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Luzhou Bank CoHKSE:01983 -0.67%81 Net Margin % is 27.17% as of Dec. 2025, which is 9% above its 10-year median of 24.82. GuruFocus rates HKSE:01983 with a GF Score™ of 81/100 and a GF Value™ of HK$2.58 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Luzhou Bank Co ranks better than 60.88% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Luzhou Bank Co's Net Income for the
six
months ended in Dec. 2025 was HK$706 Mil. Luzhou Bank Co's Revenue for the
six
months ended in Dec. 2025 was HK$2,598 Mil. Therefore, Luzhou Bank Co's net margin for the quarter that ended in Dec. 2025 was 27.17%.
The historical rank and industry rank for Luzhou Bank Co's Net Margin % or its related term are showing as below:
HKSE:01983'
s Net Margin % Range Over the Past 10 Years
Min: 20.81 Med: 24.82 Max: 41.75
Current: 30.71
HKSE:01983's Net Margin % is ranked better than 60.88% of 1526
companies
in the Banks industry
Industry Median: 27.295
vs HKSE:01983: 30.71
Luzhou Bank Co (HKSE:01983) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Luzhou Bank Co Net Margin % Related Terms
Luzhou Bank Co Net Margin % Historical Data
* Premium members only.
The historical data trend for Luzhou Bank Co's Net Margin % 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.
For the Banks - Regional subindustry, Luzhou Bank Co's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Luzhou Bank Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Luzhou Bank Co's Net Margin % falls into.
* 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.
Luzhou Bank Co (HKSE:01983) has a Net Margin % of 27.17% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Luzhou Bank Co and its competitors. This is near median its historical median of 24.82. Over the past decade, Luzhou Bank Co's Net Margin % has ranged from 20.81 to 41.75. According to the industry distribution chart, Luzhou Bank Co ranks #597 out of 1526 companies in the Banks industry, placing it in the top 39.1%.
Is Luzhou Bank Co's Net Margin % too high?
Luzhou Bank Co's current Net Margin % of 27.17% is near median its 10-year median of 24.82. Over the past 10 years, this metric has ranged from a low of 20.81 to a high of 41.75. The Banks industry median Net Margin % is 27.30. Luzhou Bank Co's value of 27.17% is 0.5% below this industry median. Based on the distribution chart, Luzhou Bank Co ranks #597 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Luzhou Bank Co has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Luzhou Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Luzhou Bank Co ranks #597 out of 1526 companies for Net Margin %. This puts Luzhou Bank Co in the upper half of its industry. The industry median Net Margin % is 27.30. Luzhou Bank Co's value of 27.17% is 0.5% below this benchmark. Historically, Luzhou Bank Co's own Net Margin % has ranged from 20.81 to 41.75 over the past decade. While the company's 10-year median is 24.82 vs. the industry median of 27.30, Luzhou Bank Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.30, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Luzhou Bank Co's current Net Margin % of 27.17% is 0.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Luzhou Bank Co and its competitors. For the Banks industry, the median Net Margin % is 27.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Luzhou Bank Co's current Net Margin % is 27.17%, which is near median its own 10-year median of 24.82. 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 Net Margin % is 27.17%, which is near median its 10-year median of 24.82 and 0.5% below the Banks industry median of 27.30. Luzhou Bank Co's overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Luzhou Bank Co (HKSE:01983), the current Net Margin % is 27.17% as of Dec. 2025. 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:
Net Margin %: 27.17% (near median its 10-year median of 24.82)
GF Value™: HK$2.58 vs. price of HK$2.22 (14.1% below fair value)
Industry Position: 0.5% below the Banks median (#597 of 1526)
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 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.
81GF Score
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