Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) FCF Yield %: 3.24 (As of Jul. 31, 2026) — 87% Below Median

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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 FCF Yield %?

Jiangsu Suzhou Rural Commercial Bank Co SHSE:603323 63 FCF Yield % is 3.24 as of Jul. 31, 2026, which is 87% below its 10-year median of 24.59. 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. Among 1,502 Banks companies, Jiangsu Suzhou Rural Commercial Bank Co ranks worse than 67.38% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Jiangsu Suzhou Rural Commercial Bank Co's Trailing 12-Month Free Cash Flow is ¥318 Mil, and Market Cap is ¥9,792 Mil. Therefore, Jiangsu Suzhou Rural Commercial Bank Co's FCF Yield % for today is 3.24%.

The historical rank and industry rank for Jiangsu Suzhou Rural Commercial Bank Co's FCF Yield % or its related term are showing as below:

SHSE:603323' s FCF Yield % Range Over the Past 10 Years
Min: -55.09   Med: 24.59   Max: 150.55
Current: 3.24


During the past 13 years, the highest FCF Yield % of Jiangsu Suzhou Rural Commercial Bank Co was 150.55%. The lowest was -55.09%. And the median was 24.59%.

SHSE:603323's FCF Yield % is ranked worse than
67.38% of 1502 companies
in the Banks industry
Industry Median: 7.9 vs SHSE:603323: 3.24

Jiangsu Suzhou Rural Commercial Bank Co's FCF Margin % for the quarter that ended in Mar. 2026 was -470.96%.


Jiangsu Suzhou Rural Commercial Bank Co FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Jiangsu Suzhou Rural Commercial Bank Co FCF Yield % Related Terms


Jiangsu Suzhou Rural Commercial Bank Co FCF Yield % Historical Data

* Premium members only.

The historical data trend for Jiangsu Suzhou Rural Commercial Bank Co's FCF Yield % 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 FCF Yield % Chart

Jiangsu Suzhou Rural Commercial Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -22.85 73.23 76.03 30.24 71.20

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
FCF Yield % 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 64.11 34.12 175.19 13.77 -217.66

Jiangsu Suzhou Rural Commercial Bank Co FCF Yield % Competitor Comparison

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

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

* The bar in red indicates where Jiangsu Suzhou Rural Commercial Bank Co's FCF Yield % falls into.


SHSE:603323
63GF Score
Jiangsu Suzhou Rural Commercial Bank Co Ltd SHSE:603323
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Jiangsu Suzhou Rural Commercial Bank Co FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Jiangsu Suzhou Rural Commercial Bank Co's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=7257.645 / 10193.635979964
=71.20%

Jiangsu Suzhou Rural Commercial Bank Co's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=-5393.054 * 4 / 9911.039519856
=-217.66%

* 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.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of 3.24 mean?
Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) has a FCF Yield % of 3.24 as of Jul. 31, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Jiangsu Suzhou Rural Commercial Bank Co and its competitors. This is 87% below median its historical median of 24.59. According to the industry distribution chart, Jiangsu Suzhou Rural Commercial Bank Co ranks #1012 out of 1502 companies in the Banks industry, placing it in the top 67.4%.
Is Jiangsu Suzhou Rural Commercial Bank Co's FCF Yield % too high?
Jiangsu Suzhou Rural Commercial Bank Co's current FCF Yield % of 3.24 is 87% below median its 10-year median of 24.59. The Banks industry median FCF Yield % is 7.90. Jiangsu Suzhou Rural Commercial Bank Co's value of 3.24 is 59% below this industry median. Based on the distribution chart, Jiangsu Suzhou Rural Commercial Bank Co ranks #1012 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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 FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Jiangsu Suzhou Rural Commercial Bank Co ranks #1012 out of 1502 companies for FCF Yield %. This places Jiangsu Suzhou Rural Commercial Bank Co in the lower half of its industry. The industry median FCF Yield % is 7.90. Jiangsu Suzhou Rural Commercial Bank Co's value of 3.24 is 59% below this benchmark. While the company's 10-year median is 24.59 vs. the industry median of 7.90, Jiangsu Suzhou 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.90, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiangsu Suzhou Rural Commercial Bank Co's current FCF Yield % of 3.24 is 59% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Jiangsu Suzhou Rural Commercial Bank Co and its competitors. For the Banks industry, the median FCF Yield % is 7.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiangsu Suzhou Rural Commercial Bank Co's current FCF Yield % is 3.24, which is 87% below median its own 10-year median of 24.59. 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 FCF Yield % is 3.24, which is 87% below median its 10-year median of 24.59 and 59% below the Banks industry median of 7.90. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323), the current FCF Yield % is 3.24 as of Jul. 31, 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:

  • FCF Yield %: 3.24 (87% below median its 10-year median of 24.59)
  • GF Value™: ¥4.49 vs. price of ¥4.41 (1.8% below fair value)
  • GF Score™: 63/100 with 5 warning signs
  • Industry Position: 59% below the Banks median (#1012 of 1502)

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

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

¥4.41
Price
¥4.49
GF Value