Jiangsu Changshu Rural Commercial Bank Co., Ltd. (SHA:601128)

China · Delayed Price · Currency is CNY

6.22

+0.05 (0.81%)

Oct 29, 2026, 11:29 AM CST

SHA:601128 Financials Overview

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	9,496	9,430	8,931	7,746	6,813	5,922
Revenue Growth	1.67%	5.59%	15.30%	13.70%	15.04%	16.17%
Net Income	4,429	4,219	3,813	3,282	2,744	2,188
Earnings Per Share	0.96	0.92	0.85	0.74	0.71	0.60
EPS Growth	6.62%	8.74%	14.74%	4.32%	18.01%	21.34%

Revenue by Segment

Fiscal Year	FY 2025
Period Ending	Dec '25 Dec 31, 2025
Corporate Banking Services	2,885
Personal Banking	4,913
Capital business	1,657
Others	59.55
Total	9,515

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	31,491	37,332	31,171	33,922	26,250	30,029
Total Debt	48,671	45,172	36,790	42,618	38,734	32,409
Net Cash (Debt)	-17,180	-7,840	-5,619	-8,696	-12,484	-2,380
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-3.59	-1.64	-1.20	-1.86	-3.18	-0.65

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-7,791	18,363	18,159	16,369	13,154	-1,688
Capital Expenditures	-314.61	-435.38	-334.28	-514.61	-571.37	-398.89
Free Cash Flow	-8,105	17,927	17,824	15,855	12,582	-2,086
Free Cash Flow Growth	-	0.58%	12.42%	26.01%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	46.64%	44.74%	42.70%	42.36%	40.27%	36.95%
FCF Margin	-85.36%	190.11%	199.58%	204.69%	184.68%	-35.23%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 29, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.240	0.245	0.245	0.188	0.188	0.150
Dividend Per Share Growth	12.80%	0%	30.72%	0%	24.95%	0%
Dividend Yield	3.86%	3.84%	3.92%	3.91%	3.31%	3.03%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 29, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	6.46	5.53	5.99	5.34	7.54	8.28
Forward PE	4.83	5.25	5.19	4.65	6.74	7.54
P/FCF Ratio	-	1.30	1.28	1.11	1.65	-
PS Ratio	2.37	2.48	2.56	2.26	3.04	3.06