What is Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd's (002839.SZ) StockRank?

MoatMap's StockRank for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) is 38/100, with a Hold signal. This is a composite score combining Quality (37), Value (59), and Momentum (32) factor ranks across MoatMap's 20,000+ stock universe.

Does Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd have an economic moat?

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) has a Quality factor score of 37/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd a buy, hold, or sell?

MoatMap's current signal for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) is Hold, based on a StockRank of 38/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd in?

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) operates in the Financial Services sector, specifically the Banks - Regional industry (China).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

002839.SZ

HOLDREMOVE

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd · Financial Services · China · $1.5B · Avg Vol: $12M/d

StockRank

P/E (TTM)

5.5x

ROE

9.6%

D/E

—

Dividend %

5.1%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Jiangsu Zhangjiagang Rural Commercial Bank is a small regional Chinese bank. It is highly exposed to local real estate and SME credit risks, with no global macro tailwinds or competitive advantages.

COMPANY DESCRIPTION

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. provides a wide range of retail and corporate banking services, primarily targeting micro, small, and medium-sized enterprises (MSMEs) in Zhangjiagang City. The bank leverages its deep local roots and specialized credit assessment models to maintain a strong market share in one of China's most economically vibrant industrial hubs. It is characterized by its focus on inclusive finance and stable regional asset quality.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	696.5M	649.5M	676.0M	681.4M	-0.7%
EPS	0.11	0.12	0.12	0.11	1.8%
Shares	2.2B	2.2B	2.4B	2.4B	+12.7%
Debt	1.7B	1.7B	1.2B	1.0B	-16.0%
Equity	2.3B	2.5B	2.9B	3.0B	9.7%
Op CF	1.1B	265.3M	-62.0M	-478.8M	-76.5%
Inv CF	-723.9M	-737.7M	385.6M	907.0M	—
Fin CF	-156.4M	529.7M	-374.2M	-212.8M	—

PRICE (1Y)-6.4%

SMA 50SMA 200

$0.60

RSI (14)

40.3

52W High

$0.70

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.9%*35.0

ROE

9.6%46.7

GP/Assets

1.7%17.6

Op. Margin

67.1%84.0

FCF/Assets

—N/A

Piotroski

446.1

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

5.5x90.9

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.5x89.2

P/S

2.7x64.6

Div Yield

5.1%69.7

Momentum

52W High %

85%35.4

RS 6M

-20%21.8

SMA 50/200

0.99x29.4

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+19%46.5

Q Growth

3%33.8

FUNDAMENTALS

Market Cap

$1.5B

P/E (Forward)

4.6x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 002839.SZ are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
002839.SZ	Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd(you)	$1.5B	38	HOLD
002807.SZ	Jiangsu Jiangyin Rural Commercial Bank Co.,LTD.	$1.6B	35	SELL
603323.SS	Jiangsu Suzhou Rural Commercial Bank Co., Ltd	$1.4B	33	SELL
1578.HK	Bank of Tianjin Co., Ltd.	$1.7B	33	SELL
600908.SS	Wuxi Rural Commercial Bank Co.,Ltd	$1.7B	32	SELL
601860.SS	Jiangsu Zijin Rural Commercial Bank Co.,Ltd	$1.4B	30	SELL
601997.SS	Bank of Guiyang Co.,Ltd.	$2.9B	39	HOLD
1216.HK	Zhongyuan Bank Co., Ltd.	$1.4B	20	STRONG SELL
601187.SS	Xiamen Bank Co., Ltd.	$2.9B	31	SELL
6196.HK	Bank of Zhengzhou Co., Ltd.	$1.1B	23	SELL

Peer medians: ROE 8.2% · P/E 8.3x · Gross margin 36.1%

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) — Stock Score Summary

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) has a MoatMap StockRank of 38/100 based on Quality (37/100), Value (59/100), and Momentum (32/100) factor scores. The current signal is HOLD. Jiangsu Zhangjiagang Rural Commercial Bank is a small regional Chinese bank. It is highly exposed to local real estate and SME credit risks, with no global macro tailwinds or competitive advantages.

Key Financial Metrics

Price	$0.60
Market Cap	$1.5B
P/E (TTM)	5.49
P/E (Forward)	4.60
Price/Book	0.55
Return on Equity	9.6%
Gross Margin	0.0%
Operating Margin	67.1%
Revenue Growth	-5.4%
Dividend Yield	5.1%

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd operates in the Banks - Regional industry, part of the Financial Services sector (China).

Frequently Asked Questions

What is Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd’s (002839.SZ) StockRank?: MoatMap’s StockRank for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) is 38/100, with a Hold signal. It is a composite of Quality (37), Value (59), and Momentum (32) factor ranks across MoatMap’s 20,000+ stock universe.
Does Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd have an economic moat?: Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) has a Quality factor score of 37/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd a buy, hold, or sell?: MoatMap’s current signal for Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) is Hold, based on a StockRank of 38/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd in?: Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ) operates in the Financial Services sector, specifically the Banks - Regional industry (China).