Want to see HK:2139 full AI Analyst Report?
Top Page
Bank of Gansu Co., Ltd. Class H
(2139)
Select Model
Select Model
Rating:56Neutral
Price Target:
HK$0.27
â–²(13.75% Upside)
Action:Reiterated
Date:08/06/26
The score is primarily held back by financial quality concerns—especially negative and volatile recent operating/free cash flows, alongside low ROE and inconsistent leverage—despite stable net income and a strong 2025 revenue step-up. Valuation is a key offset with a low P/E and very high dividend yield, while technicals are neutral-to-slightly constructive with limited near-term momentum.
Positive Factors
Stable Net Income
Broadly stable net income across 2020–2025 indicates the bank has maintained a recurring earnings base despite changing operating conditions. This resilience supports ongoing lending and customer-service activity, although future growth still depends on improving returns and cash conversion.
Negative Factors
Weak Cash Generation
Repeated negative operating and free cash flow, including deeply negative results in 2024–2025, indicates weak recent cash conversion despite reported profitability. This can increase reliance on funding and limit financial flexibility, making earnings quality less durable over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable Net Income
Broadly stable net income across 2020–2025 indicates the bank has maintained a recurring earnings base despite changing operating conditions. This resilience supports ongoing lending and customer-service activity, although future growth still depends on improving returns and cash conversion.
Read all positive factors
Bank of Gansu Co., Ltd. Class H (2139) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$3.77B
Dividend Yield54.28%
Average Volume (3M)750.27K
Price to Earnings (P/E)5.3
Beta (1Y)0.94
Revenue Growth-4.02%
EPS Growth10.02%
CountryHK
Employees4,580
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.04
Shares Outstanding3,793,800,000
10 Day Avg. Volume1,035,800
30 Day Avg. Volume750,266
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., 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 operat...
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...
Bank of Gansu Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
28
Negative
| 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 | 980.30M | 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 | -21.57B | -520.05M | -9.49B | -681.38M | -11.03B | 2.23B |
| Financing Cash Flow | 30.32B | 5.54B | 24.99B | 7.00B | -3.81B | 4.28B |
Bank of Gansu Co., Ltd. Class H Technical Analysis
Positive
0.24
Price Trends
0.24
Positive
0.24
Positive
0.20
Positive
Market Momentum
<0.01
Positive
51.21
Neutral
53.33
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 0.25, below the 50-day MA of 0.24, and above the 200-day MA of 0.20, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 51.21 is Neutral, neither overbought nor oversold. The STOCH value of 53.33 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | HK$6.48B | 3.53 | 5.81% | 5.18% | -5.28% | -2.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | HK$5.57B | 3.08 | 14.00% | 7.29% | 5.86% | 28.54% | |
56 Neutral | HK$3.77B | 5.31 | 1.81% | 54.28% | -4.02% | 10.02% | |
53 Neutral | HK$7.69B | 13.00 | 2.46% | 2.38% | -2.30% | 138.58% | |
51 Neutral | HK$3.49B | 4.83 | 2.50% | 6.74% | -9.03% | 7.56% | |
47 Neutral | HK$3.46B | 4.19 | 2.45% | 9.11% | -2.43% | 46.14% |
* Financial Sector Average
HK:2139
Bank of Gansu Co., Ltd. Class H
0.25
0.07
42.05%
HK:6190
Bank of Jiujiang Co., Ltd. Class H
2.70
-0.56
-17.08%
HK:6138
Harbin Bank Co., Ltd. Class H
0.31
-0.13
-29.07%
HK:1916
Jiangxi Bank Co., Ltd. Class H
0.58
-0.11
-16.31%
HK:1983
Luzhou Bank Co., Ltd. Class H
2.05
-0.16
-7.41%
HK:2558
Jinshang Bank Co., Ltd. Class H
1.11
-0.21
-15.97%
Bank of Gansu Co., Ltd. Class H Corporate Events
Bank of Gansu Releases Unaudited 2026 Interim Results and Sets Publication Date
Aug 28, 2026
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 authorize...
Bank of Gansu Sets August Board Meeting to Approve 2026 Interim Results
Aug 18, 2026
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. A...
Bank of Gansu Reshuffles Top Leadership as Chairman and President Roles Change
Aug 14, 2026
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 oversigh...
Bank of Gansu Revamps Board Committees and Appoints New Company Secretary
Jul 21, 2026
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 appr...
Bank of Gansu Updates Board Line-Up and Committee Roles
Jul 21, 2026
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 b...
Bank of Gansu shareholders unanimously back 2025 results and 2026 plans
Jun 30, 2026
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 w...
Bank of Gansu Updates Final Dividend Terms and Tax Details for 2025
Jun 30, 2026
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 withi...
Bank of Gansu Offloads RMB154 Million in NPLs to Connected Asset Manager
Jun 29, 2026
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 associat...
Bank of Gansu Sets 2025 AGM to Vote on Merger, Governance Changes and Share Issuance Mandate
Jun 9, 2026
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 lo...
Bank of Gansu Updates 2025 Final Dividend Timetable and Tax Arrangements
Jun 9, 2026
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-divid...
Bank of Gansu Moves to Replace Long-Time Auditor Under Regulatory Term Limits
Jun 9, 2026
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...
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.