001227.SHE Bank of Lanzhou Co. Ltd.
- Market cap
- CNY 12.2B
- P/E
- 8.0x
- P/B
- 0.34x
- ROE
- 4.9%
- Dividend yield
- 7.41%
- Fundamental score
- -
Ratios use the latest price and the current fiscal year annualized from 3 quarters up to Sep 2026.
Is 001227.SHE undervalued?
Graham number001227.SHE trades 65.6% below its Graham number.
Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?
Bank of Lanzhou Co. Ltd. fundamental analysis
No fundamental analysis for Bank of Lanzhou Co. Ltd. yet.
Bank of Lanzhou Co. Ltd. stock price
Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.
About Bank of Lanzhou Co. Ltd.
Bank of Lanzhou Co., Ltd. provides various banking products and services in China. The company offers deposit products; wealth management; and debit and credit card. It is also involved in the provision of syndicated loans, m and a loans, and pledge loans for public deposits; transaction banking and featured services; and settlement, international, and financial market business. In addition, the company provides small and micro enterprise, individual, industrial, commercial,…
Full company profileBank of Lanzhou Co. Ltd. financial statements
2026 annualized: Fiscal year 2026 is not finished. Income statement and cash flow are annualized from 3 quarters up to Sep 30, 2026, the balance sheet is the latest quarter. Figures change when the annual report is published.
Bank of Lanzhou Co. Ltd. annual financial statements (CNY; K = thousand, M = million, B = billion, T = trillion)
| Item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 Anlz |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 7.66B | 6.48B | 7.85B | 7.47B | 8.07B | 7.88B | 7.77B | 8.41B |
| Net Income | 1.46B | 1.49B | 1.57B | 1.73B | 1.86B | 1.89B | 1.86B | 1.80B |
| EPS | 0.29 | 0.29 | 0.31 | 0.30 | 0.33 | 0.33 | 0.33 | 0.32 |
| Balance Sheet | ||||||||
| Total Assets | 337B | 362B | 400B | 436B | 453B | 486B | 530B | 535B |
| Total Liabilities | 315B | 335B | 371B | 404B | 420B | 450B | 494B | 498B |
| Shareholders' Equity | 21.5B | 27.2B | 28.7B | 31.6B | 33.0B | 35.5B | 35.4B | 36.5B |
| Cash & Short-term Investments | 44.3B | 48.7B | 52.0B | 69.4B | 66.0B | 68.1B | 74.5B | 75.0B |
| Cash Flow | ||||||||
| Operating Cash Flow | -3.67B | -4.66B | 12.5B | 9.30B | 4.38B | 14.8B | 26.8B | 20.6B |
| Capital Expenditure | 234M | 127M | 136M | 118M | 57.7M | 115M | 166M | 265M |
| Free Cash Flow | -3.90B | -4.79B | 12.4B | 9.18B | 4.32B | 14.7B | 26.6B | 20.3B |
| Ratios | ||||||||
| ROE | 6.8% | 5.5% | 5.5% | 5.5% | 5.7% | 5.3% | 5.3% | 4.9% |
| ROA | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% |
| Net Profit Margin | 19.1% | 23.0% | 19.9% | 23.2% | 23.1% | 24.0% | 24.0% | 21.5% |
What these items mean
- Revenue
- Total sales of goods and services in the period.
- Net Income
- Profit left for shareholders after all expenses, interest and taxes.
- EPS
- Net income divided by shares outstanding.
- Total Assets
- Everything the company owns.
- Total Liabilities
- Everything the company owes.
- Shareholders' Equity
- Assets minus liabilities: the book value that belongs to shareholders.
- Cash & Short-term Investments
- Cash and investments that can be turned into cash quickly.
- Operating Cash Flow
- Cash generated by the core business.
- Capital Expenditure
- Cash spent on property, plant and equipment.
- Free Cash Flow
- Operating cash flow minus capital expenditure: cash left for dividends, buybacks or debt repayment.
- ROE
- Return on equity: net income divided by shareholders' equity.
- ROA
- Return on assets: net income divided by total assets.
- Net Profit Margin
- Net income as a share of revenue.
Bank of Lanzhou Co. Ltd. dividends
- Dividend yield
- 7.41%
- Forward dividend
- 0.08 CNY
- Payout ratio
- 48.7%
- Ex-dividend date
- Jun 24, 2026
| Fiscal year | Dividends paid | Per share | Payout ratio |
|---|---|---|---|
| 2025 | CNY 907M | 0.16 | 48.7% |
| 2024 | CNY 768M | 0.13 | 40.7% |
| 2023 | CNY 924M | 0.16 | 49.6% |
| 2022 | CNY 888M | 0.16 | 51.2% |
| 2021 | CNY 702M | 0.14 | 44.8% |
| 2020 | CNY 838M | 0.16 | 56.1% |
| 2019 | CNY 312M | 0.06 | 21.3% |
From the cash flow statement: dividends paid in the fiscal year, divided by that year's shares outstanding. Payout ratio = dividends paid / net income.
Who owns Bank of Lanzhou Co. Ltd.
- Insiders 51.12%
- Institutions 3.14%
- Public & others 45.75%
- Shares outstanding 5.70B
- Free float 3.63B
Bank of Lanzhou Co. Ltd. company profile
- Company name
- Bank of Lanzhou Co. Ltd.
- Ticker
- 001227.SHE
- Exchange
- Shenzhen Stock Exchange
- Sector
- Financial Services
- Industry
- Banks
- Employees
- 4,431
- Fiscal year end
- December
- Address
- No. 211 Jiuquan Road, Lanzhou, China, 730030
- Phone
- 86 93 1460 0239
- Website
- lzbank.com
About Bank of Lanzhou Co. Ltd.
Bank of Lanzhou Co., Ltd. provides various banking products and services in China. The company offers deposit products; wealth management; and debit and credit card. It is also involved in the provision of syndicated loans, m and a loans, and pledge loans for public deposits; transaction banking and featured services; and settlement, international, and financial market business. In addition, the company provides small and micro enterprise, individual, industrial, commercial, and farmer loans; investment and financial management; and e-banking services. Bank of Lanzhou Co., Ltd. was founded in 1997 and is based in Lanzhou, China.
Bank of Lanzhou Co. Ltd. management
8- Mr. Min LiuPresident, Chief Compliance Officer & Director · born 1979
- Mr. Shaowei ZhangBoard Secretary & Director · born 1980
- Mr. Baihan ShengVice President · born 1978
- Mr. Jiajun HanVice President · born 1974
- Mr. Tao LiVice President · born 1971
- Xue Mei GaoHead of Accounting Department
- Mr. Shenglong LiGeneral Manager of the Business Department
- Xiaoyi LiuGeneral Manager of the Business Department