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← CockpitCompetitor Analysis › 1983.HK Luzhou Bank Co., Ltd. Class HOpen in the cockpit ↗

Luzhou Bank Co., Ltd. Class H1983.HKCompetitor analysis, valuation and peers

Hong Kong · HKD·Financials›Regional Banks
Momentum leader 83
Mkt cap
$790M
US dollars, full cap
Free float
32%
of shares outstanding
$/day
$3,898
20-day average traded
P/B
0.45×
price to book
ROE
14.0%
delivered
Implied ROE
4.0%
what the price asks
Next earnings
144 days
30 Mar 2027
Close · HKDHK$2.28
1D+3.6%
1W+6.0%
1M+0.9%
3M+15.7%
6M-4.6%
YTD+1.8%
1Y-1.3%
ATR %2.7%
52w lowhigh42.4% off high

What Luzhou Bank does

Employees: 1,977

Luzhou Bank at a glance

Size Luzhou Bank (1983.HK) is a Hong Kong Financials company (Regional Banks) with a market value of $790M, the 652nd largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$2.28 on 6 Nov 2026.

Performance Over six months the shares fell 4.6%, against +5.2% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — 7th lowest of 20 in its peer set.

Growth Revenue grew 5.9% over the last twelve months (peer median +7.7%); the operating margin is 45.5% (peer median 34.0%).

Valuation It trades at 0.45× book value against a peer median of 1.16× (4th cheapest of 21).

Price implies The share price implies a return on equity of about 4.0%; Luzhou Bank delivers 14.0%, so the price asks less than the business earns today.

Next results Next results expected around 30 Mar 2027 (exchange calendar; dates can move).

Relative performance

809010011011 May 202611 Aug 20266 Nov 2026Peer median 1081983.HK 94
Six months, rebased to 100: Luzhou Bank against the median of its 20 peers (local-currency closes).

Luzhou Bank financials

Reported figures in HKD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
RevenueHK$10.2BHK$9.63BHK$10.0BHK$9.75BHK$9.44B
Revenue growth—-4%+3%+3%—
Net incomeHK$1.77BHK$1.55BHK$1.28BHK$994MHK$939M
Free cash flow-HK$2.40B-HK$6.70B-HK$14.9B-HK$48.7B-HK$12.0B
Capital expenditureHK$912MHK$898MHK$222MHK$268MHK$264M
Total debtn/aHK$35.9BHK$25.5BHK$32.1BHK$32.9B

Quarterly statements and history in the cockpit →

Luzhou Bank competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+50%+100%-20%0%+20%CBGSPFIIBCPAGBKFISIPGCSMBKRINGVBNKTKBP255883448541834383451983.HK6-month return →1-month return →
Up and to the right = strong over both horizons. Luzhou Bank is the large dot.

Fundamentals: return on equity against price-to-book

0%10%20%30%0.50×10×1.50×CBGSPFIIBCPFISIPGCVBNKSHBITKBP2558S41834485411983.HKReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Luzhou Bank is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%CBGSPFIIBCPPGCSMBKRINGVBNKRCBC2558S4183441983.HKROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Luzhou Bank is the large dot.

Luzhou Bank competitors and peer comparison

How Luzhou Bank compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Luzhou Bank against its 20 peers (data as of 6 Nov 2026)
Measure1983.HKPeer medianRank in peer set
1-month return+0.9%+0.3%11th highest of 21
6-month return-4.6%+5.2%7th lowest of 20
Return on equity14.0%8.9%3rd highest of 20
Price / book0.45×1.16×4th cheapest of 21
Trailing P/E3.5×11.7×2nd cheapest of 19
ROE the price implies4.0%8.6%3rd least demanding of 19
ROE delivered14.0%8.9%3rd highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Luzhou Bank 1983.HKHong Kong$790M-5%+6%14%0.45×4.0%14.0%
Close Brothers CBG.LUnited Kingdom$791M-10%-12%-6%0.40×8.8%-5.9%
South Plains Financial SPFIUnited States$800M+4%+10%13%1.28×8.4%12.6%
Independent Bank IBCPUnited States$802M+5%+3%14%1.39×10.6%13.5%
AGI AGBKUnited States$777M-31%n/an/a0.84×11.3%n/a
Financial Institutions FISIUnited States$776M+12%+42%30%1.29×n/a30.0%
Peapack-Gladstone Financial PGCUnited States$814M+7%+11%9%1.10×9.1%8.9%
SmartFinancial SMBKUnited States$816M+13%+10%11%1.40×10.8%11.1%
SpareBank 1 Ringerike Hadeland RING.OLNorway$752M+2%-4%13%1.40×6.9%13.0%
VersaBank VBNK.TOCanada$752M+27%+14%6%1.86×13.6%6.2%
River City Bank RCBCUnited States$832Mn/a+1%16%1.38×7.6%15.9%
Shore Bancshares SHBIUnited States$746M+14%+3%11%1.21×10.2%11.5%
Thurgauer Kantonalbank TKBP.SWSwitzerland$838M-6%-11%6%0.23×n/a5.6%
HomeTrust Bancshares HTBUnited States$743M+2%-3%11%1.30×10.6%11.3%
Jinshang Bank 2558.HKHong Kong$741M-31%-5%6%0.18×3.5%6.1%
Hong Leong Finance S41.SISingapore$846M-5%-27%3%0.51×2.5%3.1%
Washington Trust Bancorp WASHUnited States$737M+19%+30%12%1.39×10.6%12.0%
Yamagata Bank 8344.TJapan$736M+49%+25%5%0.75×5.3%5.1%
Ehime Bank 8541.TJapan$733M+66%+8%5%0.80×5.2%5.1%
Akita Bank 8343.TJapan$731M+107%+29%5%0.61×5.3%5.0%
Bank of Iwate 8345.TJapan$857M-6%+24%5%0.64×5.7%5.2%

Questions

Which companies are Luzhou Bank's closest peers?
The cockpit's peer set: Close Brothers (CBG.L), South Plains Financial (SPFI), Independent Bank (IBCP), AGI (AGBK), Financial Institutions (FISI), Peapack-Gladstone Financial (PGC), SmartFinancial (SMBK), SpareBank 1 Ringerike Hadeland (RING.OL).
Is Luzhou Bank expensive compared with its peers?
On price / book it trades at 0.45× against a peer median of 1.16×, 4th cheapest of 21 in its peer set. The share price implies a return on equity of about 4.0%; Luzhou Bank delivers 14.0%, so the price asks less than the business earns today.
How has Luzhou Bank stock performed?
Over six months to 6 Nov 2026 the shares returned -4.6% against +5.2% for the median peer; over one year -1.3%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.