Jinshang Bank Co., Ltd. Class H (HK:2558)
:2558
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Jinshang Bank Co., Ltd. Class H
(2558)
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Rating:67Neutral
Price Target:
HK$1.50
▲(6.38% Upside)
Action:ReiteratedDate:04/09/26
The score is primarily supported by very attractive valuation (low P/E and high dividend yield). Financial performance is moderate due to resilient earnings and steady ROE, but it is held back by volatile cash flows and leverage/inconsistency across periods. Technical indicators are neutral, with the stock trading near major moving averages and only mild momentum signals.
Positive Factors
Consistent Profitability
Jinshang Bank’s multi-year net income stability and mid-single-digit ROE indicate a durable core earnings engine from lending and fee businesses. Reliable profits support internal capital generation, dividend capacity and measured reinvestment into branches and digital channels over the medium term.
Negative Factors
Volatile Cash Generation
Large swings in operating and free cash flow reduce visibility into true cash conversion and strain short‑term liquidity planning. For a bank, such volatility can hamper funding flexibility, increase reliance on wholesale markets during stress, and complicate prudent capital deployment over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Profitability
Jinshang Bank’s multi-year net income stability and mid-single-digit ROE indicate a durable core earnings engine from lending and fee businesses. Reliable profits support internal capital generation, dividend capacity and measured reinvestment into branches and digital channels over the medium term.
Read all positive factors
Jinshang Bank Co., Ltd. Class H (2558) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$8.06B
Dividend Yield6.22%
Average Volume (3M)7.97K
Price to Earnings (P/E)1.8
Beta (1Y)0.06
Revenue Growth-1.76%
EPS Growth-11.39%
CountryHK
Employees4,373
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.12
Shares Outstanding970,650,000
10 Day Avg. Volume2,100
30 Day Avg. Volume7,966
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
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. provides commercial banking services in Shanxi Province, China. The company operates through Corporate Banking, Retail Banking, and Treasury Business segments. The company offers corporate banking services, including deposi...
How the Company Makes Money
Jinshang Bank primarily makes money through (1) net interest income, earning interest on loans and other interest-bearing assets (such as interbank placements and investment securities) and paying interest on funding sources (primarily customer de...
Jinshang Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
48
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 12.32B | 4.12B | 4.37B | 4.02B | 3.74B |
| Gross Profit | 3.82B | 5.97B | 4.37B | 4.02B | 3.74B |
| EBITDA | 1.93B | 2.13B | 0.00 | 2.18B | 2.01B |
| Net Income | 1.62B | 1.76B | 2.00B | 1.84B | 1.69B |
Balance Sheet | |||||
| Total Assets | 393.37B | 376.31B | 361.31B | 336.42B | 303.29B |
| Cash, Cash Equivalents and Short-Term Investments | 41.70B | 8.64B | 12.06B | 20.33B | 28.65B |
| Total Debt | 42.99B | 2.00B | 2.00B | 33.86B | 59.30B |
| Total Liabilities | 366.27B | 348.28B | 336.49B | 313.07B | 281.13B |
| Stockholders Equity | 27.10B | 28.02B | 24.80B | 23.34B | 22.14B |
Cash Flow | |||||
| Free Cash Flow | 1.74B | -9.17B | 8.00B | 24.83B | 2.42B |
| Operating Cash Flow | 1.87B | -9.03B | 8.26B | 24.98B | 2.61B |
| Investing Cash Flow | -10.51B | -14.96B | 11.67B | -8.93B | 232.42M |
| Financing Cash Flow | 14.81B | 20.57B | 19.55B | -27.22B | 4.38B |
Jinshang Bank Co., Ltd. Class H Technical Analysis
Neutral
1.41
Price Trends
1.37
Positive
1.37
Positive
1.39
Negative
Market Momentum
<0.01
Positive
53.27
Neutral
84.26
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2558, the sentiment is Neutral. The current price of 1.41 is above the 20-day moving average (MA) of 1.38, above the 50-day MA of 1.37, and above the 200-day MA of 1.39, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 53.27 is Neutral, neither overbought nor oversold. The STOCH value of 84.26 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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$8.06B | 1.84 | 6.28% | 6.22% | -1.76% | -11.39% | |
63 Neutral | HK$5.68B | 3.53 | 12.63% | 5.84% | -3.25% | 22.96% | |
52 Neutral | HK$4.16B | 3.86 | 2.08% | 6.21% | -8.55% | 539.20% | |
51 Neutral | HK$3.85B | 3.10 | 1.70% | ― | 0.06% | 43.86% | |
50 Neutral | HK$13.90B | 5.08 | 0.67% | ― | -6.29% | -6.68% | |
50 Neutral | HK$6.29B | -3.44 | 0.50% | 3.72% | -8.91% | ― |
* Financial Sector Average
HK:2558
Jinshang Bank Co., Ltd. Class H
1.38
0.06
4.55%
HK:2066
Shengjing Bank Co. Ltd. Class H
1.58
0.65
69.78%
HK:6190
Bank of Jiujiang Co., Ltd. Class H
2.21
-2.41
-52.20%
HK:6138
Harbin Bank Co., Ltd. Class H
0.35
0.06
20.69%
HK:1916
Jiangxi Bank Co., Ltd. Class H
0.69
-0.01
-1.43%
HK:1983
Luzhou Bank Co., Ltd. Class H
2.09
-0.84
-28.67%
Jinshang Bank Co., Ltd. Class H Corporate Events
Jinshang Bank Publishes Audited 2025 Annual Results and Confirms Hong Kong Disclosure Compliance
Mar 29, 2026
Jinshang Bank Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, operates primarily under mainland regulatory oversight and is explicitly not licensed as a banking institution in Hong Kong. Its governance structure incl...
Jinshang Bank Proposes Final 2025 Dividend and Details H-Share Tax Treatment
Mar 29, 2026
Jinshang Bank has proposed a final ordinary cash dividend of RMB 5 per 100 shares for the financial year ended 31 December 2025, with shareholder approval scheduled for 26 June 2026 and payment set for 20 August 2026. The bank has also outlined th...
Jinshang Bank Revamps Board Secretariat Roles Under HKEX Waiver
Mar 27, 2026
Jinshang Bank has announced a reshuffle of its corporate governance roles, appointing Au Kai Yin as joint company secretary, authorised representative in Hong Kong, and process agent, effective March 27, 2026. Executive director and vice president...
Jinshang Bank Sets March 27 Board Meeting to Approve 2025 Results and Consider Dividend
Mar 17, 2026
Jinshang Bank Co., Ltd. has scheduled a board meeting for March 27, 2026 to review and approve the annual results of the bank and its subsidiary for the financial year ended December 31, 2025, and to authorize their publication. The board will als...
Jinshang Bank Completes Connected Assets Transfer to Bolster Working Capital
Mar 4, 2026
Jinshang Bank Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, announced that it operates under mainland Chinese regulation and is not supervised as an authorised institution by the Hong Kong Monetary Authority. Its p...
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.