---
title: "Jiangsu Jiangyin Rural Commercial Bank Co.,Ltd. (002807.SZ)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/002807.SZ.md"
symbol: "002807.SZ"
name: "Jiangsu Jiangyin Rural Commercial Bank Co.,Ltd."
industry: "Regional Banks"
datetime: "2026-05-20T14:41:44.646Z"
locales:
  - [en](https://longbridge.com/en/quote/002807.SZ.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/002807.SZ.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/002807.SZ.md)
---

# Jiangsu Jiangyin Rural Commercial Bank Co.,Ltd. (002807.SZ)

## Company Overview

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. provides various personal and corporate banking products and services in China. The company operates through three segments: Corporate Business, Personal Business, and Treasury Business. It offers fixed, current, smart, notice, time, and demand deposits, as well as deposit certificates; gold, mortgage, and personal business and consumption loans; business operating, project, syndicated, agricultural, fund pool, auction, commercial property, revolving, technology, and green energy loans; and corporate finance.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | CN Market |
| Website | [www.jybank.com.cn](https://www.jybank.com.cn) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:09.000Z

**Overall: C (0.50)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 20 / 23 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 6.55% |  |
| Net Profit YoY | 0.68% |  |
| P/B Ratio | 0.55 |  |
| Dividend Ratio | 2.25% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 10972680424.57 |  |
| Revenue | 3623194152.73 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 10.60% | B |
| Profit Margin | 56.91% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 6.55% | C |
| Net Profit YoY | 0.68% | C |
| Total Assets YoY | 7.39% | B |
| Net Assets YoY | 5.01% | C |
| Cash Flow Margin | -329.48% | E |
| OCF YoY | 6.55% | C |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Jiangsu Jiangyin Rural Commercial Bank Co.,Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "6.55%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "0.68%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.55",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "2.25%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "10972680424.57",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "3623194152.73",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "10.60%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "56.91%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "6.55%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "0.68%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "7.39%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "5.01%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-329.48%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "6.55%",
          "rating": "C"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 5.32 | 6/23 | 5.66 | 5.36 | 5.14 |
| PB | 0.55 | 10/23 | 0.63 | 0.60 | 0.58 |
| PS (TTM) | 2.60 | 16/23 | 2.90 | 2.77 | 2.69 |
| Dividend Yield | 2.25% | 22/23 | 6.55% | 4.38% | 4.07% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Bank Of Jiangsu (600919.SH) | B | B | E | A | A | B |
| 02 | QLB (601665.SH) | B | A | E | A | B | B |
| 03 | Bank of Qingdao (002948.SZ) | B | B | E | A | B | B |
| 04 | Bank of Ningbo (002142.SZ) | B | C | E | A | B | C |
| 05 | BANK OF NANJING (601009.SH) | B | C | E | A | B | C |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-28T16:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Overweight | 1 | 100% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 4.45 |
| Highest Target | 5.17 |
| Lowest Target | 5.17 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/002807.SZ/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/002807.SZ/norm.md)
- [Related News](https://longbridge.com/en/quote/002807.SZ/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/002807.SZ/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**