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How does 002807.SZ make money? Does 002807.SZ have pricing power? What's the Earnings Whisper? Will 002807.SZ profit more as the business scales? What is 002807.SZ's management track record? Is 002807.SZ's current price justified?

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD.

¥4.23 +$0.08 (+1.93%)

SHZ · 15 Sep 2026 07:04 UTC

Previous Close

¥4.29

Day Range

¥4.21¥4.3

Year Range

¥3.65¥4.9

Market Cap

11.44B

AVG Volume

37.22M

Trailing/Forward PE

5.22/5.35

PEG ratio

2.01

Dividend Yield

4.99%

Next Earnings Date

2026-11-04

Primary Exchange

Shenzhen Stock Exchange

Revenue (CNY)

002807.SZ Revenue (CNY) by year
Period	Revenue (CNY)
2025	6.2B
2024	6.99B
2023	7.05B
2022	6.81B
2021	6.25B
2020	6.04B
2019	5.89B
2018	5.47B
2017	4.72B
2016	4.34B

Net Income (CNY)

002807.SZ Net Income (CNY) by year
Period	Net Income (CNY)
2025	2.05B
2024	2.04B
2023	1.89B
2022	1.62B
2021	1.27B
2020	1.06B
2019	1.01B
2018	857.35M
2017	808.45M
2016	777.93M

Operating Income (CNY)

002807.SZ Operating Income (CNY) by year
Period	Operating Income (CNY)
2025	2.34B
2024	2.17B
2023	2.07B
2022	1.68B
2021	1.32B
2020	1.11B
2019	1.11B
2018	605.76M
2017	772.08M
2016	833.3M

EBITDA (CNY)

002807.SZ EBITDA (CNY) by year
Period	EBITDA (CNY)
2025	1.86B
2024	2.17B
2023	2.16B
2022	1.72B
2021	1.37B
2020	1.11B
2019	1.11B
2018	605.76M
2017	819.06M
2016	928.74M

Cash Flows (CNY)

002807.SZ Cash Flows (CNY) by year
Period	Cash Flows (CNY)
2025	5.39B
2024	3.45B
2023	-1.82B
2022	116.74M
2021	3.9B
2020	3.19B
2019	11.32B
2018	-12.2B
2017	1.83B
2016	14.06B

EPS (CNY)

002807.SZ EPS (CNY) by year
Period	EPS (CNY)
2025	0.84
2024	0.78
2023	0.73
2022	0.7
2021	0.55
2020	0.47
2019	0.5
2018	0.4
2017	0.38
2016	0.41

Expenses (CNY)

002807.SZ Expenses (CNY) by year
Period	Expenses (CNY)
2025	307.23M
2024	593.46M
2023	518.42M
2022	628.66M
2021	515.99M
2020	153.3M
2019	171.63M
2018	320.89M
2017	667.3M
2016	564.08M

Cash & Debt (CNY)

002807.SZ Cash & Debt (CNY) by year
Period	Cash & Debt (CNY)
2025	43.76B
2024	10.02B
2023	9.86B
2022	10.33B
2021	10.65B
2020	11.48B
2019	11.89B
2018	13.02B
2017	11.5B
2016	13.28B

Debt ratios

002807.SZ Debt ratios by year
Period	Debt ratios
2025	-5.03
2024	-0.84
2023	-0.19
2022	-0.35
2021	-0.8
2020	-0.22
2019	-1.72
2018	-0.19

Margins

002807.SZ Margins by year
Period	Margins
2025	65.1%
2024	55.56%
2023	53.87%
2022	54.64%
2021	52.71%
2020	55.1%
2019	57.75%
2018	57.18%
2017	52.3%
2016	56.13%

Return on Capital

002807.SZ Return on Capital by year
Period	Return on Capital
2025	10.33%
2024	10.8%
2023	11.74%
2022	11.21%
2021	9.67%
2020	8.62%
2019	8.53%
2018	8.02%
2017	8.64%
2016	8.63%

Shares Outstanding

002807.SZ Shares Outstanding by year
Period	Shares Outstanding
2025	2.46B
2024	2.44B
2023	2.17B
2022	2.17B
2021	2.17B
2020	2.17B
2019	2.03B
2018	2.12B
2017	2.12B
2016	1.95B

