---
title: "Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/002839.SZ.md"
symbol: "002839.SZ"
name: "Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd"
industry: "Regional Banks"
datetime: "2026-05-20T13:53:43.701Z"
locales:
  - [en](https://longbridge.com/en/quote/002839.SZ.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/002839.SZ.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/002839.SZ.md)
---

# Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd (002839.SZ)

## Company Overview

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd provides banking products and services in China. The company operates through four segments: Corporate Banking Business, Personal Banking Business, Treasury Business, and Other Businesses. The Corporate Banking Business segment provides services, including corporate loans, bill issuance, trade financing, corporate deposits and remittances, etc. to corporate customers.

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

## 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: 2026-05-20T04:30:11.000Z

**Overall: C (0.44)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 21 / 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 | 4.06% |  |
| Net Profit YoY | 10.72% |  |
| P/B Ratio | 0.56 |  |
| Dividend Ratio | 2.27% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 10774248073.09 |  |
| Revenue | 3925811819.73 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 9.67% | B |
| Profit Margin | 50.86% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 4.06% | C |
| Net Profit YoY | 10.72% | C |
| Total Assets YoY | 7.65% | B |
| Net Assets YoY | 5.08% | C |
| Cash Flow Margin | 254.55% | A |
| OCF YoY | 4.06% | C |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "4.06%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "10.72%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.56",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "2.27%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "10774248073.09",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "3925811819.73",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "9.67%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "50.86%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "4.06%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "10.72%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "7.65%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "5.08%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "254.55%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "4.06%",
          "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) | 5.38 | 7/23 | 5.84 | 5.70 | 5.56 |
| PB | 0.56 | 11/23 | 0.62 | 0.61 | 0.59 |
| PS (TTM) | 2.29 | 12/23 | 2.38 | 2.33 | 2.29 |
| Dividend Yield | 2.28% | 21/23 | 6.68% | 6.48% | 4.44% |

## 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 2026-04-12T16:00:00.000Z

Total Analysts: **3**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 1 | 33% |
| Overweight | 1 | 33% |
| Hold | 1 | 33% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 4.39 |
| Highest Target | 5.34 |
| Lowest Target | 5.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/002839.SZ/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/002839.SZ/norm.md)
- [Related News](https://longbridge.com/en/quote/002839.SZ/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/002839.SZ/filings.md)

---

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