Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) Cyclically Adjusted PS Ratio: 2.19 (As of Aug. 24, 2026) — Near Median

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SHSE:601860 Jiangsu Zijin Rural Commercial Bank Co Ltd SHSE:601860
62 GF Score
Price ¥2.56
GF Value ¥2.51
Valuation Fairly Valued
! 3 Warning Signs
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What is Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted PS Ratio?

Jiangsu Zijin Rural Commercial Bank Co SHSE:601860 +1.59% 62 Cyclically Adjusted PS Ratio is 2.19 as of Aug. 24, 2026, which is 6% below its 10-year median of 2.33. GuruFocus rates SHSE:601860 with a GF Score™ of 62/100 and a GF Value™ of ¥2.51 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,300 Banks companies, Jiangsu Zijin Rural Commercial Bank Co ranks better than 73.54% on this metric.

As of today (2026-08-24), Jiangsu Zijin Rural Commercial Bank Co's current share price is ¥2.56. Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was ¥1.17. Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio for today is 2.19.

The historical rank and industry rank for Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio or its related term are showing as below:

SHSE:601860' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.03   Med: 2.33   Max: 2.75
Current: 2.16

During the past years, Jiangsu Zijin Rural Commercial Bank Co's highest Cyclically Adjusted PS Ratio was 2.75. The lowest was 2.03. And the median was 2.33.

SHSE:601860's Cyclically Adjusted PS Ratio is ranked better than
73.54% of 1300 companies
in the Banks industry
Industry Median: 3.415 vs SHSE:601860: 2.16

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Jiangsu Zijin Rural Commercial Bank Co's adjusted revenue per share data for the three months ended in Mar. 2026 was ¥0.267. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is ¥1.17 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Jiangsu Zijin Rural Commercial Bank Co  (SHSE:601860) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted PS Ratio Related Terms


Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio 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 Zijin Rural Commercial Bank Co Cyclically Adjusted PS Ratio Chart

Jiangsu Zijin Rural Commercial Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 2.13 2.43 2.37

Jiangsu Zijin 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 PS Ratio 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 2.36 2.57 2.40 2.37 2.38

Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Zijin Rural Commercial Bank Co Cyclically Adjusted PS Ratio vs Banks Industry

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

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


SHSE:601860
62GF Score
Jiangsu Zijin Rural Commercial Bank Co Ltd SHSE:601860
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=2.56/1.17
=2.19

* 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 Zijin Rural Commercial Bank Co's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.267/116.3033*116.3033
=0.267

Current CPI (Mar. 2026) = 116.3033.

Jiangsu Zijin Rural Commercial Bank Co Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.351 101.400 0.403
201609 0.759 102.400 0.862
201612 -0.292 102.600 -0.331
201703 0.255 103.200 0.287
201706 0.271 103.100 0.306
201709 0.000 104.100 0.000
201712 0.000 104.500 0.000
201803 0.284 105.300 0.314
201806 0.282 104.900 0.313
201809 0.296 106.600 0.323
201812 0.381 106.500 0.416
201903 0.330 107.700 0.356
201906 0.328 107.700 0.354
201909 0.322 109.800 0.341
201912 0.300 111.200 0.314
202003 0.367 112.300 0.380
202006 0.299 110.400 0.315
202009 0.257 111.700 0.268
202012 0.218 111.500 0.227
202103 0.246 112.662 0.254
202106 0.277 111.769 0.288
202109 0.318 112.215 0.330
202112 0.243 113.108 0.250
202203 0.260 114.335 0.264
202206 0.280 114.558 0.284
202209 0.281 115.339 0.283
202212 0.275 115.116 0.278
202303 0.274 115.116 0.277
202306 0.249 114.558 0.253
202309 0.261 115.339 0.263
202312 0.270 114.781 0.274
202403 0.291 115.227 0.294
202406 0.252 114.781 0.255
202409 0.260 115.785 0.261
202412 0.259 114.893 0.262
202503 0.265 115.116 0.268
202506 0.274 114.907 0.277
202509 0.222 115.471 0.224
202512 0.227 115.832 0.228
202603 0.267 116.303 0.267

