Bank of Jiujiang Co (STU:BJ8) Margin of Safety % (DCF Dividends Based): -40.00% (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:BJ8 Bank of Jiujiang Co Ltd STU:BJ8
64 GF Score
Price €0.29
GF Value €0.50
! 4 Warning Signs
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What is Bank of Jiujiang Co Margin of Safety % (DCF Dividends Based)?

Bank of Jiujiang Co STU:BJ8 +13.95% 64 Margin of Safety % (DCF Dividends Based) is -40.00% as of Jul. 15, 2026. GuruFocus rates STU:BJ8 with a GF Score™ of 64/100 and a GF Value™ of €0.50. The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-15), Bank of Jiujiang Co's Predictability Rank is 2-Stars. Bank of Jiujiang Co's intrinsic value calculated from the Discounted Dividend model is €0.23 and current share price is €0.294. Consequently,

Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is -40.00%.

Bank of Jiujiang Co Margin of Safety % (DCF Dividends Based) Competitor Comparison

For the Banks - Regional subindustry, Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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.

Bank of Jiujiang Co Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based) falls into.


STU:BJ8
64GF Score
Bank of Jiujiang Co Ltd STU:BJ8
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Jiujiang Co Margin of Safety % (DCF Dividends Based) Calculation

Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(0.21-0.294)/0.21
=-40.00 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of -40.00% mean?
Bank of Jiujiang Co (STU:BJ8) has a Margin of Safety % (DCF Dividends Based) of -40.00% as of Jul. 15, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Bank of Jiujiang Co.
Is Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based) too high?
Bank of Jiujiang Co's current Margin of Safety % (DCF Dividends Based) is -40.00%. Overall, Bank of Jiujiang Co has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based) compare to competitors?
Bank of Jiujiang Co's Margin of Safety % (DCF Dividends Based) of -40.00% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Bank of Jiujiang Co. Bank of Jiujiang Co's current Margin of Safety % (DCF Dividends Based) is -40.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Jiujiang Co stock overvalued right now?
Bank of Jiujiang Co (STU:BJ8) has a current Margin of Safety % (DCF Dividends Based) of -40.00%. The stock's GF Value™ is €0.50, compared to a current price of €0.29 — trading 41.2% below its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is -40.00%. Bank of Jiujiang Co's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Bank of Jiujiang Co (STU:BJ8), the current Margin of Safety % (DCF Dividends Based) is -40.00% as of Jul. 15, 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 Bank of Jiujiang Co (STU:BJ8) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Jiujiang Co stock appears to be undervalued. The current stock price of €0.29 is trading 41.2% below its estimated GF Value™ of €0.50.

Key valuation signals for STU:BJ8:

  • Margin of Safety % (DCF Dividends Based): -40.00%
  • GF Value™: €0.50 vs. price of €0.29 (41.2% below fair value)
  • GF Score™: 64/100 with 4 warning signs

No single metric tells the full story. See the STU:BJ8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of Jiujiang Co Business Description

Other Exchanges 06190:Hong Kong
Address No. 619 Changhong Avenue, Lianxi District, Jiangxi Province, Jiujiang, CHN, 332000
Bank of Jiujiang Co Ltd is a banking institution. The principal activities of the Bank and its subsidiaries comprise public deposit taking, granting short-term, medium-term and long-term loans; handling domestic and overseas settlements; bill acceptance, settlement and discounting; issuing financial bonds; acting as agent to issue, settle and underwrite government bonds; trading of government bonds and financial bonds; inter-bank placement; providing letters of credit services and guarantees; acting as agent on inward and outward payments and selling of securities investment funds and other approved business. The Group has three operating segments: Corporate banking, Retail banking, and Financial market business. The Group generates maximum revenue from the Corporate Banking segment.
64GF Score

Get the complete analysis for STU:BJ8

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.29
Price
€0.50
GF Value