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Jinshang Bank Co., Ltd. Class H
(2558)
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Rating:67Neutral
Price Target:
HK$1.50
â–²(6.38% Upside)
Action:Reiterated
Date:08/06/26
The score is primarily supported by very attractive valuation (low P/E and high dividend yield). Offsetting this is only moderate financial quality due to volatile cash flows and inconsistent leverage/profitability line items, while technicals are mixed with modest near-term strength but still below longer-term moving averages.
Positive Factors
Consistent Profitability
Consistent mid‑40% net profit margins and steady net income (~1.6–2.0B) indicate a resilient, cash‑generative franchise. Over 2–6 months this durability supports capacity to absorb credit losses, fund organic growth and dividends, and sustain core operations.
Negative Factors
Volatile Cash Generation
Marked swings in operating and free cash flow—very strong in 2022–23, deeply negative in 2024, recovered in 2025—signal inconsistent cash conversion. That raises funding and capital‑planning risk, potentially constraining credit growth or dividend policy in the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Profitability
Consistent mid‑40% net profit margins and steady net income (~1.6–2.0B) indicate a resilient, cash‑generative franchise. Over 2–6 months this durability supports capacity to absorb credit losses, fund organic growth and dividends, and sustain core operations.
Read all positive factors
Jinshang Bank Co., Ltd. Class H (2558) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$6.48B
Dividend Yield5.18%
Average Volume (3M)600.00
Price to Earnings (P/E)3.5
Beta (1Y)0.14
Revenue Growth-5.28%
EPS Growth-2.95%
CountryHK
Employees4,478
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.27
Shares Outstanding970,650,000
10 Day Avg. Volume1,400
30 Day Avg. Volume600
Financial Highlights & Ratios
PEG Ratio-0.68
Price to Book (P/B)0.27
Price to Sales (P/S)0.60
P/FCF Ratio4.26
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Jinshang Bank Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Jinshang Bank Co., Ltd. is a commercial banking institution operating within China's Shanxi Province. Its operations are broadly divided into three main areas: Corporate Banking, Retail Banking, and Treasury Business. The Corporate Banking divisio...
How the Company Makes Money
Jinshang Bank primarily makes money through traditional banking income streams. Its core earnings typically come from (1) net interest income: interest earned on loans and other interest-earning assets minus interest paid on customer deposits and ...
Jinshang Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.41B | 12.32B | 4.12B | 4.37B | 4.02B | 3.74B |
| Gross Profit | 4.08B | 3.82B | 5.97B | 4.37B | 4.02B | 3.74B |
| EBITDA | 2.10B | 1.93B | 2.13B | 2.35B | 2.18B | 2.01B |
| Net Income | 1.60B | 1.62B | 1.76B | 2.00B | 1.84B | 1.69B |
Balance Sheet | ||||||
| Total Assets | 401.87B | 393.37B | 376.31B | 361.31B | 336.42B | 303.29B |
| Cash, Cash Equivalents and Short-Term Investments | 18.89B | 41.70B | 8.64B | 12.06B | 20.33B | 28.65B |
| Total Debt | 53.01B | 42.99B | 2.00B | 2.00B | 33.86B | 59.30B |
| Total Liabilities | 373.95B | 366.27B | 348.28B | 336.49B | 313.07B | 281.13B |
| Stockholders Equity | 27.91B | 27.10B | 28.02B | 24.80B | 23.34B | 22.14B |
Cash Flow | ||||||
| Free Cash Flow | 1.01B | 1.74B | -9.17B | 8.00B | 24.83B | 2.42B |
| Operating Cash Flow | 1.16B | 1.87B | -9.03B | 8.26B | 24.98B | 2.61B |
| Investing Cash Flow | -13.06B | -6.26B | -14.96B | 11.67B | -8.93B | 232.42M |
| Financing Cash Flow | 13.25B | 4.54B | 20.57B | 19.55B | -27.22B | 4.38B |
Jinshang Bank Co., Ltd. Class H Technical Analysis
Negative
1.41
Price Trends
1.15
Negative
1.17
Negative
1.24
Negative
Market Momentum
-0.01
Positive
29.03
Positive
>-0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2558, the sentiment is Negative. The current price of 1.41 is above the 20-day moving average (MA) of 1.12, above the 50-day MA of 1.15, and above the 200-day MA of 1.24, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 29.03 is Positive, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:2558.