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

What does a Cyclically Adjusted PS Ratio of 2.19 mean?
Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) has a Cyclically Adjusted PS Ratio of 2.19 as of Aug. 24, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Jiangsu Zijin Rural Commercial Bank Co and its competitors. This is near median its historical median of 2.33. Over the past decade, Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio has ranged from 2.03 to 2.75. According to the industry distribution chart, Jiangsu Zijin Rural Commercial Bank Co ranks #344 out of 1300 companies in the Banks industry, placing it in the top 26.5%.
Is Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio too high?
Jiangsu Zijin Rural Commercial Bank Co's current Cyclically Adjusted PS Ratio of 2.19 is near median its 10-year median of 2.33. Over the past 10 years, this metric has ranged from a low of 2.03 to a high of 2.75. The Banks industry median Cyclically Adjusted PS Ratio is 3.42. Jiangsu Zijin Rural Commercial Bank Co's value of 2.19 is 35.9% below this industry median. Based on the distribution chart, Jiangsu Zijin Rural Commercial Bank Co ranks #344 out of 1300 companies in the Banks industry, which is above the industry midpoint. Overall, Jiangsu Zijin Rural Commercial Bank Co has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted PS Ratio compare to competitors?
According to the Banks industry distribution chart, Jiangsu Zijin Rural Commercial Bank Co ranks #344 out of 1300 companies for Cyclically Adjusted PS Ratio. This puts Jiangsu Zijin Rural Commercial Bank Co in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.42. Jiangsu Zijin Rural Commercial Bank Co's value of 2.19 is 35.9% below this benchmark. Historically, Jiangsu Zijin Rural Commercial Bank Co's own Cyclically Adjusted PS Ratio has ranged from 2.03 to 2.75 over the past decade. While the company's 10-year median is 2.33 vs. the industry median of 3.42, Jiangsu Zijin Rural Commercial Bank Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.42, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiangsu Zijin Rural Commercial Bank Co's current Cyclically Adjusted PS Ratio of 2.19 is 35.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Jiangsu Zijin Rural Commercial Bank Co and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiangsu Zijin Rural Commercial Bank Co's current Cyclically Adjusted PS Ratio is 2.19, which is near median its own 10-year median of 2.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jiangsu Zijin Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) is currently considered Fairly Valued. The stock's GF Value™ is ¥2.51, compared to a current price of ¥2.56 — trading 2% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 2.19, which is near median its 10-year median of 2.33 and 35.9% below the Banks industry median of 3.42. Jiangsu Zijin Rural Commercial Bank Co's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860), the current Cyclically Adjusted PS Ratio is 2.19 as of Aug. 24, 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 Zijin Rural Commercial Bank Co (SHSE:601860) Overvalued in 2026?

Based on GuruFocus' analysis, Jiangsu Zijin Rural Commercial Bank Co stock appears to be overvalued. The current stock price of ¥2.56 is trading 2% above its estimated GF Value™ of ¥2.51. GuruFocus considers Jiangsu Zijin Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:601860:

  • Cyclically Adjusted PS Ratio: 2.19 (near median its 10-year median of 2.33)
  • GF Value™: ¥2.51 vs. price of ¥2.56 (2% above fair value)
  • GF Score™: 62/100 with 3 warning signs
  • Industry Position: 35.9% below the Banks median (#344 of 1300)

No single metric tells the full story. See the SHSE:601860 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jiangsu Zijin Rural Commercial Bank Co Business Description

Address No. 381, Jiangdong Middle Road, Jianye District, Jiangsu Province, Nanjing, CHN, 210019
Jiangsu Zijin Rural Commercial Bank Co Ltd is engaged in Corporate finance, personal finance, treasury operations and others.
62GF Score

Get the complete analysis for SHSE:601860

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

¥2.56
Price
¥2.51
GF Value