Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
001227.SZ
STRONG SELLREMOVEBank of Lanzhou Co., Ltd. · Financial Services · China · $1.8B · Avg Vol: $13M/d
Regional Chinese bank facing structural net interest margin compression and real estate exposure. Does not align with any of our core macro themes and fails the Terry Smith quality filter due to low ROIC and high leverage.
COMPANY DESCRIPTION
Bank of Lanzhou Co., Ltd. provides commercial banking services, including corporate banking, retail banking, and treasury operations, primarily in Gansu province. The company maintains a strong regional market share and deep relationships with local state-owned enterprises and government projects. It serves as a leading regional bank in Northwest China, acting as a key financial pillar for local economic development.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 1.1B | 1.2B | 1.2B | 1.1B | 1.3% |
| EPS | 0.04 | 0.04 | 0.04 | 0.04 | 2.6% |
| Shares | 5.7B | 5.7B | 5.7B | 5.7B | 0.0% |
| Debt | 3.2B | 2.7B | 3.8B | 6.8B | 28.9% |
| Equity | 4.7B | 4.9B | 5.3B | 5.2B | 3.9% |
| Op CF | 1.4B | 647.5M | 2.2B | 4.0B | 42.3% |
| Inv CF | -481.9M | -891.3M | -2.5B | -3.9B | — |
| Fin CF | -148.1M | -147.3M | 318.2M | 152.6M | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 001227.SZ are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| 001227.SZ | Bank of Lanzhou Co., Ltd.(you) | $1.8B | 19 | STRONG SELL |
| 002958.SZ | Qingdao Rural Commercial Bank Co., Ltd. | $2.3B | 19 | STRONG SELL |
| 002936.SZ | Bank of Zhengzhou Co., Ltd. | $2.3B | 19 | STRONG SELL |
| 601528.SS | Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd | $1.3B | 18 | STRONG SELL |
| 1216.HK | Zhongyuan Bank Co., Ltd. | $1.4B | 20 | STRONG SELL |
| 600928.SS | Bank of Xi'an Co.,Ltd. | $2.2B | 23 | SELL |
| 9668.HK | China Bohai Bank Co., Ltd. | $1.6B | 10 | STRONG SELL |
| 600908.SS | Wuxi Rural Commercial Bank Co.,Ltd | $1.7B | 32 | SELL |
| 1578.HK | Bank of Tianjin Co., Ltd. | $1.7B | 33 | SELL |
| 601860.SS | Jiangsu Zijin Rural Commercial Bank Co.,Ltd | $1.4B | 30 | SELL |
Peer medians: ROE 8.2% · P/E 8.3x · Gross margin 36.1%