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Jinshang Bank Co., Ltd. Class H
(2558)
Select Model
Select Model
Rating:67Neutral
Price Target:
HK$1.00
â–¼(-29.08% Downside)
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
Sustained net income and strong reported margins indicate that the bank’s core lending and service model has generated recurring earnings across multiple years. This earnings base can support capital formation, customer growth, and resilience through ordinary changes in the banking cycle.
Negative Factors
Volatile cash generation
Large swings in operating and free cash flow make earnings conversion less predictable and can reduce near-term funding flexibility. Although cash flow recovered in 2025, the prior sharp deterioration shows that reported profitability may not consistently translate into readily available cash.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent profitability
Sustained net income and strong reported margins indicate that the bank’s core lending and service model has generated recurring earnings across multiple years. This earnings base can support capital formation, customer growth, and resilience through ordinary changes in the banking cycle.
Read all positive factors
Jinshang Bank Co., Ltd. Class H (2558) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$6.31B
Dividend Yield5.32%
Average Volume (3M)5.77K
Price to Earnings (P/E)3.4
Beta (1Y)0.15
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. Volume15,800
30 Day Avg. Volume5,766
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
1.13
Negative
1.15
Negative
1.23
Negative
Market Momentum
-0.02
Positive
37.08
Neutral
8.33
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 1.10, above the 50-day MA of 1.13, and above the 200-day MA of 1.23, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 37.08 is Neutral, neither overbought nor oversold. The STOCH value of 8.33 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$6.31B | 3.44 | 5.81% | 5.32% | -5.28% | -2.95% | |
63 Neutral | HK$5.68B | 3.12 | 14.00% | 7.19% | 5.86% | 28.54% | |
56 Neutral | HK$3.69B | 5.26 | 1.81% | 54.71% | -4.02% | 10.02% | |
53 Neutral | HK$7.62B | 12.88 | 2.46% | 2.41% | -2.30% | 138.58% | |
51 Neutral | HK$3.55B | 4.91 | 2.50% | 6.63% | -9.03% | 7.56% | |
47 Neutral | HK$3.57B | 4.40 | 2.45% | 9.11% | -2.43% | 46.14% |
* Financial Sector Average
HK:2558
Jinshang Bank Co., Ltd. Class H
1.08
-0.24
-18.24%
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Bank of Jiujiang Co., Ltd. Class H
2.68
-0.34
-11.22%
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Harbin Bank Co., Ltd. Class H
0.32
-0.11
-26.44%
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Jiangxi Bank Co., Ltd. Class H
0.59
-0.08
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Luzhou Bank Co., Ltd. Class H
2.08
-0.14
-6.43%
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Bank of Gansu Co., Ltd. Class H
0.25
0.08
52.15%
Jinshang Bank Co., Ltd. Class H Corporate Events
Jinshang Bank Unveils Unaudited Interim Results for First Half of 2026
Aug 28, 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 Ho...
Jinshang Bank Sets Board Meeting to Approve 2026 Interim Results
Aug 18, 2026
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 supervis...
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...
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.