Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) Cyclically Adjusted Book per Share: ¥6.41 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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SHSE:603323 Jiangsu Suzhou Rural Commercial Bank Co Ltd SHSE:603323
63 GF Score
Price ¥4.41
GF Value ¥4.49
Valuation Fairly Valued
! 5 Warning Signs
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What is Jiangsu Suzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share?

Jiangsu Suzhou Rural Commercial Bank Co SHSE:603323 63 Cyclically Adjusted Book per Share is ¥6.41 as of Mar. 2026. GuruFocus rates SHSE:603323 with a GF Score™ of 63/100 and a GF Value™ of ¥4.49 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Jiangsu Suzhou Rural Commercial Bank Co's adjusted book value per share for the three months ended in Mar. 2026 was ¥8.722. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ¥6.41 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jiangsu Suzhou Rural Commercial Bank Co's average Cyclically Adjusted Book Growth Rate was 5.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Jiangsu Suzhou Rural Commercial Bank Co was 7.80% per year. The lowest was 7.80% per year. And the median was 7.80% per year.

As of today (2026-07-31), Jiangsu Suzhou Rural Commercial Bank Co's current stock price is ¥4.41. Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ¥6.41. Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted PB Ratio of today is 0.69.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Jiangsu Suzhou Rural Commercial Bank Co was 0.88. The lowest was 0.59. And the median was 0.72.


Jiangsu Suzhou Rural Commercial Bank Co  (SHSE:603323) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=4.41/6.41
=0.69

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Jiangsu Suzhou Rural Commercial Bank Co was 0.88. The lowest was 0.59. And the median was 0.72.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Jiangsu Suzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share Related Terms


Jiangsu Suzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Jiangsu Suzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share Chart

Jiangsu Suzhou Rural Commercial Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 5.05 5.61 5.99 6.33

Jiangsu Suzhou Rural Commercial Bank Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.08 6.15 6.23 6.33 6.41

Jiangsu Suzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Jiangsu Suzhou Rural Commercial Bank Co Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted PB Ratio falls into.


SHSE:603323
63GF Score
Jiangsu Suzhou Rural Commercial Bank Co Ltd SHSE:603323
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jiangsu Suzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Jiangsu Suzhou Rural Commercial Bank Co's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=8.722/116.3033*116.3033
=8.722

Current CPI (Mar. 2026) = 116.3033.

Jiangsu Suzhou Rural Commercial Bank Co Quarterly Data

Book Value per Share CPI Adj_Book
201606 5.129 101.400 5.883
201609 4.743 102.400 5.387
201612 5.245 102.600 5.946
201703 5.350 103.200 6.029
201706 5.480 103.100 6.182
201709 4.304 104.100 4.809
201712 4.341 104.500 4.831
201803 4.450 105.300 4.915
201806 4.520 104.900 5.011
201809 4.784 106.600 5.219
201812 4.955 106.500 5.411
201903 5.127 107.700 5.537
201906 5.057 107.700 5.461
201909 5.207 109.800 5.515
201912 5.277 111.200 5.519
202003 5.437 112.300 5.631
202006 5.362 110.400 5.649
202009 5.500 111.700 5.727
202012 5.510 111.500 5.747
202103 5.667 112.662 5.850
202106 5.719 111.769 5.951
202109 5.976 112.215 6.194
202112 6.026 113.108 6.196
202203 6.196 114.335 6.303
202206 6.269 114.558 6.365
202209 6.596 115.339 6.651
202212 6.509 115.116 6.576
202303 6.737 115.116 6.807
202306 6.922 114.558 7.027
202309 7.068 115.339 7.127
202312 7.234 114.781 7.330
202403 7.390 115.227 7.459
202406 7.577 114.781 7.677
202409 7.711 115.785 7.746
202412 8.126 114.893 8.226
202503 8.269 115.116 8.354
202506 8.357 114.907 8.459
202509 8.416 115.471 8.477
202512 8.502 115.832 8.537
202603 8.722 116.303 8.722

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ¥6.41 mean?
Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) has a Cyclically Adjusted Book per Share of ¥6.41 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Jiangsu Suzhou Rural Commercial Bank Co and its competitors.
Is Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share too high?
Jiangsu Suzhou Rural Commercial Bank Co's current Cyclically Adjusted Book per Share is ¥6.41. Overall, Jiangsu Suzhou Rural Commercial Bank Co has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share compare to competitors?
Jiangsu Suzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share of ¥6.41 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Jiangsu Suzhou Rural Commercial Bank Co and its competitors. Jiangsu Suzhou Rural Commercial Bank Co's current Cyclically Adjusted Book per Share is ¥6.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jiangsu Suzhou Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) is currently considered Fairly Valued. The stock's GF Value™ is ¥4.49, compared to a current price of ¥4.41 — trading 1.8% below its estimated fair value. The current Cyclically Adjusted Book per Share is ¥6.41. Jiangsu Suzhou Rural Commercial Bank Co's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323), the current Cyclically Adjusted Book per Share is ¥6.41 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) Overvalued in 2026?

Based on GuruFocus' analysis, Jiangsu Suzhou Rural Commercial Bank Co stock appears to be undervalued. The current stock price of ¥4.41 is trading 1.8% below its estimated GF Value™ of ¥4.49. GuruFocus considers Jiangsu Suzhou Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:603323:

  • Cyclically Adjusted Book per Share: ¥6.41
  • GF Value™: ¥4.49 vs. price of ¥4.41 (1.8% below fair value)
  • GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the SHSE:603323 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jiangsu Suzhou Rural Commercial Bank Co Business Description

Address No. 1777 Zhongshan South Road, Wujiang District, Jiangsu Province, Suzhou, CHN, 215200
Jiangsu Suzhou Rural Commercial Bank Co Ltd formerly known as Jiangsu Wujiang Rural Commercial Bank Co Ltd is a commercial bank in China. The company's business scope includes absorbing public deposits; issuing short-term, medium-term and long-term loans; handling domestic and international settlement business; bill acceptance and discounting; agency receipt and underwriting government bonds. In addition, the company also engages in interbank lending; provision of safe deposit box services; foreign exchange deposits; sale of foreign exchange and credit investigation.
63GF Score

Get the complete analysis for SHSE:603323

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥4.41
Price
¥4.49
GF Value