Jinshang Bank Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$6.48B | 3.53 | 5.81% | 5.18% | -5.28% | -2.95% | |
63 Neutral | HK$5.57B | 3.08 | 14.00% | 7.29% | 5.86% | 28.54% | |
51 Neutral | HK$3.49B | 4.83 | 2.50% | 6.74% | -9.03% | 7.56% | |
47 Neutral | HK$3.46B | 4.19 | 2.45% | 9.11% | -2.43% | 46.14% | |
41 Neutral | HK$3.77B | 5.31 | 1.81% | 54.28% | -4.02% | 10.02% | |
39 Underperform | HK$7.69B | 13.00 | 2.46% | 2.38% | -2.30% | 138.58% |
* Financial Sector Average
HK:2558
Jinshang Bank Co., Ltd. Class H
1.11
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-15.97%
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2.05
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Bank of Gansu Co., Ltd. Class H
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38.89%
Jinshang Bank Co., Ltd. Class H Corporate Events
Jinshang Bank boosts stake in consumer finance unit with RMB730 million capital injection
Jul 23, 2026
Jinshang Bank has detailed the pricing basis for its RMB730 million capital contribution to Jinshang Xiaojin, under which it will subscribe 500 million new shares at RMB1.46 per share. The valuation, mandated by state-owned asset rules and approve...
Jinshang Bank Secures Unanimous Shareholder Backing at 2025 AGM
Jun 26, 2026
Jinshang Bank Co., Ltd. held its 2025 annual general meeting on June 26, 2026, in Taiyuan, with the session chaired by board chairwoman Hao Qiang and attended by most executive, non-executive and independent non-executive directors either in perso...
Jinshang Bank Sets Final 2025 Dividend and Outlines Tax Terms for H-Shareholders
Jun 26, 2026
Jinshang Bank Co., Ltd. has declared a final ordinary cash dividend of RMB 5 per 100 shares for the financial year ended 31 December 2025, with shareholders approving the payout on 26 June 2026. The dividend for H-share investors will be paid in H...
Jinshang Bank Lifts Stake in Jinshang Xiaojin to 70% With RMB730 Million Capital Injection
Jun 21, 2026
Jinshang Bank has agreed to inject RMB730 million into its affiliate Jinshang Xiaojin by subscribing for 500 million newly issued shares at RMB1.46 per share. This capital injection will raise Jinshang Xiaojin’s registered capital from RMB50...
Jinshang Bank Wins Regulatory Nod for New Non-Executive Director as Board Reshuffles
Jun 5, 2026
Chinese lender Jinshang Bank Co., Ltd. has received regulatory approval from the Shanxi Supervision Bureau of the National Financial Regulatory Administration for the directorship qualification of WANG Xiankui. His appointment as a non-executive d...
Jinshang Bank Details Board Composition and Interim Governance Arrangements
Jun 5, 2026
Jinshang Bank Co., Ltd. has outlined the current composition of its board of directors, detailing the mix of executive, non-executive and independent non-executive directors and their respective leadership roles, including the chairwoman and vice ...
Jinshang Bank Sets June 2026 AGM to Approve 2025 Results and 2026 Budget
May 27, 2026
Jinshang Bank Co., Ltd. has convened its 2025 annual general meeting for June 26, 2026, in Taiyuan, Shanxi Province, outlining a full agenda covering board and supervisory work reports, 2025 profit distribution, final accounts and the 2026 financi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.