Bank of Lanzhou Co. Ltd. (001227) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank of Lanzhou Co. Ltd. stock ¥4.28, price ¥2.13, upside +100.9%, quality 65 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
58‑month range ¥1.96 – ¥6.00 · fair‑value band ¥4.20 – ¥5.51 · the ¥2.13 price screens below the ¥4.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Bank of Lanzhou Co., Ltd. provides a range of banking products and services in China.
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The company accepts corporate and personal deposits; and offers personal loans and advances, housing mortgages, operating loans, consumer loans, and business loans and advances; leasing services; wealth management services; and custody services.
It also provides online, telephone, mobile, VTM remote video, and other transaction and electronic banking services. Bank of Lanzhou Co., Ltd. was founded in 1997 and is based in Lanzhou, China.
Stock analysis
Bank of Lanzhou Co. Ltd. (001227) currently trades at ¥2.13, while our model-based Fair Value estimate is ¥4.28, implying the stock looks roughly 50% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ¥6.43 per share, and 4 of the 6 models we run sit above the ¥2.13 price.
Bear case: the Dividend Discount group reads lowest at ¥1.49, and 2 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: ¥4.20 (bear) to ¥5.51 (bull), the price of ¥2.13 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bank of Lanzhou Co. Ltd. reported revenue of 7.8B CNY in FY2025 versus 7.9B CNY in FY2021, a compound −0.3%/yr. Reported net income was 1.9B CNY in FY2025, compounding +4.5%/yr from FY2021.
Key figures
Market cap 12.1B CNY (≈ $1.8B) Small · P/E ratio 7.3 · P/S ratio 2.77 · EPS (TTM) ¥0.2900 · Dividend yield 1.4% · Net margin 40.6% · Return on equity 5.1% · Return on assets 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 101%, 001227 screens cheaper than that median.
Fair Value models
Bear¥4.20Fair Value ¥4.28Bull¥5.51
Price ¥2.13 · Upside +100.9%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (¥0.2222 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.65/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.7%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
Compare Bank of Lanzhou Co. Ltd. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside+100.9% · Top 25%
Profitability
Return on equity (12 months)5.1% · Bottom 25%
Return on assets0.4% · Bottom 25%
Net margin (12 months)40.6% · Top 25%
Operating margin (12 months)33.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)1.0% · Bottom 25%
Dividend yield (12 months)1.4% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Bank of Lanzhou Co. Ltd. Fair Value". https://www.fairvalue-calculator.com/stock/001227
Frequently asked questions
Is Bank of Lanzhou Co. Ltd. (001227) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of ¥4.28 versus a price of ¥2.13, about +101% upside (undervalued).
What is the fair value of 001227?
Our model-based fair value for Bank of Lanzhou Co. Ltd. is ¥4.28 (as of Nov 6, 2026), built from audited fundamentals. The current price: ¥2.13.
What is the quality score of 001227?
Bank of Lanzhou Co. Ltd. has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of Lanzhou Co. Ltd. (001227)?
Our model-based price target is the fair value of ¥4.28 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario ¥4.20, optimistic scenario ¥5.51. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Lanzhou Co. Ltd. stock forecast for 2026?
Our models put fair value at ¥4.28, about +101% upside versus a price of ¥2.13 (undervalued). Cautious scenario ¥4.20, optimistic scenario ¥5.51. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of Lanzhou Co. Ltd. (001227)?
Bank of Lanzhou Co. Ltd. reported trailing-twelve-month revenue of about 4.4B CNY (latest available figure, as of Nov 6, 2026).
Does Bank of Lanzhou Co. Ltd. pay a dividend?
Bank of Lanzhou Co. Ltd. currently shows a dividend yield of 1.41% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Bank of Lanzhou Co. Ltd. (001227) and when is the ex-dividend date?
