ScoreWhy is Bank of Lanzhou Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.10% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 4.94%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.10% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.36% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 4.94%
3
Flat results in Mar 25
- NET SALES(Q) Fallen at -11.79%
4
With ROA of 0.27%, it has a fair valuation with a 0.22 Price to Book Value
- Over the past year, while the stock has generated a return of -8.99%, its profits have risen by 2.5% ; the PEG ratio of the company is 1.4
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -8.99% returns in the last 1 year, the stock has also underperformed China Shanghai Composite in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bank of Lanzhou Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Lanzhou Co., Ltd.
-12.21%
-0.11
19.23%
China Shanghai Composite
12.95%
1.01
15.10%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-6.27%
EBIT Growth (5y)
-0.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
30.48%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.22
EV to EBIT
64.14
EV to EBITDA
51.89
EV to Capital Employed
0.79
EV to Sales
5.62
PEG Ratio
1.39
Dividend Yield
2.12%
ROCE (Latest)
1.23%
ROE (Latest)
6.19%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 19,880.79 MM
NET PROFIT(Q)
Highest at CNY 558.56 MM
EPS(Q)
Highest at CNY 0.1
-6What is not working for the Company
NET SALES(Q)
Fallen at -11.79%
Here's what is working for Bank of Lanzhou Co., Ltd.
Operating Cash Flow
Highest at CNY 19,880.79 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Net Profit
Highest at CNY 558.56 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.1
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Here's what is not working for Bank of Lanzhou Co., Ltd.
Net Sales
Fallen at -11.79%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
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