Bank of Jiujiang Co., Ltd. Class H (6190) AI Stock Analysis

• Market Cap: €8.66B
• Dividend Yield: 2.08%
• Average Volume (3M): 3.27K
• Price to Earnings (P/E): 37.3
• Beta (1Y): -0.08
• Revenue Growth: -8.91%
• EPS Growth: N/A
• Country: HK
• Employees: 5,773
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.01
• Shares Outstanding: 482,367,200
• 10 Day Avg. Volume: 5,580
• 30 Day Avg. Volume: 3,273
• PEG Ratio: -2.83
• Price to Book (P/B): 0.34
• Price to Sales (P/S): 3.23
• P/FCF Ratio: -0.37
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 49 Neutral
• Price Target: ―

Bank of Jiujiang's overall score reflects a stable financial position with low debt, which is a positive aspect. However, the stock faces challenges with low profitability and poor cash flow management. Technically, the stock is in a bearish phase, and the valuation appears high, which could deter new investors. The combination of these factors results in a below-average score, indicating caution for potential investors.

Bank of Jiujiang Co., Ltd. Class H Business Overview & Revenue Model

Company Description

Bank of Jiujiang Co., Ltd. Class H (6190) operates as a commercial bank in China. The bank provides a range of financial products and services, including corporate banking, personal banking, and financial market operations. Its offerings include deposit products, loans, settlement services, wealth management, and electronic banking services, catering to both individual and corporate clients.

How the Company Makes Money

Bank of Jiujiang Co., Ltd. generates revenue primarily through interest income from its lending activities, which include providing loans to individuals, small and medium-sized enterprises, and larger corporations. The bank also earns non-interest income from fees and commissions associated with its various financial services, such as wealth management, transaction processing, and advisory services. Additionally, income is generated from trading activities and investments in financial markets. Significant factors contributing to the bank's earnings include its ability to manage credit risk, maintain a diverse portfolio of financial products, and leverage its regional presence in China to capture market opportunities.

Bank of Jiujiang Co., Ltd. Class H Financial Statement Overview

Summary

Bank of Jiujiang presents a stable yet conservative financial position with consistent revenue and strong gross margins. However, the low net margins and ROE suggest profitability might be lagging behind industry peers. The absence of debt is a strong point but requires better equity utilization and cash flow management to enhance financial flexibility and growth potential.

Income Statement

The company shows a consistent revenue stream with a Gross Profit Margin of 100%, indicating all revenue translates to gross profit. However, the Net Profit Margin for 2024 is approximately 17.11%, reflecting typical banking profitability. Revenue grew by 2.24% from 2023 to 2024, suggesting moderate growth. EBIT and EBITDA margins are healthy, although there's room for improvement in cost management.

Balance Sheet

The Bank of Jiujiang has zero debt, which is a strong position for stability. The Equity Ratio is 8.08%, indicating moderate equity levels against total assets. Return on Equity is 1.78%, which is low, reflecting modest profitability relative to shareholder equity. The balance sheet is stable, but there is a need for improved ROE.

Cash Flow

The cash flow statement shows significant negative Free Cash Flow due to large operating cash outflows, reflecting potential liquidity concerns. The Free Cash Flow to Net Income ratio is high, indicating inefficiency in converting income to free cash flow. There's a need for improved cash flow management to sustain operations without depleting cash reserves.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.08B	4.35B	4.25B	5.27B	5.08B	5.01B
Gross Profit	4.08B	9.55B	4.25B	5.27B	5.08B	5.01B
EBITDA	0.00	1.30B	0.00	2.52B	2.44B	0.00
Net Income	554.57M	744.43M	723.58M	1.62B	1.73B	1.67B
Balance Sheet
Total Assets	519.65B	516.46B	503.85B	479.70B	461.50B	415.79B
Cash, Cash Equivalents and Short-Term Investments	0.00	13.25B	36.75B	35.79B	38.36B	40.74B
Total Debt	0.00	47.63B	37.49B	29.13B	31.81B	3.00B
Total Liabilities	477.93B	473.93B	462.89B	443.29B	426.09B	389.16B
Stockholders Equity	40.93B	41.75B	40.16B	35.63B	34.68B	25.98B
Cash Flow
Free Cash Flow	0.00	-38.30B	-17.62B	-12.42B	268.50M	38.61B
Operating Cash Flow	0.00	-37.85B	-17.02B	-12.01B	1.01B	39.26B
Investing Cash Flow	0.00	7.49B	18.07B	3.53B	266.23M	-8.68B
Financing Cash Flow	0.00	22.24B	10.92B	-4.18B	10.29B	-24.76B