Dividends (CNY)

002807.SZ Dividends (CNY) by year
Period	Dividends (CNY)
2026	0.12
2025	0.27
2024	0.17
2023	0.16
2022	0.16
2021	0.16
2020	0.16
2019	0.03
2018	0.08
2017	0.12

Book Value Per Share (CNY)

002807.SZ Book Value Per Share (CNY) by year
Period	Book Value Per Share (CNY)
2025	8.06
2024	7.74
2023	7.4
2022	6.64
2021	6.06
2020	5.65
2019	5.86
2018	5.04
2017	4.41
2016	4.61

Total Assets (CNY)

002807.SZ Total Assets (CNY) by year
Period	Total Assets (CNY)
2025	219.3B
2024	200.23B
2023	186.03B
2022	168.75B
2021	153.13B
2020	142.79B
2019	126.34B
2018	114.92B
2017	109.4B
2016	104.08B

PE Ratio

002807.SZ PE Ratio by year
Period	PE Ratio
Sep 26	6.06
Sep 26	5.96
Sep 26	5.96
Aug 26	5.71
Aug 26	5.66
Aug 26	4.65
Aug 26	4.76
Jul 26	4.96
Jul 26	4.69
Jul 26	4.71
Jul 26	4.61
Jul 26	4.6
Jun 26	4.54
Jun 26	4.71
Jun 26	4.9
Jun 26	4.73
May 26	4.76
May 26	4.83
May 26	4.86
May 26	4.9
Apr 26	5
Apr 26	5.02
Apr 26	5.1
Apr 26	4.97
Apr 26	4.91
Mar 26	4.62
Mar 26	4.66
Mar 26	4.78
Mar 26	4.66
Feb 26	4.69
Feb 26	4.7
Feb 26	4.78
Jan 26	4.67
Jan 26	4.62
Jan 26	4.56
Jan 26	4.67
Dec 25	4.67
Dec 25	4.83
Dec 25	4.89
Dec 25	4.77
Dec 25	4.95
Nov 25	5
Nov 25	4.97
Nov 25	5.19
Nov 25	5.2
Oct 25	4.93
Oct 25	5.21
Oct 25	5.05
Oct 25	4.64
Sep 25	4.62
Sep 25	4.94
Sep 25	5.03
Sep 25	5.31
Sep 25	5.25
Aug 25	5.25
Aug 25	5.43
Aug 25	5.07
Aug 25	5.18
Aug 25	5.12
Jul 25	5.18
Jul 25	5.36
Jul 25	5.44
Jul 25	5.42
Jun 25	5.22
Jun 25	5.35
Jun 25	5.11
Jun 25	5.05
May 25	4.97
May 25	4.8
May 25	4.71
May 25	4.63
Apr 25	4.51
Apr 25	4.82
Apr 25	4.76
Apr 25	4.55
Apr 25	4.93
Mar 25	4.84
Mar 25	4.81
Mar 25	4.77
Mar 25	4.72
Feb 25	4.73
Feb 25	4.81
Feb 25	4.87
Feb 25	4.92
Jan 25	4.96
Jan 25	4.89
Jan 25	4.91
Jan 25	4.71
Jan 25	4.77
Dec 24	4.99
Dec 24	4.83
Dec 24	4.94
Dec 24	4.89
Nov 24	4.8
Nov 24	4.69
Nov 24	4.72
Nov 24	4.77
Nov 24	4.59
Oct 24	4.72
Oct 24	4.79

