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Jiangxi Bank Co., Ltd. Class H (1916) AI Stock Analysis
Jiangxi Bank Co., Ltd. Class H
(HKEX:1916)
The score is held back mainly by weak financial quality signals—sharp margin compression and a large jump in leverage—despite improved 2025 cash flow. Valuation is the main support (low P/E and high dividend yield), while technicals remain bearish with the stock trading below key moving averages.
Jiangxi Bank Co., Ltd. Class H (1916) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 3.37B
- Dividend Yield
- 6.98%
- Average Volume (3M)
- 612.07K
- Price to Earnings (P/E)
- 4.6
- Beta (1Y)
- 0.38
- Revenue Growth
- -9.03%
- EPS Growth
- 7.56%
- Country
- Hong Kong
- Employees
- 5,578
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Jiangxi Bank Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Jiangxi Bank Co., Ltd., a financial institution based in Nanchang, People's Republic of China, provides a comprehensive array of corporate and retail banking solutions. Established in 1997 and formerly known as Bank of Nanchang Co., Ltd. until its re...
How the Company Makes Money
Jiangxi Bank generally makes money through the spread-based and fee-based economics typical of commercial banking. Its primary earnings source is net interest income: it raises funds mainly through customer deposits and interbank funding, then deploy...
Jiangxi Bank Co., Ltd. Class H Financial Statement Overview
Summary
Despite a sharp 2025 revenue surge and a rebound to positive operating/free cash flow, profitability did not scale (net margin fell materially) and leverage increased significantly (debt-to-equity ~3.7x), leaving earnings quality and balance-sheet risk as key concerns.
Income Statement
46NeutralBalance Sheet
34NegativeCash Flow
41Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.31B | 3.86B | 4.18B | 4.63B | 5.32B | 6.14B |
| Gross Profit | 3.85B | 8.94B | 4.18B | 4.63B | 5.32B | 6.14B |
| EBITDA | 1.44B | 1.10B | 1.17B | 1.47B | 2.15B | 3.02B |
| Net Income | 993.95M | 964.50M | 1.06B | 1.04B | 1.55B | 2.07B |
Balance Sheet | ||||||
| Total Assets | 590.84B | 589.61B | 573.63B | 552.35B | 515.57B | 508.56B |
| Cash, Cash Equivalents and Short-Term Investments | 26.39B | 25.95B | 8.66B | 13.04B | 14.71B | 22.58B |
| Total Debt | 130.95B | 146.08B | 6.13B | 47.45B | 57.35B | 6.04B |
| Total Liabilities | 549.95B | 549.30B | 525.05B | 504.81B | 468.76B | 466.93B |
| Stockholders Equity | 40.02B | 39.48B | 47.78B | 46.78B | 46.05B | 40.92B |
Cash Flow | ||||||
| Free Cash Flow | 3.79B | 7.16B | -29.43B | -2.94B | -34.73B | -41.98B |
| Operating Cash Flow | 3.97B | 7.34B | -29.29B | -2.77B | -34.61B | -41.59B |
| Investing Cash Flow | -9.74B | 8.65B | -1.16B | 5.63B | 19.38B | 11.87B |
| Financing Cash Flow | 16.73B | -6.77B | 26.06B | -8.88B | 8.94B | 32.22B |
Jiangxi Bank Co., Ltd. Class H Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1916, the sentiment is Negative. The current price of 0.56 is below the 20-day moving average (MA) of 0.57, below the 50-day MA of 0.58, and below the 200-day MA of 0.61, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 29.23 is Positive, neither overbought nor oversold. The STOCH value of 25.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1916.
