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Bank of Lanzhou Co. Ltd. (001227) fair value: what the stock is really worth

As of Sep 22, 2026: fair value of Bank of Lanzhou Co. Ltd. ¥4.22, price ¥2.11, upside +100.0%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · CN

BO Thin data Sep 24, 2026

Bank of Lanzhou Co. Ltd.

001227 · SHE

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value ¥4.22 · Strongly undervalued (+100%)
✓Quality 66/100
!Mixed Growth (revenue 5y +3.7 %/yr)
✓Highly profitable · 43.3% net margin (TTM)
✓generates free cash flow
✓Ranks above peers (8/12)
!Moderate moat 58/100
!Evidence only low, so the estimate is less certain
!Weak on past: 21 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

¥6.00 ¥1.96 Fair Value ¥4.22 Jan 2022 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

56‑month range ¥1.96 – ¥6.00 · fair‑value band ¥3.16 – ¥5.27 · the ¥2.11 price screens below the ¥4.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Bank of Lanzhou Co., Ltd. provides a range of banking products and services in China. 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.

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Bank of Lanzhou Co., Ltd. provides a range of banking products and services in China. 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 ¥2.11, while our model-based Fair Value estimate is ¥4.22, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of ¥4.88 per share, and 4 of the 4 models we run sit above the ¥2.11 price.

Bear case: the Asset-Based group reads lowest at ¥4.16, and 0 of the 4 models stay below the price. Evidence for this calculation is low.

Scenario range: ¥3.16 (bear) to ¥5.27 (bull), the price of ¥2.11 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 66/100 (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 12.0B CNY (≈ $1.8B) · P/E ratio 7.3 · P/S ratio 1.75 · EPS (TTM) ¥0.2900 · Net margin 24.0% · Return on equity 5.2% · Return on assets 0.4% · Operating margin 46.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 100%, 001227 screens cheaper than that median.

Fair Value models

Bear ¥3.16 Fair Value ¥4.22 Bull ¥5.27
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (¥0.2121 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income ¥4.80 ¥4.88 ¥4.74 76
P/E Multiple ¥3.19 ¥4.26 ¥5.32 63
P/B Multiple ¥4.17 ¥5.57 ¥6.96 55
All 4 models by family
Multiples
P/E Multiple ¥3.19 ¥4.26 ¥5.32 63
P/B Multiple ¥4.17 ¥5.57 ¥6.96 55
Asset-Based
NCAV (Graham) ¥3.11 ¥4.16 ¥6.22 51
Economic Profit
Residual Income ¥4.80 ¥4.88 ¥4.74 76

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Quality Score breakdown

Overall quality 66/100

Of which business quality 63 · Market factors (momentum, volatility) 52

Profitability 37
Margins and returns on capital today
Quality Growth 37
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 47
Balance sheet, leverage, solvency risk
Investment 82
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 25
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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%
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.
+2.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.4%
Dividend (yield on the price)0.0%

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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 · 1074 stocks

Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 65 · Top 25%
Fair Value upside +100% · Top 25%
Profitability
Return on equity (TTM) 5% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 43% · Top 25%
Operating margin (TTM) 47% · Above median
Growth and dividend
Revenue growth −3% · Bottom 25%
Dividend yield (TTM) 0.0% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 7.3× · Cheapest 25%
P/B 0.34× · Cheapest 25%
P/S (TTM) 2.74× · Cheaper than median
P/FCF 0.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 12
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)21 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Bank of Lanzhou Co. Ltd. · Fair Value
¥4.22 +50%Fair Value
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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 Sep 24, 2026, our model estimates a fair value of ¥4.22 versus a price of ¥2.11, about +100% upside (undervalued).
What is the fair value of 001227?
Our model-based fair value for Bank of Lanzhou Co. Ltd. is ¥4.22 (as of Sep 24, 2026), built from audited fundamentals. The current price: ¥2.11.
What is the quality score of 001227?
Bank of Lanzhou Co. Ltd. has a Quality Score of 66/100. 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 ¥4.22 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario ¥3.16, optimistic scenario ¥5.27. 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 ¥4.22, about +100% upside versus a price of ¥2.11 (undervalued). Cautious scenario ¥3.16, optimistic scenario ¥5.27. 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 Sep 24, 2026).
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 ¥4.22 per share (as of Sep 24, 2026), against a price of ¥2.11. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank of Lanzhou Co. Ltd. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 001227 trades below its calculated fair value: price ¥2.11, fair value ¥4.22, a gap of about +100% (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 (¥2.11); the fair value is what the company's own numbers justify (¥4.22). For Bank of Lanzhou Co. Ltd. the two are ¥2.11 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 12.0B CNY (market capitalisation, as of Sep 24, 2026). Per share that is ¥2.11; our models calculate a fair value of ¥4.22 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 ¥3.16, base ¥4.22, optimistic ¥5.27 per share (as of Sep 24, 2026, price ¥2.11). 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 Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥4.22 is built from several models across several years. Other multiples: P/B 0.3, P/S 2.7.
How solid is the balance sheet of Bank of Lanzhou Co. Ltd. (001227)?
Balance-sheet figures for Bank of Lanzhou Co. Ltd. (as of Sep 24, 2026): return on equity 5.2%. They feed the Quality Score of 66/100, 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 ¥2.11, about 12% below its 52-week high of ¥2.38 and 5% above the low of ¥2.00 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of ¥4.22 is for.
Which stocks are comparable to Bank of Lanzhou Co. Ltd.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price ¥2.11, calculated fair value ¥4.22 (+100%), Quality Score 66/100, from 4 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 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ¥4.22, 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 14.1 % above its aggregate fair value. Bank of Lanzhou Co. Ltd. currently trades 100 % 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 Sep 22, 2026 was ¥2.11. Our model-based fair value is ¥4.22, about +100% 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 (¥3.16). 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 (66/100) 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 12.0B 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 1.75 (P/E × margin). 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 net margin of Bank of Lanzhou Co. Ltd. (001227)?
The net margin of Bank of Lanzhou Co. Ltd. is 24.0% (fiscal year 2025). 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 5.2% (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 46.7% (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 −3.3% 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 −6.6% 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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