Free Cash Flow Yield

002807.SZ Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	84.28%
Sep 26	85.68%
Sep 26	85.68%
Aug 26	89.49%
Aug 26	90.16%
Aug 26	10.39%
Aug 26	10.16%
Jul 26	9.74%
Jul 26	10.31%
Jul 26	10.26%
Jul 26	10.48%
Jul 26	10.5%
Jun 26	57.96%
Jun 26	55.89%
Jun 26	53.7%
Jun 26	55.6%
May 26	55.32%
May 26	54.5%
May 26	54.09%
May 26	53.7%
Apr 26	52.66%
Apr 26	52.41%
Apr 26	51.55%
Apr 26	52.92%
Apr 26	53.56%
Mar 26	42.4%
Mar 26	42.09%
Mar 26	41%
Mar 26	42.09%
Feb 26	41.79%
Feb 26	41.69%
Feb 26	41%
Jan 26	41.99%
Jan 26	42.4%
Jan 26	43.02%
Jan 26	41.99%
Dec 25	41.99%
Dec 25	-15.53%
Dec 25	-15.31%
Dec 25	-15.71%
Dec 25	-15.13%
Nov 25	-15%
Nov 25	-15.06%
Nov 25	-14.44%
Nov 25	-14.4%
Oct 25	-15.2%
Oct 25	-14.37%
Oct 25	-14.83%
Oct 25	-16.14%
Sep 25	-16.22%
Sep 25	107.89%
Sep 25	105.82%
Sep 25	100.31%
Sep 25	101.46%
Aug 25	101.46%
Aug 25	98.08%
Aug 25	105.07%
Aug 25	102.87%
Aug 25	104.08%
Jul 25	102.87%
Jul 25	99.4%
Jul 25	97.86%
Jul 25	98.3%
Jun 25	32.47%
Jun 25	31.67%
Jun 25	33.16%
Jun 25	33.55%
May 25	34.11%
May 25	35.31%
May 25	35.93%
May 25	36.58%
Apr 25	37.55%
Apr 25	35.13%
Apr 25	35.57%
Apr 25	37.26%
Apr 25	34.36%
Mar 25	56%
Mar 25	56.3%
Mar 25	56.74%
Mar 25	57.35%
Feb 25	57.19%
Feb 25	56.3%
Feb 25	55.57%
Feb 25	55%
Jan 25	54.59%
Jan 25	55.43%
Jan 25	55.15%
Jan 25	57.5%
Jan 25	56.74%
Dec 24	14.89%
Dec 24	15.39%
Dec 24	15.04%
Dec 24	15.19%
Nov 24	15.47%
Nov 24	15.84%
Nov 24	15.76%
Nov 24	15.59%
Nov 24	16.19%
Oct 24	15.76%
Oct 24	15.51%

Price to Sales

002807.SZ Price to Sales by year
Period	Price to Sales
Sep 26	2.23
Sep 26	2.2
Sep 26	2.2
Aug 26	2.1
Aug 26	2.09
Aug 26	1.54
Aug 26	1.58
Jul 26	1.64
Jul 26	1.55
Jul 26	1.56
Jul 26	1.53
Jul 26	1.53
Jun 26	1.5
Jun 26	1.56
Jun 26	1.62
Jun 26	1.56
May 26	1.57
May 26	1.6
May 26	1.61
May 26	1.62
Apr 26	1.65
Apr 26	1.66
Apr 26	1.69
Apr 26	1.64
Apr 26	1.62
Mar 26	1.6
Mar 26	1.61
Mar 26	1.66
Mar 26	1.61
Feb 26	1.63
Feb 26	1.63
Feb 26	1.66
Jan 26	1.62
Jan 26	1.6
Jan 26	1.58
Jan 26	1.62
Dec 25	1.62
Dec 25	1.46
Dec 25	1.48
Dec 25	1.45
Dec 25	1.5
Nov 25	1.52
Nov 25	1.51
Nov 25	1.57
Nov 25	1.58
Oct 25	1.5
Oct 25	1.58
Oct 25	1.53
Oct 25	1.41
Sep 25	1.4
Sep 25	1.44
Sep 25	1.47
Sep 25	1.55
Sep 25	1.53
Aug 25	1.53
Aug 25	1.58
Aug 25	1.48
Aug 25	1.51
Aug 25	1.49
Jul 25	1.51
Jul 25	1.56
Jul 25	1.59
Jul 25	1.58
Jun 25	1.52
Jun 25	1.56
Jun 25	1.49
Jun 25	1.47
May 25	1.45
May 25	1.4
May 25	1.37
May 25	1.35
Apr 25	1.31
Apr 25	1.4
Apr 25	1.39
Apr 25	1.32
Apr 25	1.44
Mar 25	1.35
Mar 25	1.34
Mar 25	1.33
Mar 25	1.32
Feb 25	1.32
Feb 25	1.34
Feb 25	1.36
Feb 25	1.37
Jan 25	1.38
Jan 25	1.36
Jan 25	1.37
Jan 25	1.31
Jan 25	1.33
Dec 24	1.37
Dec 24	1.32
Dec 24	1.35
Dec 24	1.34
Nov 24	1.31
Nov 24	1.28
Nov 24	1.29
Nov 24	1.3
Nov 24	1.26
Oct 24	1.29
Oct 24	1.31

