Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (SHE:002839)

China · Delayed Price · Currency is CNY

4.640

+0.060 (1.31%)

Aug 3, 2026, 3:04 PM CST

SHE:002839 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	Mar '26 Mar 31, 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	3,918	3,975	3,739	3,578	3,303	2,795
Revenue Growth	4.01%	6.29%	4.50%	8.33%	18.18%	20.96%
Net Income	1,993	1,979	1,879	1,691	1,586	1,304
Earnings Per Share	0.78	0.77	0.81	0.65	0.62	0.53
EPS Growth	-2.02%	-4.94%	24.62%	4.45%	18.26%	31.30%

Revenue by Segment

Fiscal Year	FY 2025
Period Ending	Dec '25 Dec 31, 2025
Treasury Operations	1,549
Personal Banking	473.83
Corporate Banking	1,793
Other Business	158.12
Total	3,975

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	31,254	18,545	21,181	17,456	14,680	10,214
Total Debt	23,781	22,581	25,856	27,080	23,757	22,448
Net Cash (Debt)	7,473	-4,036	-4,675	-9,624	-9,077	-12,234
Net Cash Growth	102.02%	-	-	-	-	-
Net Cash Per Share	2.92	-1.57	-2.02	-3.70	-3.34	-4.52

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	5,073	-3,240	-419.78	1,795	7,633	158.22
Capital Expenditures	-63.38	-67.66	-79.37	-115.95	-275.21	-293.32
Free Cash Flow	5,010	-3,308	-499.15	1,680	7,358	-135.1
Free Cash Flow Growth	-	-	-	-77.17%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	50.87%	49.79%	50.24%	47.26%	48.02%	46.65%
FCF Margin	127.86%	-83.23%	-13.35%	46.94%	222.75%	-4.83%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 3, 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	0.220	0.200	0.200	0.200	0.133
Dividend Per Share Growth	10.00%	10.00%	0%	0%	50.04%	0%
Dividend Yield	5.24%	4.95%	5.04%	5.96%	5.25%	3.45%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 3, 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	5.96	5.65	5.69	4.98	6.31	7.99
Forward PE	5.55	5.61	4.82	4.38	4.91	7.93
P/FCF Ratio	2.26	-	-	5.01	1.36	-
PS Ratio	2.89	2.81	2.86	2.35	3.03	3.73