Harbin Bank CoFRA:5H6 +3.23%41 Median PS Value is €0.08 as of Jul. 01, 2026, which is 100% below its 10-year median of 0.27. GuruFocus rates FRA:5H6 with a GF Score™ of 41/100 and a GF Value™ of €0.03. The stock has 5 warning signs investors should review. Among 1,040 Banks companies, Harbin Bank Co ranks better than 98.27% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. Harbin Bank Co's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.126. Harbin Bank Co's 10-Year median PS Ratio is 0.6349. Therefore, the Median PS Value for today is €0.08.
As of today (2026-07-01), Harbin Bank Co's share price is €0.032. Harbin Bank Co's Median PS Value is €0.08. Therefore, Harbin Bank Co's Price to Median PS Value for today is 0.40.
The historical rank and industry rank for Harbin Bank Co's Median PS Value or its related term are showing as below:
FRA:5H6'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.17 Med: 0.27 Max: 0.45
Current: 0.4
During the past 13 years, the highest Price to Median PS Value of Harbin Bank Co was 0.45. The lowest was 0.17. And the median was 0.27.
FRA:5H6's Price-to-Median-PS-Value is ranked better than 98.27% of 1040
companies
in the Banks industry
Industry Median: 1.11
vs FRA:5H6: 0.40
Harbin Bank Co (FRA:5H6) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Harbin Bank Co's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.032
/
0.08
=
0.40
* 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.
Harbin Bank Co Median PS Value Related Terms
Harbin Bank Co Median PS Value Historical Data
* Premium members only.
The historical data trend for Harbin Bank Co's Median PS Value 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.
Harbin Bank Co Median PS Value Competitor Comparison
For the Banks - Regional subindustry, Harbin Bank Co's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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.
Harbin Bank Co Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Harbin Bank Co's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Harbin Bank Co's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.6349.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harbin Bank Co's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.126.
* 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.
Harbin Bank Co (FRA:5H6) has a Median PS Value of €0.08 as of Jul. 01, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Harbin Bank Co and its competitors. This is 70% below median its historical median of 0.27. Over the past decade, Harbin Bank Co's Median PS Value has ranged from 0.17 to 0.45. According to the industry distribution chart, Harbin Bank Co ranks #18 out of 1040 companies in the Banks industry, placing it in the top 1.7%.
Is Harbin Bank Co's Median PS Value too high?
Harbin Bank Co's current Median PS Value of €0.08 is 70% below median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.45. Based on the distribution chart, Harbin Bank Co ranks #18 out of 1040 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Harbin Bank Co has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's Median PS Value compare to competitors?
According to the Banks industry distribution chart, Harbin Bank Co ranks #18 out of 1040 companies for Median PS Value. This places Harbin Bank Co in the top 2% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.11. Historically, Harbin Bank Co's own Median PS Value has ranged from 0.17 to 0.45 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,040 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Harbin Bank Co and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbin Bank Co's current Median PS Value is €0.08, which is 70% below median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbin Bank Co stock overvalued right now?
Harbin Bank Co (FRA:5H6) has a current Median PS Value of €0.08. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 6.7% above its estimated fair value. The current Median PS Value is €0.08, which is 70% below median its 10-year median of 0.27. Harbin Bank Co's overall GF Score™ is 41/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Harbin Bank Co (FRA:5H6), the current Median PS Value is €0.08 as of Jul. 01, 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?
Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued.
The current stock price of €0.03 is trading 6.7% above its estimated GF Value™ of €0.03.
Key valuation signals for FRA:5H6:
Median PS Value: €0.08 (70% below median its 10-year median of 0.27)
GF Value™: €0.03 vs. price of €0.03 (6.7% above fair value)
No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
41GF Score
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