EV/EBITDA

002807.SZ EV/EBITDA by year
Period	EV/EBITDA
Sep 26	12.55
Sep 26	12.47
Sep 26	12.47
Aug 26	12.26
Aug 26	12.23
Aug 26	-15.54
Aug 26	-15.42
Jul 26	-15.2
Jul 26	-15.5
Jul 26	-15.48
Jul 26	-15.58
Jul 26	-15.59
Jun 26	-16.39
Jun 26	-16.2
Jun 26	-15.99
Jun 26	-16.17
May 26	-16.15
May 26	-16.07
May 26	-16.03
May 26	-15.99
Apr 26	-15.88
Apr 26	-15.86
Apr 26	-15.76
Apr 26	-15.91
Apr 26	-15.98
Mar 26	9.96
Mar 26	10
Mar 26	10.13
Mar 26	10
Feb 26	10.04
Feb 26	10.05
Feb 26	10.13
Jan 26	10.01
Jan 26	9.96
Jan 26	9.89
Jan 26	10.01
Dec 25	10.01
Dec 25	10.33
Dec 25	10.39
Dec 25	10.28
Dec 25	10.44
Nov 25	10.48
Nov 25	10.46
Nov 25	10.65
Nov 25	10.66
Oct 25	10.42
Oct 25	10.67
Oct 25	10.53
Oct 25	10.17
Sep 25	10.15
Sep 25	1.51
Sep 25	1.59
Sep 25	1.85
Sep 25	1.79
Aug 25	1.79
Aug 25	1.96
Aug 25	1.63
Aug 25	1.73
Aug 25	1.67
Jul 25	1.73
Jul 25	1.89
Jul 25	1.97
Jul 25	1.95
Jun 25	2.04
Jun 25	2.16
Jun 25	1.94
Jun 25	1.88
May 25	1.8
May 25	1.65
May 25	1.57
May 25	1.49
Apr 25	1.38
Apr 25	1.67
Apr 25	1.61
Apr 25	1.41
Apr 25	1.77
Mar 25	8.08
Mar 25	8.06
Mar 25	8.02
Mar 25	7.98
Feb 25	7.99
Feb 25	8.06
Feb 25	8.12
Feb 25	8.16
Jan 25	8.19
Jan 25	8.13
Jan 25	8.15
Jan 25	7.97
Jan 25	8.02
Dec 24	3.14
Dec 24	2.99
Dec 24	3.09
Dec 24	3.05
Nov 24	2.97
Nov 24	2.87
Nov 24	2.89
Nov 24	2.94
Nov 24	2.78
Oct 24	2.89
Oct 24	2.96

