Bank of Gansu Co., Ltd. Class H (2139) AI Stock Analysis

• Market Cap: HK$5.12B
• Dividend Yield: N/A
• Average Volume (3M): 692.90K
• Price to Earnings (P/E): 5.8
• Beta (1Y): 0.89
• Revenue Growth: -9.56%
• EPS Growth: -7.51%
• Country: HK
• Employees: 4,595
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.01
• Shares Outstanding: 3,793,800,000
• 10 Day Avg. Volume: 429,600
• 30 Day Avg. Volume: 692,900
• PEG Ratio: -3.71
• Price to Book (P/B): 0.10
• Price to Sales (P/S): 0.27
• P/FCF Ratio: -0.69
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: HK$0.34 ▲(40.83% Upside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is held back primarily by weak and volatile cash generation and low returns on equity, despite stable net income. Technicals are supportive with price above major moving averages, but very high RSI signals elevated near-term reversal risk. Valuation is a positive factor due to the low P/E.

Positive Factors

Growing Asset Base / Scale

Material asset growth (2020–2025) expands lending capacity and diversification across credit exposures. A larger balance sheet supports revenue potential, regulatory buffers and economies of scale, enabling more durable loan origination and fee opportunities over the medium term.

Negative Factors

Weak Cash Generation

Recurrent negative operating and free cash flows in recent years indicate poor cash conversion of reported profits. This raises reliance on external funding, constrains capex/dividend flexibility, and elevates liquidity and refinancing risk over the coming months.

Bank of Gansu Co., Ltd. Class H Business Overview & Revenue Model

Company Description

Bank of Gansu Co., Ltd., together with its subsidiary, Pingliang Jingning Chengji Rural Bank Co., Ltd., provides various banking services in the People's Republic of China. It operates through three segments: Corporate Banking, Retail Banking, and...

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Bank of Gansu Co., Ltd., together with its subsidiary, Pingliang Jingning Chengji Rural Bank Co., Ltd., provides various banking services in the People's Republic of China. It operates through three segments: Corporate Banking, Retail Banking, and...

Bank of Gansu Co., Ltd. Class H Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	12.22B	2.85B	2.96B	2.87B	2.82B
Gross Profit	2.68B	2.85B	2.96B	2.87B	2.82B
EBITDA	423.10M	887.45M	0.00	1.01B	951.02M
Net Income	572.88M	582.35M	644.56M	601.43M	570.65M
Balance Sheet
Total Assets	436.08B	414.71B	388.59B	377.20B	358.50B
Cash, Cash Equivalents and Short-Term Investments	28.91B	13.31B	10.09B	22.74B	29.44B
Total Debt	62.69B	27.68B	22.36B	180.07M	29.12B
Total Liabilities	401.69B	380.87B	355.41B	344.60B	326.45B
Stockholders Equity	34.34B	33.79B	33.14B	32.56B	32.02B
Cash Flow
Free Cash Flow	-4.78B	-14.16B	10.44B	3.32B	-8.61B
Operating Cash Flow	-4.65B	-13.94B	-992.70M	3.56B	-8.29B
Investing Cash Flow	-10.80B	-9.49B	-681.38M	-11.03B	2.23B
Financing Cash Flow	20.59B	24.99B	7.00B	-3.81B	4.28B

Bank of Gansu Co., Ltd. Class H Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2139, the sentiment is Positive. The current price of 0.24 is below the 20-day moving average (MA) of 0.26, below the 50-day MA of 0.26, and below the 200-day MA of 0.26, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 86.73 is Negative, neither overbought nor oversold. The STOCH value of 94.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:2139.

Bank of Gansu Co., Ltd. Class H Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
2558	66 Neutral	HK$8.06B	1.84	6.28%	6.22%	-1.76%	-11.39%
1983	63 Neutral	HK$5.65B	3.53	9.15%	5.84%	-3.25%	22.96%
2139	58 Neutral	HK$5.12B	5.77	1.71%	―	-9.56%	-7.51%
1916	52 Neutral	HK$4.10B	3.86	2.08%	6.21%	-8.55%	539.20%
6138	51 Neutral	HK$3.79B	3.10	1.70%	―	0.06%	43.86%

Bank of Gansu Co., Ltd. Class H Corporate Events