Bank of Gansu Co., Ltd. Class H (HK:2139)
:2139
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Bank of Gansu Co., Ltd. Class H
(2139)
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Rating:59Neutral
Price Target:
HK$0.43
▲(78.33% Upside)
Action:ReiteratedDate:04/25/26
The score is held back primarily by weak and volatile cash flow alongside low ROE and inconsistent leverage, despite stable net income. Technicals are supportive (price above major moving averages and positive MACD) but appear overbought, and valuation looks attractive on a low P/E.
Positive Factors
Business model: net interest income core
Bank of Gansu’s core business is traditional banking: earning net interest income from loans while collecting fee income from payments and card services. This dual stream is a durable earnings base in regional retail/corporate banking, supporting predictable interest-spread economics and recurring fee diversification over months to years.
Negative Factors
Weak cash generation
Repeated negative operating and free cash flows in recent years reduce internal funding capacity, forcing reliance on external funding or balance‑sheet adjustments. Poor cash conversion raises liquidity and refinancing risks and constrains reinvestment, dividend flexibility and buffer creation across the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Business model: net interest income core
Bank of Gansu’s core business is traditional banking: earning net interest income from loans while collecting fee income from payments and card services. This dual stream is a durable earnings base in regional retail/corporate banking, supporting predictable interest-spread economics and recurring fee diversification over months to years.
Read all positive factors
Bank of Gansu Co., Ltd. Class H (2139) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$6.18B
Dividend YieldN/A
Average Volume (3M)692.90K
Price to Earnings (P/E)5.8
Beta (1Y)1.00
Revenue Growth-9.94%
EPS Growth0.72%
CountryHK
Employees4,595
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.01
Shares Outstanding3,793,800,000
10 Day Avg. Volume429,600
30 Day Avg. Volume692,900
Financial Highlights & Ratios
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
How the Company Makes Money
The primary way Bank of Gansu makes money is by earning net interest income: it collects interest on loans and other interest-earning assets and pays interest on customer deposits and other funding sources, with the spread (net interest margin) co...
Bank of Gansu Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
28
Negative
| 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
Positive
0.24
Price Trends
0.27
Positive
0.26
Positive
0.27
Positive
Market Momentum
0.02
Negative
64.62
Neutral
47.46
Neutral
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 0.30, below the 50-day MA of 0.27, and below the 200-day MA of 0.27, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 64.62 is Neutral, neither overbought nor oversold. The STOCH value of 47.46 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$8.06B | 3.07 | 5.83% | 6.22% | -7.07% | -5.34% | |
63 Neutral | HK$6.69B | 3.53 | 12.63% | 5.84% | -4.09% | 20.98% | |
59 Neutral | HK$6.18B | 5.77 | 1.71% | ― | -9.94% | 0.72% | |
52 Neutral | HK$4.16B | 3.86 | 2.20% | 6.21% | -15.84% | -13.98% | |
51 Neutral | HK$4.34B | 3.10 | 1.70% | ― | -4.08% | 62.82% |
* Financial Sector Average
HK:2139
Bank of Gansu Co., Ltd. Class H
0.41
0.18
78.26%
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Bank of Gansu Co., Ltd. Class H Corporate Events
Bank of Gansu to Publish 2025 Audited Annual Results and Full Report
Mar 27, 2026
Bank of Gansu Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, has disclosed its board and governance structure, highlighting a mix of executive, non-executive and independent non-executive directors. The bank operate...
Bank of Gansu Announces Proposed 2025 Final Dividend and Withholding Tax Terms for H Shareholders
Mar 27, 2026
Bank of Gansu Co., Ltd. has announced a proposed final ordinary cash dividend of RMB 1.18 per 10 shares for the financial year ended 31 December 2025, with key dates including shareholder approval, ex-dividend date, record date and payment date ye...
Bank of Gansu Sets March 27 Board Meeting to Approve 2025 Results and Consider Final Dividend
Mar 16, 2026
Bank of Gansu Co., Ltd., a joint stock commercial bank based in Lanzhou and listed in Hong Kong, operates under PRC regulation and is not authorized to conduct banking or deposit‑taking business in Hong Kong under the local Banking Ordinance...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.