What is Jiangsu Zijin Rural Commercial Bank Co.,Ltd's (601860.SS) StockRank?

MoatMap's StockRank for Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) is 30/100, with a Sell signal. This is a composite score combining Quality (32), Value (53), and Momentum (36) factor ranks across MoatMap's 20,000+ stock universe.

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

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) has a Quality factor score of 32/100. 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 Zijin Rural Commercial Bank Co.,Ltd a buy, hold, or sell?

MoatMap's current signal for Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) is Sell, based on a StockRank of 30/100. 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 Zijin Rural Commercial Bank Co.,Ltd in?

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) operates in the Financial Services sector, specifically the Banks - Regional industry (China).

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601860.SS

SELLREMOVE

Jiangsu Zijin Rural Commercial Bank Co.,Ltd · Financial Services · China · $1.4B · Avg Vol: $13M/d

StockRank

P/E (TTM)

8.6x

ROE

6.1%

D/E

—

Dividend %

3.7%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

A regional Chinese rural commercial bank with high exposure to local real estate and agricultural credit risks. It lacks a durable economic moat and offers no asymmetric macro upside.

COMPANY DESCRIPTION

Jiangsu Zijin Rural Commercial Bank Co., Ltd. provides regional commercial banking services, focusing on agricultural finance, small and medium enterprises (SMEs), and retail clients in Nanjing and surrounding areas. The bank leverages its deep local roots and extensive branch network to capture high-yield lending opportunities in one of China's wealthiest provinces. Its strategic focus on inclusive finance drives steady asset growth and stable interest margins.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	648.0M	638.2M	645.2M	593.9M	-2.9%
EPS	0.07	0.07	0.07	0.05	-8.2%
Shares	3.7B	3.7B	3.7B	3.7B	+0.0%
Debt	2.3B	2.3B	3.1B	2.3B	-0.7%
Equity	2.5B	2.7B	2.9B	3.0B	5.9%
Op CF	968.8M	863.3M	480.4M	2.7B	41.3%
Inv CF	400.8M	-1.1B	-134.6M	-1.5B	—
Fin CF	-1.3B	-102.2M	731.9M	-733.1M	—

PRICE (1Y)-4.6%

SMA 50SMA 200

$0.37

RSI (14)

46.7

52W High

$0.48

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.4%*20.8

ROE

6.1%26.9

GP/Assets

1.1%7.3

Op. Margin

57.9%78.6

FCF/Assets

—N/A

Piotroski

565.9

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

8.6x76.3

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.5x92.2

P/S

3.2x55.1

Div Yield

3.7%53.7

Momentum

52W High %

78%25.2

RS 6M

-13%31.6

SMA 50/200

0.96x22.5

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+61%76.7

Q Growth

2%32.3

FUNDAMENTALS

Market Cap

$1.4B

P/E (Forward)

5.3x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 601860.SS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
601860.SS	Jiangsu Zijin Rural Commercial Bank Co.,Ltd(you)	$1.4B	30	SELL
603323.SS	Jiangsu Suzhou Rural Commercial Bank Co., Ltd	$1.4B	33	SELL
600908.SS	Wuxi Rural Commercial Bank Co.,Ltd	$1.7B	32	SELL
1578.HK	Bank of Tianjin Co., Ltd.	$1.7B	33	SELL
002807.SZ	Jiangsu Jiangyin Rural Commercial Bank Co.,LTD.	$1.6B	35	SELL
002839.SZ	Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd	$1.5B	38	HOLD
1216.HK	Zhongyuan Bank Co., Ltd.	$1.4B	20	STRONG SELL
6196.HK	Bank of Zhengzhou Co., Ltd.	$1.1B	23	SELL
601528.SS	Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd	$1.3B	18	STRONG SELL
601187.SS	Xiamen Bank Co., Ltd.	$2.9B	31	SELL

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

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) — Stock Score Summary

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) has a MoatMap StockRank of 30/100 based on Quality (32/100), Value (53/100), and Momentum (36/100) factor scores. The current signal is SELL. A regional Chinese rural commercial bank with high exposure to local real estate and agricultural credit risks. It lacks a durable economic moat and offers no asymmetric macro upside.

Key Financial Metrics

Price	$0.37
Market Cap	$1.4B
P/E (TTM)	8.61
P/E (Forward)	5.34
Price/Book	0.46
Return on Equity	6.1%
Gross Margin	0.0%
Operating Margin	57.9%
Revenue Growth	4.4%
Dividend Yield	3.7%

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

Frequently Asked Questions

What is Jiangsu Zijin Rural Commercial Bank Co.,Ltd’s (601860.SS) StockRank?: MoatMap’s StockRank for Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) is 30/100, with a Sell signal. It is a composite of Quality (32), Value (53), and Momentum (36) factor ranks across MoatMap’s 20,000+ stock universe.
Does Jiangsu Zijin Rural Commercial Bank Co.,Ltd have an economic moat?: Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) has a Quality factor score of 32/100. 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 Zijin Rural Commercial Bank Co.,Ltd a buy, hold, or sell?: MoatMap’s current signal for Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) is Sell, based on a StockRank of 30/100. 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 Zijin Rural Commercial Bank Co.,Ltd in?: Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) operates in the Financial Services sector, specifically the Banks - Regional industry (China).