Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) Moat Score: 0/10 (As of Jul. 25, 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.
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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.

SHSE:601860 Jiangsu Zijin Rural Commercial Bank Co Ltd SHSE:601860
59 GF Score
Price ¥2.56
GF Value ¥2.52
Valuation Fairly Valued
! 3 Warning Signs
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What is Jiangsu Zijin Rural Commercial Bank Co Moat Score?

Jiangsu Zijin Rural Commercial Bank Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Jiangsu Zijin Rural Commercial Bank Co has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Jiangsu Zijin Rural Commercial Bank Co might have No Moat - No discernible moat.

Jiangsu Zijin Rural Commercial Bank Co  (SHSE:601860) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Jiangsu Zijin Rural Commercial Bank Co Moat Score Related Terms

SHSE:601860
59GF Score
Jiangsu Zijin Rural Commercial Bank Co Ltd SHSE:601860
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 1.6% above its estimated GF Value™ of ¥2.52. GuruFocus considers Jiangsu Zijin Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:601860:

  • Moat Score: 0
  • GF Value™: ¥2.52 vs. price of ¥2.56 (1.6% above fair value)
  • GF Score™: 59/100 with 3 warning signs

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.
59GF Score

Get the complete analysis for SHSE:601860

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

¥2.56
Price
¥2.52
GF Value