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Jiangsu Zhangjiagang Rural Commercial Bank Co (SZSE:002839) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Jiangsu Zhangjiagang Rural Commercial Bank Co Net Margin % Related Terms
Jiangsu Zhangjiagang Rural Commercial Bank Co Net Margin % Historical Data
* 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 Zhangjiagang Rural Commercial Bank Co Net Margin % Chart
Jiangsu Zhangjiagang Rural Commercial Bank Co Annual Data
Jiangsu Zhangjiagang Rural Commercial Bank Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Jiangsu Zhangjiagang Rural Commercial Bank Co's Net Margin %, along with its competitors' market caps and Net Margin % 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 Zhangjiagang Rural Commercial Bank Co Net Margin % vs Banks Industry
* 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 Zhangjiagang Rural Commercial Bank Co (SZSE:002839) has a Net Margin % of 34.75% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Jiangsu Zhangjiagang Rural Commercial Bank Co and its competitors. This is 11% above median its historical median of 31.19. Over the past decade, Jiangsu Zhangjiagang Rural Commercial Bank Co's Net Margin % has ranged from 24.43 to 44.89. According to the industry distribution chart, Jiangsu Zhangjiagang Rural Commercial Bank Co ranks #149 out of 1519 companies in the Banks industry, placing it in the top 9.8%.
Is Jiangsu Zhangjiagang Rural Commercial Bank Co's Net Margin % too high?
Jiangsu Zhangjiagang Rural Commercial Bank Co's current Net Margin % of 34.75% is 11% above median its 10-year median of 31.19. Over the past 10 years, this metric has ranged from a low of 24.43 to a high of 44.89. The Banks industry median Net Margin % is 27.29. Jiangsu Zhangjiagang Rural Commercial Bank Co's value of 34.75% is 27.3% above this industry median. Based on the distribution chart, Jiangsu Zhangjiagang Rural Commercial Bank Co ranks #149 out of 1519 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Jiangsu Zhangjiagang Rural Commercial Bank Co has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jiangsu Zhangjiagang Rural Commercial Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Jiangsu Zhangjiagang Rural Commercial Bank Co ranks #149 out of 1519 companies for Net Margin %. This places Jiangsu Zhangjiagang Rural Commercial Bank Co in the top 10% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.29. Jiangsu Zhangjiagang Rural Commercial Bank Co's value of 34.75% is 27.3% above this benchmark. Historically, Jiangsu Zhangjiagang Rural Commercial Bank Co's own Net Margin % has ranged from 24.43 to 44.89 over the past decade. While the company's 10-year median is 31.19 vs. the industry median of 27.29, Jiangsu Zhangjiagang Rural Commercial Bank Co has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.29, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiangsu Zhangjiagang Rural Commercial Bank Co's current Net Margin % of 34.75% is 27.3% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Jiangsu Zhangjiagang Rural Commercial Bank Co and its competitors. For the Banks industry, the median Net Margin % is 27.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiangsu Zhangjiagang Rural Commercial Bank Co's current Net Margin % is 34.75%, which is 11% above median its own 10-year median of 31.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jiangsu Zhangjiagang Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Jiangsu Zhangjiagang Rural Commercial Bank Co (SZSE:002839) is currently considered Fairly Valued. The stock's GF Value™ is ¥4.01, compared to a current price of ¥4.29 — trading 7% above its estimated fair value. The current Net Margin % is 34.75%, which is 11% above median its 10-year median of 31.19 and 27.3% above the Banks industry median of 27.29. Jiangsu Zhangjiagang Rural Commercial Bank Co's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Jiangsu Zhangjiagang Rural Commercial Bank Co (SZSE:002839), the current Net Margin % is 34.75% as of Jun. 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 Zhangjiagang Rural Commercial Bank Co (SZSE:002839) Overvalued in 2026?
Based on GuruFocus' analysis, Jiangsu Zhangjiagang Rural Commercial Bank Co stock appears to be overvalued.
The current stock price of ¥4.29 is trading 7% above its estimated GF Value™ of ¥4.01.
GuruFocus considers Jiangsu Zhangjiagang Rural Commercial Bank Co to be Fairly Valued.
Key valuation signals for SZSE:002839:
Net Margin %: 34.75% (11% above median its 10-year median of 31.19)
GF Value™: ¥4.01 vs. price of ¥4.29 (7% above fair value)
Industry Position: 27.3% above the Banks median (#149 of 1519)
No single metric tells the full story. See the SZSE:002839 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd is engaged in providing banking products and services. It offers personal, business, internet and international banking products and services. The company also offers loans to small micro businesses.
75GF Score
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