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← CockpitCompetitor Analysis › 2139.HK Bank of Gansu Co., Ltd. Class HOpen in the cockpit ↗

Bank of Gansu Co., Ltd. Class H2139.HKCompetitor analysis, valuation and peers

Hong Kong · HKD·Financials›Regional Banks
Momentum neutral 48
Mkt cap
$467M
US dollars, full cap
Free float
33%
of shares outstanding
$/day
$16,846
20-day average traded
P/B
0.10×
price to book
ROE
1.8%
delivered
Implied ROE
3.2%
what the price asks
Next earnings
145 days
31 Mar 2027
Close · HKDHK$0.24
1D0.0%
1W-2.0%
1M0.0%
3M+3.0%
6M-40.0%
YTD-0.4%
1Y-4.7%
ATR %3.0%
52w lowhigh42.1% off high

What Bank of Gansu does

Employees: 4,615

Bank of Gansu at a glance

Size Bank of Gansu (2139.HK) is a Hong Kong Financials company (Regional Banks) with a market value of $467M, the 773rd largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$0.24 on 6 Nov 2026.

Performance Over six months the shares fell 40.0%, against +19.8% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — lowest of 19 in its peer set.

Growth Revenue fell 4.0% over the last twelve months (peer median +3.2%); the operating margin is 14.1% (peer median 37.0%).

Valuation It trades at 0.10× book value against a peer median of 1.33× (cheapest of 21).

Price implies The share price implies a return on equity of about 3.2%; Bank of Gansu delivers 1.8%, so the price asks more than the business earns today.

Next results Next results expected around 31 Mar 2027 (exchange calendar; dates can move).

Relative performance

608010012011 May 202611 Aug 20266 Nov 2026Peer median 1212139.HK 60
Six months, rebased to 100: Bank of Gansu against the median of its 20 peers (local-currency closes).

Bank of Gansu financials

Reported figures in HKD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
RevenueHK$13.9BHK$14.0BHK$15.5BHK$16.8BHK$17.8B
Revenue growth—-10%-7%-6%—
Net incomeHK$695MHK$638MHK$631MHK$712MHK$699M
Free cash flow-HK$5.74B-HK$5.32B-HK$910MHK$2.79BHK$3.13B
Capital expenditureHK$138MHK$149MHK$235MHK$188MHK$281M
Total debtn/aHK$69.8BHK$61.3BHK$64.0BHK$71.7B

Quarterly statements and history in the cockpit →

Bank of Gansu 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

-40%-20%0%+20%-20%-10%0%+10%BMRCJSFBDJURPBFSHBCPDABCBKFRBAGLKBNFMAOPLBCRBBMORROWNRIM2139.HK6-month return →1-month return →
Up and to the right = strong over both horizons. Bank of Gansu is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%0.50×10×1.50×BMRCJSFBDJURPBFSHBCPPBAMDABCBKFRBAGLKBNFMAOCZNCPLBCRBBPCBFOBANKMORROWWTBANRIMFCBM2139.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. Bank of Gansu is the large dot.

Capital: ROE delivered against the ROE the price implies

0%5%10%15%0%10%BMRCJSFBDJURPBFSHBCPPBAMDABCBKFRBAGLKBNFMAOCZNCPLBCRBBFOBANKMORROWWTBA2139.HKROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Bank of Gansu is the large dot.

Bank of Gansu competitors and peer comparison

How Bank of Gansu 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.

Bank of Gansu against its 20 peers (data as of 6 Nov 2026)
Measure2139.HKPeer medianRank in peer set
1-month return0.0%+4.5%6th lowest of 21
6-month return-40.0%+19.8%lowest of 19
Return on equity1.8%10.9%2nd lowest of 21
Price / book0.10×1.33×cheapest of 21
Trailing P/E5.3×11.2×cheapest of 19
ROE the price implies3.2%8.6%2nd least demanding of 21
ROE delivered1.8%11.0%2nd lowest 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
Bank of Gansu 2139.HKHong Kong$467M-40%-4%2%0.10×3.2%1.8%
Bank of Marin Bancorp BMRCUnited States$462M+9%-19%-3%1.22×10.2%-2.9%
Jana Small Finance Bank JSFB.NSIndia$457M-13%+18%10%0.88×15.2%10.3%
Djurslands Bank A/S DJUR.CODenmark$478M+27%+2%15%1.58×5.9%14.6%
Pioneer Bancorp PBFSUnited States$456M+26%+18%4%1.38×8.6%4.0%
Home Bancorp HBCPUnited States$480M-5%+1%10%1.06×7.7%10.2%
Private Bancorp of America PBAMUnited States$484Mn/a+4%17%1.66×8.6%16.8%
Danske Andelskassers Bank A/S DAB.CODenmark$484M-8%-7%8%1.10×4.8%7.7%
Commercial Bancgroup CBKUnited States$448M+12%-1%15%1.44×9.2%14.6%
First Bank FRBAUnited States$488M+30%+1%10%1.06×7.8%9.6%
Glarner Kantonalbank GLKBN.SWSwitzerland$442M+19%-16%6%0.81×2.1%5.8%
Farmers & Merchants Bancorp FMAOUnited States$500M+31%+7%11%1.29×10.3%11.3%
Citizens & Northern CZNCUnited States$501M+29%+25%11%1.46×8.5%11.0%
Plumas Bancorp PLBCUnited States$435M+20%+24%17%1.65×10.7%16.6%
RBB Bancorp RBBUnited States$433M+7%+4%8%0.81×8.8%8.4%
PCB Bancorp PCBUnited States$422M+22%+4%11%1.27×8.4%10.8%
Foroya Banki FOBANK.CODenmark$422M+20%-12%14%1.44×5.6%13.6%
Morrow Bank MORROW.STSweden$518M+30%+4%11%1.57×5.7%11.4%
West Bancorporation WTBAUnited States$520M+27%0%15%1.92×13.1%15.5%
Northrim BanCorp NRIMUnited States$523M-5%+3%17%1.47×12.6%16.6%
First Carolina Financial Services FCBMUnited States$415Mn/a+28%4%0.96×6.5%n/a

Questions

Which companies are Bank of Gansu's closest peers?
The cockpit's peer set: Bank of Marin Bancorp (BMRC), Jana Small Finance Bank (JSFB.NS), Djurslands Bank A/S (DJUR.CO), Pioneer Bancorp (PBFS), Home Bancorp (HBCP), Private Bancorp of America (PBAM), Danske Andelskassers Bank A/S (DAB.CO), Commercial Bancgroup (CBK).
Is Bank of Gansu expensive compared with its peers?
On price / book it trades at 0.10× against a peer median of 1.33×, cheapest of 21 in its peer set. The share price implies a return on equity of about 3.2%; Bank of Gansu delivers 1.8%, so the price asks more than the business earns today.
How has Bank of Gansu stock performed?
Over six months to 6 Nov 2026 the shares returned -40.0% against +19.8% for the median peer; over one year -4.7%.

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.