Price/Operating Cashflow

002807.SZ Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	1.16
Sep 26	1.14
Sep 26	1.14
Aug 26	1.09
Aug 26	1.08
Aug 26	7.37
Aug 26	7.54
Jul 26	7.86
Jul 26	7.43
Jul 26	7.47
Jul 26	7.32
Jul 26	7.3
Jun 26	1.63
Jun 26	1.69
Jun 26	1.76
Jun 26	1.7
May 26	1.71
May 26	1.74
May 26	1.75
May 26	1.76
Apr 26	1.8
Apr 26	1.8
Apr 26	1.83
Apr 26	1.79
Apr 26	1.77
Mar 26	2.24
Mar 26	2.25
Mar 26	2.31
Mar 26	2.25
Feb 26	2.27
Feb 26	2.28
Feb 26	2.31
Jan 26	2.26
Jan 26	2.24
Jan 26	2.21
Jan 26	2.26
Dec 25	2.26
Sep 25	0.91
Sep 25	0.93
Sep 25	0.98
Sep 25	0.97
Aug 25	0.97
Aug 25	1
Aug 25	0.93
Aug 25	0.95
Aug 25	0.94
Jul 25	0.95
Jul 25	0.99
Jul 25	1
Jul 25	1
Jun 25	2.88
Jun 25	2.96
Jun 25	2.82
Jun 25	2.79
May 25	2.74
May 25	2.65
May 25	2.61
May 25	2.56
Apr 25	2.49
Apr 25	2.67
Apr 25	2.63
Apr 25	2.51
Apr 25	2.72
Mar 25	1.7
Mar 25	1.69
Mar 25	1.68
Mar 25	1.66
Feb 25	1.67
Feb 25	1.69
Feb 25	1.71
Feb 25	1.73
Jan 25	1.74
Jan 25	1.72
Jan 25	1.73
Jan 25	1.66
Jan 25	1.68
Dec 24	5.91
Dec 24	5.72
Dec 24	5.85
Dec 24	5.79
Nov 24	5.69
Nov 24	5.56
Nov 24	5.59
Nov 24	5.65
Nov 24	5.44
Oct 24	5.59
Oct 24	5.68
Oct 24	5.5
Sep 24	5.79
Sep 23	93.95
Sep 23	92.87
Sep 23	92.33
Sep 23	91.25
Aug 23	94.48
Aug 23	95.83
Aug 23	96.37
Aug 23	99.06
Jul 23	95.56
Jul 23	91.79
Jul 23	90.99

Price to Book

002807.SZ Price to Book by year
Period	Price to Book
Sep 26	0.62
Sep 26	0.61
Sep 26	0.61
Aug 26	0.58
Aug 26	0.58
Aug 26	0.48
Aug 26	0.49
Jul 26	0.51
Jul 26	0.48
Jul 26	0.48
Jul 26	0.47
Jul 26	0.47
Jun 26	0.47
Jun 26	0.49
Jun 26	0.51
Jun 26	0.49
May 26	0.49
May 26	0.5
May 26	0.5
May 26	0.51
Apr 26	0.52
Apr 26	0.52
Apr 26	0.53
Apr 26	0.51
Apr 26	0.51
Mar 26	0.52
Mar 26	0.53
Mar 26	0.54
Mar 26	0.53
Feb 26	0.53
Feb 26	0.53
Feb 26	0.54
Jan 26	0.53
Jan 26	0.52
Jan 26	0.51
Jan 26	0.53
Dec 25	0.53
Dec 25	0.54
Dec 25	0.55
Dec 25	0.54
Dec 25	0.56
Nov 25	0.56
Nov 25	0.56
Nov 25	0.58
Nov 25	0.58
Oct 25	0.55
Oct 25	0.59
Oct 25	0.57
Oct 25	0.52
Sep 25	0.52
Sep 25	0.53
Sep 25	0.54
Sep 25	0.57
Sep 25	0.56
Aug 25	0.56
Aug 25	0.58
Aug 25	0.54
Aug 25	0.55
Aug 25	0.55
Jul 25	0.55
Jul 25	0.57
Jul 25	0.58
Jul 25	0.58
Jun 25	0.56
Jun 25	0.58
Jun 25	0.55
Jun 25	0.55
May 25	0.54
May 25	0.52
May 25	0.51
May 25	0.5
Apr 25	0.49
Apr 25	0.52
Apr 25	0.51
Apr 25	0.49
Apr 25	0.53
Mar 25	0.53
Mar 25	0.53
Mar 25	0.52
Mar 25	0.52
Feb 25	0.52
Feb 25	0.53
Feb 25	0.53
Feb 25	0.54
Jan 25	0.54
Jan 25	0.53
Jan 25	0.54
Jan 25	0.52
Jan 25	0.52
Dec 24	0.56
Dec 24	0.54
Dec 24	0.55
Dec 24	0.55
Nov 24	0.54
Nov 24	0.52
Nov 24	0.53
Nov 24	0.53
Nov 24	0.51
Oct 24	0.53
Oct 24	0.53

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AI Analysis

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD.

Video analysis: 002807.SZ

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