Xiamen Bank Co (SHSE:601187) E10: ¥0.84 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SHSE:601187 Xiamen Bank Co Ltd SHSE:601187
62 GF Score
Price ¥7.30
GF Value ¥5.96
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Xiamen Bank Co E10?

Xiamen Bank Co SHSE:601187 +0.69% 62 E10 is ¥0.84 as of Mar. 2026. GuruFocus rates SHSE:601187 with a GF Score™ of 62/100 and a GF Value™ of ¥5.96 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Xiamen Bank Co's adjusted earnings per share data for the three months ended in Mar. 2026 was ¥0.240. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ¥0.84 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Xiamen Bank Co's average E10 Growth Rate was 2.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-08-09), Xiamen Bank Co's current stock price is ¥7.30. Xiamen Bank Co's E10 for the quarter that ended in Mar. 2026 was ¥0.84. Xiamen Bank Co's Shiller PE Ratio of today is 8.69.

During the past 13 years, the highest Shiller PE Ratio of Xiamen Bank Co was 9.66. The lowest was 5.53. And the median was 7.02.


Xiamen Bank Co  (SHSE:601187) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Xiamen Bank Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.30/0.84
=8.69

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Xiamen Bank Co was 9.66. The lowest was 5.53. And the median was 7.02.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Xiamen Bank Co E10 Related Terms


Xiamen Bank Co E10 Historical Data

* Premium members only.

The historical data trend for Xiamen Bank Co's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Xiamen Bank Co E10 Chart

Xiamen Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.80 0.82 0.83

Xiamen Bank Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.82 0.82 0.83 0.83 0.84

Xiamen Bank Co E10 Competitor Comparison

For the Banks - Regional subindustry, Xiamen Bank Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Xiamen Bank Co Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Xiamen Bank Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Xiamen Bank Co's Shiller PE Ratio falls into.


SHSE:601187
62GF Score
Xiamen Bank Co Ltd SHSE:601187
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Xiamen Bank Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Xiamen Bank Co's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.24/116.3033*116.3033
=0.240

Current CPI (Mar. 2026) = 116.3033.

Xiamen Bank Co Quarterly Data

per share eps CPI Adj_EPS
201412 0.000 99.000 0.000
201506 0.000 99.500 0.000
201512 0.000 100.600 0.000
201603 0.144 102.200 0.164
201606 0.088 101.400 0.101
201609 0.191 102.400 0.217
201612 0.128 102.600 0.145
201706 0.000 103.100 0.000
201712 0.000 104.500 0.000
201806 0.000 104.900 0.000
201812 0.000 106.500 0.000
201903 0.157 107.700 0.170
201906 0.196 107.700 0.212
201909 0.140 109.800 0.148
201912 0.230 111.200 0.241
202003 0.220 112.300 0.228
202006 0.180 110.400 0.190
202009 0.130 111.700 0.135
202012 0.220 111.500 0.229
202103 0.200 112.662 0.206
202106 0.210 111.769 0.219
202109 0.160 112.215 0.166
202112 0.230 113.108 0.236
202203 0.210 114.335 0.214
202206 0.230 114.558 0.234
202209 0.210 115.339 0.212
202212 0.250 115.116 0.253
202303 0.250 115.116 0.253
202306 0.260 114.558 0.264
202309 0.240 115.339 0.242
202312 0.210 114.781 0.213
202403 0.260 115.227 0.262
202406 0.170 114.781 0.172
202409 0.220 115.785 0.221
202412 0.240 114.893 0.243
202503 0.220 115.116 0.222
202506 0.190 114.907 0.192
202509 0.250 115.471 0.252
202512 0.240 115.832 0.241
202603 0.240 116.303 0.240

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ¥0.84 mean?
Xiamen Bank Co (SHSE:601187) has a E10 of ¥0.84 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Xiamen Bank Co and its competitors.
Is Xiamen Bank Co's E10 too high?
Xiamen Bank Co's current E10 is ¥0.84. Overall, Xiamen Bank Co has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Xiamen Bank Co's E10 compare to competitors?
Xiamen Bank Co's E10 of ¥0.84 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Xiamen Bank Co and its competitors. Xiamen Bank Co's current E10 is ¥0.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Xiamen Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Xiamen Bank Co (SHSE:601187) is currently considered Modestly Overvalued. The stock's GF Value™ is ¥5.96, compared to a current price of ¥7.30 — trading 22.5% above its estimated fair value. The current E10 is ¥0.84. Xiamen Bank Co's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Xiamen Bank Co (SHSE:601187), the current E10 is ¥0.84 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Xiamen Bank Co (SHSE:601187) Overvalued in 2026?

Based on GuruFocus' analysis, Xiamen Bank Co stock appears to be overvalued. The current stock price of ¥7.30 is trading 22.5% above its estimated GF Value™ of ¥5.96. GuruFocus considers Xiamen Bank Co to be Modestly Overvalued.

Key valuation signals for SHSE:601187:

  • E10: ¥0.84
  • GF Value™: ¥5.96 vs. price of ¥7.30 (22.5% above fair value)
  • GF Score™: 62/100 with 6 warning signs

No single metric tells the full story. See the SHSE:601187 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Xiamen Bank Co Business Description

Address 101 Hubin North Road, Commercial Bank Building, Siming District, Fujian Province, Xiamen, CHN, 361012
Xiamen Bank Co Ltd operates as a bank providing corporate banking, personal banking and treasury services. The banks services are to absorb public deposits; to issue short-term, medium-term and long-term loans; to handle domestic settlement; to handle bill discounting; to issue financial bonds; agency issuance, redemption, and underwriting government Bonds; buying and selling government bonds; engaging in inter-bank lending; providing guarantees and services; agency collection and payment and insurance agency business; providing safe deposit box business; handling places Entrusted loan business for the use of funds for fiscal credit turnover; among others.
62GF Score

Get the complete analysis for SHSE:601187

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥7.30
Price
¥5.96
GF Value