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Jinshang Bank Co., Ltd. Class H (2558) AI Stock Analysis
Jinshang Bank Co., Ltd. Class H
(HKEX:2558)
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.
Jinshang Bank Co., Ltd. Class H (2558) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 5.96B
- Dividend Yield
- 5.64%
- Average Volume (3M)
- 20.20K
- Price to Earnings (P/E)
- 3.2
- Beta (1Y)
- -0.05
- Revenue Growth
- -5.28%
- EPS Growth
- -2.95%
- Country
- Hong Kong
- Employees
- 4,478
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 division d...
Jinshang Bank Co., Ltd. Class H Financial Statement Overview
Summary
Profitability is solid with fairly consistent net income and strong net margins, and assets have grown steadily. However, confidence is reduced by highly volatile operating/free cash flow (notably negative in 2024) and sharp swings/inconsistencies in leverage and certain profitability line items across periods.
Income Statement
72PositiveBalance Sheet
64PositiveCash Flow
48Neutral| 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 | 1.94B | 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
Price Trends
Market Momentum
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 1.02 is below the 20-day moving average (MA) of 1.06, below the 50-day MA of 1.09, and below the 200-day MA of 1.20, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 26.94 is Positive, neither overbought nor oversold. The STOCH value of 42.96 is Neutral, 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
Overall Rating
- HK:255867Neutral
HK:198363Neutral
HK:619058Neutral
HK:191651Neutral
HK:613847Neutral
HK:213941Neutral
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:2558 | 67Neutral | HKD 5.96B | 3.21 | 5.81% | 5.64% | -5.28% | -2.95% |
| HK:1983 | 63Neutral | HKD 5.84B | 3.19 | 14.00% | 6.95% | 5.86% | 28.54% |
| HK:6190 | 58Neutral | HKD 7.12B | 11.92 | 2.46% | 2.58% | -2.30% | 138.58% |
| HK:1916 | 51Neutral | HKD 3.37B | 4.62 | 2.50% | 6.98% | -9.03% | 7.56% |
| HK:6138 | 47Neutral | HKD 3.13B | 3.88 | 2.45% | ― | -2.43% | 46.14% |
| HK:2139 | 41Neutral | HKD 3.74B | 5.21 | 1.81% | 54.71% | -4.02% | 10.02% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:2558 | Jinshang Bank Co., Ltd. Class H | 1.02 | -0.24 | -19.30% | |
| HK:6190 | Bank of Jiujiang Co., Ltd. Class H | 2.50 | 0.56 | 28.60% | |
| HK:6138 | Harbin Bank Co., Ltd. Class H | 0.28 | -0.11 | -27.85% | |
| HK:1916 | Jiangxi Bank Co., Ltd. Class H | 0.56 | -0.08 | -12.09% | |
| HK:1983 | Luzhou Bank Co., Ltd. Class H | 2.15 | 0.20 | 10.14% | |
| HK:2139 | Bank of Gansu Co., Ltd. Class H | 0.25 | 0.09 | 57.96% |
Jinshang Bank Co., Ltd. Class H Corporate Events
Jinshang Bank Publishes Unaudited Nine-Month Data Under Shanxi SOE Disclosure Rules
Jinshang Bank has released unaudited financial and other information for the nine months ended 30 September 2026, in compliance with Shanxi provincial regulations on the disclosure of major information by state-owned enterprises. The announcement und...
Jinshang Bank Appoints Veteran Executive as Employee Director Pending Regulatory Nod
Jinshang Bank announced that its employee representative congress has elected Mr. Xie Liying as an employee director for the seventh board session, with his appointment subject to approval by the Shanxi Supervision Bureau of the National Financial Re...
Jinshang Bank Unveils Unaudited Interim Results for First Half of 2026
Jinshang Bank Co., Ltd., a PRC-based joint stock commercial bank with H shares listed on the Hong Kong Stock Exchange, operates under mainland regulatory oversight and does not hold authorization to provide banking or deposit-taking services in Hong...
Jinshang Bank Sets Board Meeting to Approve 2026 Interim Results
Jinshang Bank Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, operates primarily under mainland Chinese regulation and is explicitly not licensed as a banking institution in Hong Kong, placing it outside the supervision...
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 06, 2026