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Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323) 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 Suzhou Rural Commercial Bank Co ROE % Related Terms
Jiangsu Suzhou 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 Suzhou Rural Commercial Bank Co ROE % Chart
Jiangsu Suzhou Rural Commercial Bank Co Annual Data
Jiangsu Suzhou Rural Commercial Bank Co ROE % Competitor Comparison
For the Banks - Regional subindustry, Jiangsu Suzhou 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 Suzhou 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 Suzhou Rural Commercial Bank Co (SHSE:603323) has a ROE % of 9.67% 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 Suzhou Rural Commercial Bank Co and its competitors. This is near median its historical median of 9.15. Over the past decade, Jiangsu Suzhou Rural Commercial Bank Co's ROE % has ranged from 8.09 to 11.62. According to the industry distribution chart, Jiangsu Suzhou Rural Commercial Bank Co ranks #688 out of 1524 companies in the Banks industry, placing it in the top 45.1%.
Is Jiangsu Suzhou Rural Commercial Bank Co's ROE % too high?
Jiangsu Suzhou Rural Commercial Bank Co's current ROE % of 9.67% is near median its 10-year median of 9.15. Over the past 10 years, this metric has ranged from a low of 8.09 to a high of 11.62. The Banks industry median ROE % is 10.33. Jiangsu Suzhou Rural Commercial Bank Co's value of 9.67% is 6.4% below this industry median. Based on the distribution chart, Jiangsu Suzhou Rural Commercial Bank Co ranks #688 out of 1524 companies in the Banks industry, which is above 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Jiangsu Suzhou Rural Commercial Bank Co ranks #688 out of 1524 companies for ROE %. This puts Jiangsu Suzhou Rural Commercial Bank Co in the upper half of its industry. The industry median ROE % is 10.33. Jiangsu Suzhou Rural Commercial Bank Co's value of 9.67% is 6.4% below this benchmark. Historically, Jiangsu Suzhou Rural Commercial Bank Co's own ROE % has ranged from 8.09 to 11.62 over the past decade. While the company's 10-year median is 9.15 vs. the industry median of 10.33, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.33, based on 1,524 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 Suzhou Rural Commercial Bank Co's current ROE % of 9.67% is 6.4% 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 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 Suzhou Rural Commercial Bank Co and its competitors. For the Banks industry, the median ROE % is 10.33 — 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 ROE % is 9.67%, which is near median its own 10-year median of 9.15. 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 ROE % is 9.67%, which is near median its 10-year median of 9.15 and 6.4% below the Banks industry median of 10.33. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Jiangsu Suzhou Rural Commercial Bank Co (SHSE:603323), the current ROE % is 9.67% 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 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:
ROE %: 9.67% (near median its 10-year median of 9.15)
GF Value™: ¥4.49 vs. price of ¥4.41 (1.8% below fair value)
Industry Position: 6.4% below the Banks median (#688 of 1524)
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 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
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