Jiangsu Jiangyin Rural Commercial Bank 江阴银行
No significant filings since 30 May 2026.
自 30 May 2026 起无重大公告。
As of 25 Sep 2026 截至2026年9月25日
Jiangsu Jiangyin Rural Commercial Bank 江阴银行, listed on the Shenzhen Stock Exchange, operates in the banking sector. The bank reported a slight increase in revenue and attributable net profit in 2025, with revenue at RMB4.12bn and net profit at RMB2.05bn, up 4.1% and 0.6% respectively from 2024. Net profit excluding non-recurring items rose by 1.3%. However, operating cash flow per share turned negative in 2025 at -RMB0.97, compared to RMB1.50 in 2024, indicating a deterioration in cash generation. The operating cash flow to net profit ratio was -1.18x, highlighting weak cash conversion. At 30 Jun 2026, the bank's liabilities to assets ratio stood at 91.1%. For the period to 30 Jun 2026, operating cash flow per share was RMB3.75.
江阴银行在深交所上市，属于银行业。2025年营业收入为41.25亿元，归母净利润为20.49亿元，分别同比增长4.1%和0.6%；扣非后净利润同比增长1.3%。但每股经营现金流由2024年的1.50元转为2025年的-0.97元，经营现金流与净利润之比为-1.18倍，显示盈利变现能力减弱。截至2026年6月30日，资产负债率为91.1%。截至2026年6月30日的报告期，每股经营现金流为3.75元。
| Flag 标记 | Risk 风险 | Mechanism 影响机制 |
|---|---|---|
| Operating cash outflow 经营现金净流出 | The company generated an operating cash outflow in 2025. 公司2025年经营现金流为净流出。 | An operating cash outflow indicates the core business did not generate cash, which may strain liquidity and limit the ability to service debt or fund operations without external financing. The negative operating cash flow to net profit ratio of -1.18x shows a significant mismatch between reported profit and cash generation. 经营现金流净流出表明主营业务未能产生现金，可能影响流动性，限制偿债或运营资金能力，需依赖外部融资。经营现金流与净利润之比为-1.18倍，显示盈利与现金流严重背离。 |
- Operating cash flow per share in the next annual report.
下一年度报告中的每股经营现金流。 - Attributable net profit for the full year 2026.
2026全年归母净利润。 - Liabilities to assets ratio at year-end 2026.
2026年末资产负债率。
- Company: Jiangsu Jiangyin Rural Commercial Bank 江阴银行, Shenzhen Stock Exchange 002807; industry Banks; listed 2 Sep 2016.
公司：江阴银行，深圳证券交易所 002807；行业：银行；上市日期：2016年9月2日。 - Close on 24 Sep 2026 RMB4.16; close on 24 Sep 2025 RMB4.56, RMB3.95 in today's terms; one-year change, adjusted for distributions and share changes +5.3%.
2026年9月24日收盘价4.16元；2025年9月24日收盘价4.56元（前复权3.95元）；一年涨跌幅（复权）+5.3%。 - 52-week range in today's terms, adjusted for distributions and share changes RMB3.71 to RMB4.53.
52周区间（前复权）3.71元至4.53元。 - Market capitalisation RMB11.26bn; P/E TTM 5.4; price to book 0.55x.
总市值112.63亿元；市盈率（TTM）5.4；市净率0.55倍。 - Revenue 2025 RMB4.12bn; 2024 RMB3.96bn; change +4.1%.
营业收入2025年41.25亿元；2024年39.62亿元；同比+4.1%。 - Attributable net profit 2025 RMB2.05bn; 2024 RMB2.04bn; change +0.6%.
归属于母公司股东的净利润2025年20.49亿元；2024年20.37亿元；同比+0.6%。 - Net profit excluding non-recurring items, 2025 change +1.3%.
2025年扣除非经常性损益后的净利润同比+1.3%。 - Basic EPS 2025 RMB0.83; 2024 RMB0.84.
基本每股收益2025年0.83元；2024年0.84元。 - Operating cash flow per share 2025 -RMB0.97; 2024 RMB1.50; operating cash flow to net profit -1.18x.
每股经营现金流2025年-0.97元；2024年1.50元；经营现金流与净利润之比-1.18倍。 - 2025 gross margin not shown; net margin 49.0%; ROE 10.7%.
2025年毛利率未披露；净利率49.0%；净资产收益率10.7%。 - At 30 Jun 2026: liabilities to assets 91.1%; current ratio not shown; quick ratio not shown; receivable days not shown; inventory days not shown.
截至2026年6月30日：资产负债率91.1%；流动比率未披露；速动比率未披露；应收账款周转天数未披露；存货周转天数未披露。 - Period to 30 Jun 2026 (six months, not comparable with the full years above): revenue RMB2.45bn, change +2.0%; attributable net profit RMB865.8m, change +2.3%; operating cash flow per share RMB3.75.
截至2026年6月30日的报告期（六个月，不可与上述全年数据直接比较）：营业收入24.49亿元，同比+2.0%；归母净利润8.66亿元，同比+2.3%；每股经营现金流3.75元。 - Ownership: largest holder at 30 Jun 2026: 江苏江南水务股份有限公司, 5.76%.
股权：2026年6月30日第一大股东：江苏江南水务股份有限公司，持股5.76%。 - Latest distribution: ex-date 29 May 2026, cash RMB0.12 per share and 1 new shares for every 10 held.
最近一次分配：除权除息日2026年5月29日，每股现金0.12元，每10股送转1股。 - Aurelian Grade C, score 51.6 of 100, graded within a peer group of 42 companies in its industry; no rank among peers is given.
金源评级C，得分51.6（满分100），于行业同业42家中评定；未提供其在同业中的排名。 - Not held for this report: receivable ageing, litigation case amounts, the order book, the auditor's opinion and key audit matters, segment revenue.
本报告未掌握：应收账款账龄、诉讼案件金额、在手订单、审计意见及关键审计事项、分部收入。