Jiangsu Jiangyin Rural Commercial BankLTD (XSEC:002807) Stock Valuation, Peer Comparison & Price Targets

Q: What is the Fair Price of 002807 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

002807 (CN¥4.1) is trading below our estimate of [[fair value]] (CN¥12.23)

Share Price vs Fair Value

What is the Fair Price of 002807 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 002807 (CN¥4.1) is trading below our estimate of fair value (CN¥12.23)

Significantly Below Fair Value: 002807 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 002807?

Key metric: As 002807 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 002807. This is calculated by dividing 002807's market cap by their current earnings.
What is 002807's PE Ratio?
PE Ratio	5.1x
Earnings	CN¥1.96b
Market Cap	CN¥10.09b

002807 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	0.5x

Price to Earnings Ratio vs Peers

How does 002807's PE Ratio compare to its peers?

The above table shows the PE ratio for 002807 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	5.6x
603323 Jiangsu Suzhou Rural Commercial Bank	4.9x	10.6%	CN¥9.4b
002839 Jiangsu Zhangjiagang Rural Commercial Bank	5.3x	9.1%	CN¥9.4b
601860 Jiangsu Zijin Rural Commercial BankLtd	6.4x	n/a	CN¥10.4b
600908 Wuxi Rural Commercial BankLtd	5.8x	8.7%	CN¥12.7b
002807 Jiangsu Jiangyin Rural Commercial BankLTD	5.1x	10.5%	CN¥10.1b

Price-To-Earnings vs Peers: 002807 is good value based on its Price-To-Earnings Ratio (5.1x) compared to the peer average (5.6x).

Price to Earnings Ratio vs Industry

How does 002807's PE Ratio compare vs other companies in the CN Banks Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap

No more companies available in this PE range

0 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: 002807 is good value based on its Price-To-Earnings Ratio (5.1x) compared to the CN Banks industry average (5.7x).

Price to Earnings Ratio vs Fair Ratio

What is 002807's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

002807 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	5.1x
Fair PE Ratio	5.2x

Price-To-Earnings vs Fair Ratio: 002807 is good value based on its Price-To-Earnings Ratio (5.1x) compared to the estimated Fair Price-To-Earnings Ratio (5.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 002807 forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	CN¥4.10	CN¥4.54 +10.7%	0.4%	CN¥4.56	CN¥4.52	n/a	2
Nov ’25	CN¥4.01	CN¥4.54 +13.2%	0.4%	CN¥4.56	CN¥4.52	n/a	2
Oct ’25	CN¥4.28	CN¥4.54 +6.1%	0.4%	CN¥4.56	CN¥4.52	n/a	2
Sep ’25	CN¥3.69	CN¥4.97 +34.7%	9.1%	CN¥5.42	CN¥4.52	n/a	2
Aug ’25	CN¥3.77	CN¥4.98 +32.1%	8.8%	CN¥5.42	CN¥4.54	n/a	2
Jul ’25	CN¥3.82	CN¥4.98 +30.4%	8.8%	CN¥5.42	CN¥4.54	n/a	2
Jun ’25	CN¥4.14	CN¥4.77 +15.2%	9.8%	CN¥5.42	CN¥4.35	n/a	3
May ’25	CN¥3.93	CN¥4.77 +21.4%	9.8%	CN¥5.42	CN¥4.35	n/a	3
Apr ’25	CN¥3.86	CN¥4.79 +24.0%	10.2%	CN¥5.47	CN¥4.35	n/a	3
Mar ’25	CN¥3.72	CN¥4.92 +32.3%	9.3%	CN¥5.47	CN¥4.35	n/a	3
Feb ’25	CN¥3.63	CN¥4.92 +35.6%	9.3%	CN¥5.47	CN¥4.35	n/a	3
Jan ’25	CN¥3.55	CN¥4.92 +38.7%	9.3%	CN¥5.47	CN¥4.35	n/a	3
Dec ’24	CN¥3.60	CN¥4.92 +36.8%	9.3%	CN¥5.47	CN¥4.35	n/a	3
Nov ’24	CN¥3.65	CN¥4.65 +27.4%	6.5%	CN¥4.95	CN¥4.35	CN¥4.01	2
Oct ’24	CN¥3.82	CN¥5.87 +53.6%	24.2%	CN¥7.87	CN¥4.78	CN¥4.28	3
Sep ’24	CN¥3.73	CN¥5.87 +57.3%	24.2%	CN¥7.87	CN¥4.78	CN¥3.69	3
Aug ’24	CN¥3.99	CN¥5.98 +49.8%	22.4%	CN¥7.87	CN¥4.97	CN¥3.77	3
Jul ’24	CN¥3.69	CN¥5.98 +62.0%	22.4%	CN¥7.87	CN¥4.97	CN¥3.82	3
Jun ’24	CN¥3.98	CN¥5.98 +50.2%	22.4%	CN¥7.87	CN¥4.97	CN¥4.14	3
May ’24	CN¥4.08	CN¥5.98 +46.5%	22.4%	CN¥7.87	CN¥4.97	CN¥3.93	3
Apr ’24	CN¥3.99	CN¥5.98 +49.8%	22.4%	CN¥7.87	CN¥4.97	CN¥3.86	3
Mar ’24	CN¥4.28	CN¥5.71 +33.4%	5.7%	CN¥6.25	CN¥5.41	CN¥3.72	4
Feb ’24	CN¥4.24	CN¥5.71 +34.6%	5.7%	CN¥6.25	CN¥5.41	CN¥3.63	4
Jan ’24	CN¥3.97	CN¥5.71 +43.8%	5.7%	CN¥6.25	CN¥5.41	CN¥3.55	4
Dec ’23	CN¥4.03	CN¥5.71 +41.6%	5.7%	CN¥6.25	CN¥5.41	CN¥3.60	4
Nov ’23	CN¥3.76	CN¥5.71 +51.8%	5.7%	CN¥6.25	CN¥5.41	CN¥3.65	4

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Jiangsu Jiangyin Rural Commercial BankLTD Valuation