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SHSE:601128's ROE % is ranked better than 75.59% of 1520
companies
in the Banks industry
Industry Median: 10.28
vs SHSE:601128: 14.09
Jiangsu Changshu Rural Commercial Bank Co (SHSE:601128) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Jiangsu Changshu Rural Commercial Bank Co ROE % Related Terms
Jiangsu Changshu Rural Commercial Bank Co ROE % 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 Changshu Rural Commercial Bank Co ROE % Chart
Jiangsu Changshu Rural Commercial Bank Co Annual Data
Jiangsu Changshu Rural Commercial Bank Co ROE % Competitor Comparison
For the Banks - Regional subindustry, Jiangsu Changshu Rural Commercial Bank Co's ROE %, along with its competitors' market caps and ROE % 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 Changshu Rural Commercial Bank Co ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Jiangsu Changshu Rural Commercial Bank Co (SHSE:601128) has a ROE % of 15.02% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Jiangsu Changshu Rural Commercial Bank Co and its competitors. This is 20% above median its historical median of 12.48. Over the past decade, Jiangsu Changshu Rural Commercial Bank Co's ROE % has ranged from 10.34 to 14.12. According to the industry distribution chart, Jiangsu Changshu Rural Commercial Bank Co ranks #371 out of 1520 companies in the Banks industry, placing it in the top 24.4%.
Is Jiangsu Changshu Rural Commercial Bank Co's ROE % too high?
Jiangsu Changshu Rural Commercial Bank Co's current ROE % of 15.02% is 20% above median its 10-year median of 12.48. Over the past 10 years, this metric has ranged from a low of 10.34 to a high of 14.12. The Banks industry median ROE % is 10.28. Jiangsu Changshu Rural Commercial Bank Co's value of 15.02% is 46.1% above this industry median. Based on the distribution chart, Jiangsu Changshu Rural Commercial Bank Co ranks #371 out of 1520 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Jiangsu Changshu Rural Commercial Bank Co has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jiangsu Changshu Rural Commercial Bank Co's ROE % compare to competitors?
According to the Banks industry distribution chart, Jiangsu Changshu Rural Commercial Bank Co ranks #371 out of 1520 companies for ROE %. This places Jiangsu Changshu Rural Commercial Bank Co in the top 24% of its industry — outperforming the majority of peers. The industry median ROE % is 10.28. Jiangsu Changshu Rural Commercial Bank Co's value of 15.02% is 46.1% above this benchmark. Historically, Jiangsu Changshu Rural Commercial Bank Co's own ROE % has ranged from 10.34 to 14.12 over the past decade. While the company's 10-year median is 12.48 vs. the industry median of 10.28, Jiangsu Changshu 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.28, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jiangsu Changshu Rural Commercial Bank Co's current ROE % of 15.02% is 46.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Jiangsu Changshu Rural Commercial Bank Co and its competitors. For the Banks industry, the median ROE % is 10.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jiangsu Changshu Rural Commercial Bank Co's current ROE % is 15.02%, which is 20% above median its own 10-year median of 12.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jiangsu Changshu Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Jiangsu Changshu Rural Commercial Bank Co (SHSE:601128) is currently considered Fairly Valued. The stock's GF Value™ is ¥6.72, compared to a current price of ¥6.23 — trading 7.3% below its estimated fair value. The current ROE % is 15.02%, which is 20% above median its 10-year median of 12.48 and 46.1% above the Banks industry median of 10.28. Jiangsu Changshu Rural Commercial Bank Co's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Jiangsu Changshu Rural Commercial Bank Co (SHSE:601128), the current ROE % is 15.02% 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 Changshu Rural Commercial Bank Co (SHSE:601128) Overvalued in 2026?
Based on GuruFocus' analysis, Jiangsu Changshu Rural Commercial Bank Co stock appears to be undervalued.
The current stock price of ¥6.23 is trading 7.3% below its estimated GF Value™ of ¥6.72.
GuruFocus considers Jiangsu Changshu Rural Commercial Bank Co to be Fairly Valued.
Key valuation signals for SHSE:601128:
ROE %: 15.02% (20% above median its 10-year median of 12.48)
GF Value™: ¥6.72 vs. price of ¥6.23 (7.3% below fair value)
Industry Position: 46.1% above the Banks median (#371 of 1520)
No single metric tells the full story. See the SHSE:601128 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jiangsu Changshu Rural Commercial Bank Co Business Description
Jiangsu Changshu Rural Commercial Bank Co Ltd is a China-based company engaged in providing commercial banking products and services. It offers products and services including personal savings and loans, SME financing, agricultural loan, and small and micro businesses products.
73GF Score
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ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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