Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) E10: ¥0.59 (As of Mar. 2026)

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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
View Full Analysis

What is Jiangsu Suzhou Rural Commercial Bank Co E10?

Jiangsu Suzhou Rural Commercial Bank Co SHSE:603323 63 E10 is ¥0.59 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Jiangsu Suzhou Rural Commercial Bank Co's adjusted earnings per share data for the three months ended in Mar. 2026 was ¥0.209. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ¥0.59 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jiangsu Suzhou Rural Commercial Bank Co's average E10 Growth Rate was 9.30% per year. During the past 3 years, the average E10 Growth Rate was 8.00% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Jiangsu Suzhou Rural Commercial Bank Co was 8.00% per year. The lowest was 8.00% per year. And the median was 8.00% 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 E10 for the quarter that ended in Mar. 2026 was ¥0.59. Jiangsu Suzhou Rural Commercial Bank Co's Shiller PE Ratio of today is 7.47.

During the past 13 years, the highest Shiller PE Ratio of Jiangsu Suzhou Rural Commercial Bank Co was 9.90. The lowest was 6.68. And the median was 8.01.


Jiangsu Suzhou Rural Commercial Bank Co  (SHSE:603323) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Jiangsu Suzhou Rural Commercial Bank Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.41/0.59
=7.47

* 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 Shiller P/E Ratio of Jiangsu Suzhou Rural Commercial Bank Co was 9.90. The lowest was 6.68. And the median was 8.01.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Jiangsu Suzhou Rural Commercial Bank Co E10 Related Terms


Jiangsu Suzhou Rural Commercial Bank Co E10 Historical Data

* Premium members only.

The historical data trend for Jiangsu Suzhou Rural Commercial Bank Co's E10 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 E10 Chart

Jiangsu Suzhou Rural Commercial Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.46 0.49 0.53 0.58

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
E10 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 0.54 0.55 0.57 0.58 0.59

Jiangsu Suzhou Rural Commercial Bank Co E10 Competitor Comparison

For the Banks - Regional subindustry, Jiangsu Suzhou Rural Commercial Bank Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Jiangsu Suzhou Rural Commercial Bank Co's Shiller PE Ratio falls into.


SHSE:603323
63GF Score
Jiangsu Suzhou Rural Commercial Bank Co Ltd SHSE:603323
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jiangsu Suzhou Rural Commercial Bank Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.209/116.3033*116.3033
=0.209

Current CPI (Mar. 2026) = 116.3033.

Jiangsu Suzhou Rural Commercial Bank Co Quarterly Data

per share eps CPI Adj_EPS
201606 0.177 101.400 0.203
201609 0.098 102.400 0.111
201612 0.045 102.600 0.051
201703 0.090 103.200 0.101
201706 0.135 103.100 0.152
201709 0.105 104.100 0.117
201712 0.045 104.500 0.050
201803 0.098 105.300 0.108
201806 0.161 104.900 0.179
201809 0.099 106.600 0.108
201812 0.033 106.500 0.036
201903 0.099 107.700 0.107
201906 0.149 107.700 0.161
201909 0.099 109.800 0.105
201912 0.033 111.200 0.035
202003 0.099 112.300 0.103
202006 0.149 110.400 0.157
202009 0.124 111.700 0.129
202012 0.033 111.500 0.034
202103 0.107 112.662 0.110
202106 0.182 111.769 0.189
202109 0.140 112.215 0.145
202112 0.050 113.108 0.051
202203 0.132 114.335 0.134
202206 0.215 114.558 0.218
202209 0.174 115.339 0.175
202212 0.099 115.116 0.100
202303 0.149 115.116 0.151
202306 0.248 114.558 0.252
202309 0.198 115.339 0.200
202312 0.124 114.781 0.126
202403 0.174 115.227 0.176
202406 0.290 114.781 0.294
202409 0.318 115.785 0.319
202412 0.064 114.893 0.065
202503 0.218 115.116 0.220
202506 0.309 114.907 0.313
202509 0.245 115.471 0.247
202512 0.145 115.832 0.146
202603 0.209 116.303 0.209

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ¥0.59 mean?
Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) has a E10 of ¥0.59 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings 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 E10 too high?
Jiangsu Suzhou Rural Commercial Bank Co's current E10 is ¥0.59. 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 E10 compare to competitors?
Jiangsu Suzhou Rural Commercial Bank Co's E10 of ¥0.59 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings 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 E10 is ¥0.59. 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 E10 is ¥0.59. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323), the current E10 is ¥0.59 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:

  • E10: ¥0.59
  • 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥4.41
Price
¥4.49
GF Value