate customer acquisition - supporting revenue durability consistent with the ~9-10% CAGR assumptions.
• Sector-focused credit allocation (agriculture, machinery, smart ag) aligns with regional development policy, potentially lowering credit friction and improving asset quality if execution is disciplined.