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Bank of Gansu Co., Ltd. Class H (2139) AI Stock Analysis
Bank of Gansu Co., Ltd. Class H
(HKEX:2139)
The overall score reflects a compelling valuation profile, with a very low P/E and extremely high dividend yield driving much of the attractiveness, partially offset by only moderate financial health due to rising leverage and volatile cash generation. Technicals are supportive, showing a mild, steady uptrend without signs of excess, which adds to the case for the stock but does not overpower the fundamental and valuation considerations.
Bank of Gansu Co., Ltd. Class H (2139) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 3.66B
- Dividend Yield
- 55.84%
- Average Volume (3M)
- 608.69K
- Price to Earnings (P/E)
- 5.1
- Beta (1Y)
- 0.47
- Revenue Growth
- -4.02%
- EPS Growth
- 10.02%
- Country
- Hong Kong
- Employees
- 4,580
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Bank of Gansu Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Bank of Gansu Co., Ltd., along with its subsidiary, Pingliang Jingning Chengji Rural Bank Co., Ltd., functions as a financial institution providing a full spectrum of banking services throughout the People's Republic of China. The company's operation...
How the Company Makes Money
Bank of Gansu makes money primarily through (1) net interest income and (2) non-interest income (fees and commissions), with additional contributions from other operating income where applicable. 1) Net interest income (core earnings) - Loans and adv...
Bank of Gansu Co., Ltd. Class H Financial Statement Overview
Summary
Financial performance is moderate overall: strong revenue growth and stable net profit margins support a solid income statement score, but rising leverage and highly volatile operating cash flows materially weaken the balance sheet and cash flow profile.
Income Statement
72PositiveBalance Sheet
65PositiveCash Flow
45Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.75B | 12.22B | 2.85B | 2.96B | 2.87B | 2.82B |
| Gross Profit | 2.77B | 2.68B | 2.85B | 2.96B | 2.87B | 2.82B |
| EBITDA | 989.23M | 825.34M | 887.45M | 985.85M | 1.01B | 951.02M |
| Net Income | 608.37M | 572.88M | 582.35M | 644.56M | 601.43M | 570.65M |
Balance Sheet | ||||||
| Total Assets | 458.40B | 436.08B | 414.71B | 388.59B | 377.20B | 358.50B |
| Cash, Cash Equivalents and Short-Term Investments | 22.02B | 28.91B | 13.31B | 10.09B | 22.74B | 29.44B |
| Total Debt | 73.04B | 62.69B | 27.68B | 22.36B | 180.07M | 29.12B |
| Total Liabilities | 425.40B | 401.69B | 380.87B | 355.41B | 344.60B | 326.45B |
| Stockholders Equity | 32.97B | 34.34B | 33.79B | 33.14B | 32.56B | 32.02B |
Cash Flow | ||||||
| Free Cash Flow | -5.21B | -4.78B | -14.16B | 10.44B | 3.32B | -8.61B |
| Operating Cash Flow | -5.09B | -4.65B | -13.94B | -992.70M | 3.56B | -8.29B |
| Investing Cash Flow | -3.45B | -520.05M | -9.49B | -681.38M | -11.03B | 2.23B |
| Financing Cash Flow | 30.65B | 5.54B | 24.99B | 7.00B | -3.81B | 4.28B |
Bank of Gansu Co., Ltd. Class H Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2139, the sentiment is Negative. The current price of 0.24 is below the 20-day moving average (MA) of 0.24, below the 50-day MA of 0.25, and above the 200-day MA of 0.22, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 43.96 is Neutral, neither overbought nor oversold. The STOCH value of 25.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:2139.