Bank of Jiujiang Co., Ltd. Class H Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6190, the sentiment is Negative. The current price of 3 is below the 20-day moving average (MA) of 3.32, below the 50-day MA of 3.43, and below the 200-day MA of 4.25, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 0.62 is Positive, neither overbought nor oversold. The STOCH value of 80.99 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:6190.

Bank of Jiujiang Co., Ltd. Class H Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1398	78 Outperform	HK$2.65T	5.20	―	6.07%	-3.35%	0.58%
3988	77 Outperform	HK$1.55T	4.91	―	6.18%	-1.13%	2.56%
3968	74 Outperform	HK$1.12T	7.31	―	4.70%	-3.23%	1.81%
1288	73 Outperform	HK$2.49T	5.89	9.09%	5.06%	-1.70%	11.36%
1988	72 Outperform	HK$189.38B	5.95	―	8.74%	-7.28%	-5.00%
6190	49 Neutral	€8.66B	37.26	0.67%	2.08%	-8.91%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Bank of Jiujiang Co., Ltd. Class H Corporate Events

Bank of Jiujiang Announces Director Retirement and New Appointment

Bank of Jiujiang Co., Ltd. announced the retirement of Ms. Zhou Miao as a non-executive director and chairman of the Compliance Management Committee due to her reaching the mandatory retirement age. Ms. Zhou will continue her duties until her successor, Ms. Wu Haiming, officially assumes the role. Ms. Wu, with extensive experience in the banking sector, is proposed as the new non-executive director, pending shareholder approval. This transition reflects the bank’s ongoing commitment to maintaining strong governance and leadership within its board.

Bank of Jiujiang Announces 2025 Extraordinary General Meeting

Bank of Jiujiang Co., Ltd. has announced the convening of its 2025 first extraordinary general meeting to discuss and approve several key resolutions. These include the reform plan for Jiuyin County Banks, a merger by absorption of three banks, and the issuance of undated capital bonds. The outcomes of these resolutions could significantly impact the bank’s operational strategy and market positioning, potentially affecting stakeholders such as shareholders and regional customers.

Bank of Jiujiang Releases 2024 Annual Results

Bank of Jiujiang Co., Ltd. announced its audited consolidated annual results for the year ended December 31, 2024. The results have been reviewed by the Board and the audit committee, and are in compliance with the listing requirements of the Hong Kong Stock Exchange. The annual report will be available on the HKEXnews website and the bank’s website, and will be sent to H shareholders.

Bank of Jiujiang Announces Final Dividend for 2024

Bank of Jiujiang Co., Ltd. announced a final cash dividend of RMB 0.57 per 10 shares for the financial year ending December 31, 2024, with payment scheduled for July 31, 2025. The announcement includes details on withholding tax rates applicable to non-resident shareholders, which may impact the net dividend received by these stakeholders.

Bank of Jiujiang Prepares for 2025 Extraordinary General Meeting

Bank of Jiujiang Co., Ltd. has announced the closure of its register of members in preparation for its 2025 first extraordinary general meeting (EGM) scheduled for May 6, 2025. This closure will affect H shareholders, who must ensure their share transfer documents are registered by April 15, 2025, to be eligible to attend and vote at the meeting. This announcement is crucial for stakeholders as it outlines the procedural requirements for participation in the EGM, potentially impacting shareholder engagement and decision-making processes.

Bank of Jiujiang to Review Annual Results and Dividend Proposal

Bank of Jiujiang Co., Ltd. has announced that its board of directors will meet on March 31, 2025, to consider and approve the annual results for the year ended December 31, 2024, and to discuss the recommendation of a final dividend payment. This meeting is significant for stakeholders as it will determine the bank’s financial performance and potential dividend payouts, impacting investor confidence and market positioning.