Bank of Lanzhou Co. Ltd. pays a dividend of ¥0.03 per share a year, a dividend yield of 1.4%. The last ex-dividend date was Jun 24, 2026. A dividend has been paid every year since at least 2022. The payout ratio is 10.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank of Lanzhou Co. Ltd. (001227)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of Lanzhou Co. Ltd. it is ¥4.28 per share (as of Nov 6, 2026), against a price of ¥2.13. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank of Lanzhou Co. Ltd. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, 001227 trades below its calculated fair value: price ¥2.13, fair value ¥4.28, a gap of about +101% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 001227?
No. The price is what the market pays today (¥2.13); the fair value is what the company's own numbers justify (¥4.28). For Bank of Lanzhou Co. Ltd. the two are ¥2.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Lanzhou Co. Ltd. worth?
The market values Bank of Lanzhou Co. Ltd. at about 12.1B CNY (market capitalisation, as of Nov 6, 2026). Per share that is ¥2.13; our models calculate a fair value of ¥4.28 per share.
What do the bullish and bearish scenarios say about 001227?
Our models span a range for Bank of Lanzhou Co. Ltd.: cautious scenario ¥4.20, base ¥4.28, optimistic ¥5.51 per share (as of Nov 6, 2026, price ¥2.13). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 001227?
Bank of Lanzhou Co. Ltd. trades at a price-to-earnings ratio of 7.3 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥4.28 is built from several models across several years. Other multiples: P/B 0.3, P/S 2.8.
How solid is the balance sheet of Bank of Lanzhou Co. Ltd. (001227)?
Balance-sheet figures for Bank of Lanzhou Co. Ltd. (as of Nov 6, 2026): return on equity 5.1%. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is 001227 from its 52-week high?
Bank of Lanzhou Co. Ltd. trades at ¥2.13, about 11% below its 52-week high of ¥2.38 and 7% above the low of ¥2.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of ¥4.28 is for.
Which stocks are comparable to Bank of Lanzhou Co. Ltd.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of Lanzhou Co. Ltd. stock attractive at the current price?
The data as of Nov 6, 2026: price ¥2.13, calculated fair value ¥4.28 (+101%), Quality Score 65/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 001227 calculated?
We run Bank of Lanzhou Co. Ltd. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of ¥4.28 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Bank of Lanzhou Co. Ltd. currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of Lanzhou Co. Ltd. (001227)?
The closing price on Nov 6, 2026 was ¥2.13. Our model-based fair value is ¥4.28, about +101% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Lanzhou Co. Ltd. right now?
The price is below even our cautious bear case (¥4.20). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Bank of Lanzhou Co. Ltd.
How large is the market capitalisation of Bank of Lanzhou Co. Ltd. (001227)?
The market capitalisation of Bank of Lanzhou Co. Ltd. is 12.1B CNY (≈ $1.8B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of Lanzhou Co. Ltd. (001227)?
The price-to-sales ratio of Bank of Lanzhou Co. Ltd. is 2.77 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of Lanzhou Co. Ltd. (001227)?
Earnings per share at Bank of Lanzhou Co. Ltd. are ¥0.2900 (price ÷ EPS = P/E 7.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank of Lanzhou Co. Ltd. (001227)?
The dividend yield of Bank of Lanzhou Co. Ltd. is 1.4% (payout 10.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank of Lanzhou Co. Ltd. (001227)?
The net margin of Bank of Lanzhou Co. Ltd. is 40.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of Lanzhou Co. Ltd. (001227)?
The return on equity (ROE) of Bank of Lanzhou Co. Ltd. is 5.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Bank of Lanzhou Co. Ltd. (001227)?
The return on assets (ROA) of Bank of Lanzhou Co. Ltd. is 0.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Bank of Lanzhou Co. Ltd. (001227)?
The operating margin of Bank of Lanzhou Co. Ltd. is 33.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of Lanzhou Co. Ltd. (001227)?
Revenue at Bank of Lanzhou Co. Ltd. is growing +1.0% versus a year earlier (3y avg +1.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of Lanzhou Co. Ltd. (001227)?
Earnings per share at Bank of Lanzhou Co. Ltd. are growing −0.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of Lanzhou Co. Ltd. (001227) generate?
The free cash flow of Bank of Lanzhou Co. Ltd. is 26.6B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Nov 6, 2026