Bank of Gansu Co., Ltd. Class H Peers Comparison
Overall Rating
- HK:213971Outperform
HK:198363Neutral
HK:255854Neutral
HK:613852.25Neutral
HK:191651Neutral
HK:619050Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:2139 | 71Outperform | HKD 3.69B | 5.13 | 1.81% | 55.84% | -4.02% | 10.02% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1983 | 63Neutral | HKD 5.84B | 3.21 | 14.00% | 6.95% | 5.86% | 28.54% |
| HK:2558 | 54Neutral | HKD 5.96B | 3.19 | 5.81% | 5.69% | -5.28% | -2.95% |
| HK:6138 | 52Neutral | HKD 3.35B | 4.17 | 2.45% | ― | -2.43% | 46.14% |
| HK:1916 | 51Neutral | HKD 3.34B | 4.63 | 2.50% | 6.98% | -9.03% | 7.56% |
| HK:6190 | 50Neutral | HKD 7.69B | 12.92 | 2.46% | 2.38% | -2.30% | 138.58% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:2139 | Bank of Gansu Co., Ltd. Class H | 0.24 | 0.08 | 53.80% | |
| HK:6190 | Bank of Jiujiang Co., Ltd. Class H | 2.70 | 0.85 | 46.26% | |
| HK:6138 | Harbin Bank Co., Ltd. Class H | 0.30 | -0.10 | -23.75% | |
| HK:1916 | Jiangxi Bank Co., Ltd. Class H | 0.56 | -0.09 | -14.50% | |
| HK:1983 | Luzhou Bank Co., Ltd. Class H | 2.15 | 0.20 | 10.14% | |
| HK:2558 | Jinshang Bank Co., Ltd. Class H | 1.01 | -0.25 | -20.09% |
Bank of Gansu Co., Ltd. Class H Corporate Events
Bank of Gansu Releases Unaudited 2026 Interim Results and Sets Publication Date
Bank of Gansu Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, has clarified that it does not fall under the Hong Kong Banking Ordinance and therefore is not supervised by the Hong Kong Monetary Authority or authorized t...
Bank of Gansu Sets August Board Meeting to Approve 2026 Interim Results
Bank of Gansu Co., Ltd., a regional commercial bank incorporated in mainland China and listed in Hong Kong, focuses on providing financial and banking services primarily within Gansu province under a standard listed-company governance structure. Alth...
Bank of Gansu Reshuffles Top Leadership as Chairman and President Roles Change
Bank of Gansu Co., Ltd., a Hong Kong-listed regional commercial bank in Gansu province, provides a range of financial services through urban and rural outlets and maintains a governance structure aligned with mainland regulatory and party oversight....
Bank of Gansu Revamps Board Committees and Appoints New Company Secretary
Bank of Gansu has adjusted the composition of its board-level special committees, appointing director Shi Hailong to the strategy and development committee and the related party transaction and risk management committee, subject to regulatory approva...
Bank of Gansu Updates Board Line-Up and Committee Roles
Bank of Gansu Co., Ltd., a mainland Chinese joint stock commercial bank listed in Hong Kong, operates outside the Hong Kong banking regulatory framework and is not authorised to undertake banking or deposit-taking activities in the territory.The bank...
Bank of Gansu shareholders unanimously back 2025 results and 2026 plans
Bank of Gansu Co., Ltd. held its 2025 annual general meeting in Lanzhou on June 30, 2026, with shareholders or their proxies representing about 85.78% of the bank’s issued share capital in attendance. The meeting was convened in compliance with...
Bank of Gansu Updates Final Dividend Terms and Tax Details for 2025
Bank of Gansu Co., Ltd., a regional commercial lender from China’s Gansu province with H shares listed in Hong Kong, serves corporate and retail clients and leverages its offshore listing to broaden its investor base. The bank operates within C...
Bank of Gansu Offloads RMB154 Million in NPLs to Connected Asset Manager
Bank of Gansu Co., Ltd. has agreed to sell a portfolio of 12 non-performing creditor’s rights assets with a combined principal and interest balance of about RMB154.29 million to Gansu Assets Management. The assets, which include all associated...
Bank of Gansu Sets 2025 AGM to Vote on Merger, Governance Changes and Share Issuance Mandate
Bank of Gansu Co., Ltd., a regional commercial bank based in Lanzhou and listed on the Hong Kong Stock Exchange, concentrates on traditional banking services across Gansu Province and surrounding rural areas. Its operations emphasize supporting local...
Bank of Gansu Updates 2025 Final Dividend Timetable and Tax Arrangements
Bank of Gansu Co., Ltd. has announced an updated final cash dividend for the year ended 31 December 2025, declaring RMB 1.18 per 10 shares for its H shareholders. The bank has set 30 June 2026 as the date of shareholder approval, with the ex-dividend...
Bank of Gansu Moves to Replace Long-Time Auditor Under Regulatory Term Limits
Bank of Gansu Co., Ltd., a regional Chinese commercial bank serving Gansu Province and surrounding markets, offers a range of banking and financial services but is not licensed as a banking institution in Hong Kong. The bank is listed in Hong Kong an...
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.
Date of analysis: Aug 06, 2026