Luzhou Bank Co (HKSE:01983) Margin of Safety % (DCF Earnings Based): 72.79% (As of Aug. 22, 2026)

Author: Vera Yuan Vera Yuan
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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.
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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.

HKSE:01983 Luzhou Bank Co Ltd HKSE:01983
82 GF Score
Price HK$2.22
GF Value HK$2.58
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Luzhou Bank Co Margin of Safety % (DCF Earnings Based)?

Luzhou Bank Co HKSE:01983 -0.67% 82 Margin of Safety % (DCF Earnings Based) is 72.79% as of Aug. 22, 2026. GuruFocus rates HKSE:01983 with a GF Score™ of 82/100 and a GF Value™ of HK$2.58 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-22), Luzhou Bank Co's Predictability Rank is 3-Stars. Luzhou Bank Co's intrinsic value calculated from the Discounted Earnings model is HK$8.14 and current share price is HK$2.215. Consequently,

Luzhou Bank Co's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 72.79%.

Luzhou Bank Co Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Luzhou Bank Co's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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.

Luzhou Bank Co Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Luzhou Bank Co's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Luzhou Bank Co's Margin of Safety % (DCF Earnings Based) falls into.


HKSE:01983
82GF Score
Luzhou Bank Co Ltd HKSE:01983
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Luzhou Bank Co Margin of Safety % (DCF Earnings Based) Calculation

Luzhou Bank Co's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(8.14-2.215)/8.14
=72.79 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 72.79% mean?
Luzhou Bank Co (HKSE:01983) has a Margin of Safety % (DCF Earnings Based) of 72.79% as of Aug. 22, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Luzhou Bank Co.
Is Luzhou Bank Co's Margin of Safety % (DCF Earnings Based) too high?
Luzhou Bank Co's current Margin of Safety % (DCF Earnings Based) is 72.79%. Overall, Luzhou Bank Co has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Luzhou Bank Co's Margin of Safety % (DCF Earnings Based) compare to competitors?
Luzhou Bank Co's Margin of Safety % (DCF Earnings Based) of 72.79% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Luzhou Bank Co. Luzhou Bank Co's current Margin of Safety % (DCF Earnings Based) is 72.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luzhou Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Luzhou Bank Co (HKSE:01983) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$2.58, compared to a current price of HK$2.22 — trading 14.1% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 72.79%. Luzhou Bank Co's overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Luzhou Bank Co (HKSE:01983), the current Margin of Safety % (DCF Earnings Based) is 72.79% as of Aug. 22, 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 Luzhou Bank Co (HKSE:01983) Overvalued in 2026?

Based on GuruFocus' analysis, Luzhou Bank Co stock appears to be undervalued. The current stock price of HK$2.22 is trading 14.1% below its estimated GF Value™ of HK$2.58. GuruFocus considers Luzhou Bank Co to be Modestly Undervalued.

Key valuation signals for HKSE:01983:

  • Margin of Safety % (DCF Earnings Based): 72.79%
  • GF Value™: HK$2.58 vs. price of HK$2.22 (14.1% below fair value)
  • GF Score™: 82/100 with 2 warning signs

No single metric tells the full story. See the HKSE:01983 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Luzhou Bank Co Business Description

Address No. 248 Queen’s Road East, 40th Floor, Dah Sing Financial Centre, Wanchai, Hong Kong, HKG
Luzhou Bank Co Ltd is a commercial bank in Luzhou, providing financial services to its customers. The company's services include deposits, loans, e-banking, interbank finance, investment and financial management, deposit business, convenience finance, phone banking, personal online banking, and mobile banking. The operating business segments are Corporate Banking, Retail Banking, Financial Markets, and Others. The majority of revenue is derived from the Corporate banking segment.
82GF Score

Get the complete analysis for HKSE:01983

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$2.22
Price
HK$2.58
GF Value