Jinshang Bank Co Ltd

Jinshang Bank maintains a capital structure characterized by a total asset base of CNY 393.0 billion and total equity of CNY 29.1 billion. The bank reports long-term debt of CNY 40.9 billion, resulting in a debt-to-equity ratio of 1.41. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow stands at CNY 8.1 billion, while free cash flow is CNY 1.3 billion, supported by capital expenditures of CNY -135.4 million.

Profitability metrics indicate a return on equity of 5.73% and a return on assets of 0.42%. The bank generated net income of CNY 1.7 billion on revenue of CNY 3.9 billion for the latest normalized period. Without specific cohort median data provided in the input, these returns are evaluated against the general industry context of commercial banking, where ROA levels are typically low due to high leverage and asset intensity.

Segment and geographic revenue mix data is not present in the available structured analysis state. Consequently, specific insights into revenue concentration by business line or region cannot be derived from the current dataset. The analysis relies on the aggregate financial snapshot for performance evaluation.

Historical period data for revenue and net income trends over the last five years or eight quarters is absent from the input. Therefore, a quantitative assessment of the growth trajectory or momentum cannot be performed. The analysis is limited to the cross-sectional financial snapshot provided.

Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction, which suggests reliance on external funding or deposit mobilization to meet obligations. Dilution risk is low, with basic and diluted shares outstanding identical at 5.84 billion, indicating no significant convertible instruments or options impacting share count.

Recent observations include an ESG score of 39.61 with a grade of C, reflecting an environment pillar score of 29.23 and a governance pillar score of 28.47. The social pillar score is higher at 50.70, and the ESG controversies score is 100, indicating fewer controversies. No specific filing, news, or transcript events are detailed in the input data beyond these ESG metrics.