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Xiamen Bank Co (601187) Fair Value & Analysis

Financial Services · CN · Market cap 21.1B CNY

Price¥7.36
Fair Value¥12.97
Upside+76.2%
Quality95/100
Evidence: Medium Range ¥9.73 – ¥16.22

Fair value as of: Jun 25, 2026

Analysis

Xiamen Bank Co (601187) currently trades at ¥7.36, while our model-based Fair Value estimate is ¥12.97 — implying the stock looks roughly 76.2% 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: medium) — always confirm before acting.

About the company

Xiamen Bank Co., Ltd. provides various banking products and services to individuals, corporate customers, and small and micro finance businesses in China and internationally. It offers personal savings products, personal loans, investment and financial management products, bank cards, and convenience finance services; cash management, international business, investment banking, intermediate business, and investment banking services, as well as corporate deposits and loans; and financing solutions for emerging and small businesses. The company also provides financial market services, including precious metal, bond, foreign exchange and derivative, bill collection, inter-bank, and franchise business services; and online and mobile banking services. It has branches in Chongqing and Fujian Province. The company was founded in 1996 and is based in Xiamen, China.

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Frequently asked questions

Is Xiamen Bank Co (601187) undervalued?
As of Jun 25, 2026, our model estimates a fair value of ¥12.97 versus a price of ¥7.36 — about +76% (undervalued). Model-based estimate, not financial advice.
What is the fair value of 601187?
Our 21-model fair value for Xiamen Bank Co is ¥12.97 (as of Jun 25, 2026), built from audited fundamentals. The current price is ¥7.36.
What is the quality score of 601187?
Xiamen Bank Co has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.