Jiangxi Bank Co., Ltd. Class H Peers Comparison
Overall Rating
HK:198363Neutral
HK:255854Neutral- HK:191651Neutral
HK:613847Neutral
HK:213941Neutral
HK:619039Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1983 | 63Neutral | HKD 5.84B | 3.20 | 14.00% | 6.95% | 5.86% | 28.54% |
| HK:2558 | 54Neutral | HKD 5.96B | 3.22 | 5.81% | 5.64% | -5.28% | -2.95% |
| HK:1916 | 51Neutral | HKD 3.37B | 4.63 | 2.50% | 6.98% | -9.03% | 7.56% |
| HK:6138 | 47Neutral | HKD 3.13B | 3.89 | 2.45% | ― | -2.43% | 46.14% |
| HK:2139 | 41Neutral | HKD 3.74B | 5.22 | 1.81% | 54.71% | -4.02% | 10.02% |
| HK:6190 | 39Underperform | HKD 7.12B | 11.92 | 2.46% | 2.58% | -2.30% | 138.58% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:1916 | Jiangxi Bank Co., Ltd. Class H | 0.56 | -0.09 | -13.31% | |
| HK:6190 | Bank of Jiujiang Co., Ltd. Class H | 2.50 | 0.54 | 27.36% | |
| HK:6138 | Harbin Bank Co., Ltd. Class H | 0.28 | -0.11 | -27.85% | |
| HK:1983 | Luzhou Bank Co., Ltd. Class H | 2.15 | 0.18 | 9.08% | |
| HK:2139 | Bank of Gansu Co., Ltd. Class H | 0.25 | 0.09 | 55.00% | |
| HK:2558 | Jinshang Bank Co., Ltd. Class H | 1.02 | -0.24 | -19.30% |
Jiangxi Bank Co., Ltd. Class H Corporate Events
Jiangxi Bank Sets August Board Meeting to Approve 2026 Interim Results
Jiangxi Bank Co., Ltd. has scheduled a board meeting for Friday, August 28, 2026, to review and approve the interim results of the bank and its subsidiaries for the six months ended June 30, 2026 and to arrange for their publication. The announcement...
Jiangxi Bank Raises RMB4 Billion via Perpetual Capital Bonds
Jiangxi Bank Co., Ltd. has completed the issuance of its 2026 perpetual capital bonds in China’s national interbank bond market, raising RMB4.0 billion. The bonds carry a coupon rate of 2.05% for the first five years, to be reset every five yea...
Jiangxi Bank Plans Non-Public Share Issuance to Strengthen Capital Base
Jiangxi Bank has proposed a non-public issuance of up to 715 million domestic shares and 215 million H shares under a specific mandate, with proceeds earmarked to replenish its core tier-one capital. The move aims to improve the bank’s capital...
Jiangxi Bank Wins Approval for Major Bond Issuance Programme
Jiangxi Bank has obtained regulatory approvals from the People’s Bank of China and the National Financial Regulatory Administration Jiangxi Bureau to issue sizeable tranches of capital supplementary bonds, ordinary financial bonds and other cap...
Jiangxi Bank Shareholders Approve 2025 Results and Final Dividend at AGM
Jiangxi Bank Co., Ltd. held its 2025 annual general meeting in Nanchang on June 26, 2026, with the meeting convened in accordance with applicable laws and the bank’s articles of association. The AGM was chaired by Chairman Zeng Hui, attended by...
Jiangxi Bank Updates Final 2025 Dividend and Withholding Tax Details
Jiangxi Bank has updated details of its final cash dividend for the year ended 31 December 2025, confirming a payout of RMB 0.34 per 10 shares, with Hong Kong shareholders to receive HKD 0.390951 per 10 shares based on an exchange rate of RMB 1 to HK...
Jiangxi Bank Updates 2025 Final Dividend and Tax Arrangements for H Shareholders
Jiangxi Bank Co., Ltd. has announced an updated final dividend for the financial year ended 31 December 2025, declaring a cash payout of RMB 0.34 per 10 shares to H shareholders, subject to approval on 26 June 2026. The bank has also revised informat...
Jiangxi Bank Sets June 2026 AGM to Approve 2025 Results and Governance Matters
Jiangxi Bank Co., Ltd. has convened its 2025 annual general meeting for June 26, 2026 in Nanchang, where shareholders will review reports from the board of directors and supervisors, the 2025 annual financial statements, the 2026 financial budget, th...
Jiangxi Bank Names Veteran Regulator Qian Zheng as Chief Compliance Officer
Jiangxi Bank has appointed Qian Zheng as its chief compliance officer, with his term to begin once regulatory approval is granted by the National Financial Regulatory Administration Jiangxi Bureau and to run until the end of the bank’s fourth b...
Jiangxi Bank Gains Regulatory Nod for New Non-Executive Directors and Committee Role
Jiangxi Bank has received regulatory approval from the National Financial Regulatory Administration Jiangxi Office confirming the qualifications of Mr. Yin Guangxing and Mr. Li Xiuhong as non-executive directors. Their terms on the board are effectiv...
Jiangxi Bank Outlines Board Line‑Up and Expands Governance Oversight
Jiangxi Bank Co., Ltd. has announced the current composition of its board of directors, detailing its mix of executive, non‑executive and independent non‑executive directors, led by chairwoman Zeng Hui. The disclosure underscores the bank...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 18, 2026