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Bank of Xi'an Co (600928) Fair Value & Analysis

Financial Services · CN · Market cap 16.0B CNY

Price¥3.42
Fair Value¥6.84
Upside+100.0%
Quality95/100
Evidence: High Range ¥5.13 – ¥8.55

Analysis

Bank of Xi'an Co (600928) currently trades at ¥3.42, while our model-based Fair Value estimate is ¥6.84 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Bank of Xi'an Co.,Ltd., together with its subsidiaries, provides banking products and services in China. It operates through Corporate Banking, Personal Banking Business, Treasury Operations, and Other segments. The Corporate Finance segment provides corporate deposit, loans and advances, trade financing, bond underwriting services, agency, settlement and clearing, commitments and guarantee services, etc. to corporate clients, government agencies and financial institutions. The Personal Banking Business segment offers personal loans, personal credit cards, personal deposits, personal financial services, remittance services, and bank card services to individual customers. The Treasury Operations segment provides inter-bank lending transactions, repurchase transactions, debt instrument investments, equity instrument investment, fund investment, trust investment, asset management plan investment, etc., as well as purchases and sells transactions in the interbank market. This segment al…

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How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.