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Bank of Gansu CoHKSE:02139 +2.51%44 Net Margin % is 6.72% as of Dec. 2025, which is 45% below its 10-year median of 12.14. GuruFocus rates HKSE:02139 with a GF Score™ of 44/100 and a GF Value™ of HK$0.32 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Bank of Gansu Co ranks worse than 86.76% on this metric.
Bank of Gansu Co (HKSE:02139) 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.
Bank of Gansu Co Net Margin % Related Terms
Bank of Gansu Co Net Margin % Historical Data
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The historical data trend for Bank of Gansu 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.
Bank of Gansu Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank of Gansu 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.
Bank of Gansu Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Gansu Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank of Gansu 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.
Bank of Gansu Co (HKSE:02139) has a Net Margin % of 6.72% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bank of Gansu Co and its competitors. This is 45% below median its historical median of 12.14. Over the past decade, Bank of Gansu Co's Net Margin % has ranged from 7.75 to 43.01. According to the industry distribution chart, Bank of Gansu Co ranks #1324 out of 1526 companies in the Banks industry, placing it in the top 86.8%.
Is Bank of Gansu Co's Net Margin % too high?
Bank of Gansu Co's current Net Margin % of 6.72% is 45% below median its 10-year median of 12.14. Over the past 10 years, this metric has ranged from a low of 7.75 to a high of 43.01. The Banks industry median Net Margin % is 27.30. Bank of Gansu Co's value of 6.72% is 75.4% below this industry median. Based on the distribution chart, Bank of Gansu Co ranks #1324 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Gansu Co has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Gansu Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of Gansu Co ranks #1324 out of 1526 companies for Net Margin %. This places Bank of Gansu Co in the lower half of its industry. The industry median Net Margin % is 27.30. Bank of Gansu Co's value of 6.72% is 75.4% below this benchmark. Historically, Bank of Gansu Co's own Net Margin % has ranged from 7.75 to 43.01 over the past decade. While the company's 10-year median is 12.14 vs. the industry median of 27.30, Bank of Gansu 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. Bank of Gansu Co's current Net Margin % of 6.72% is 75.4% 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 Bank of Gansu 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. Bank of Gansu Co's current Net Margin % is 6.72%, which is 45% below median its own 10-year median of 12.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Gansu Co stock overvalued right now?
Based on GuruFocus' analysis, Bank of Gansu Co (HKSE:02139) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$0.32, compared to a current price of HK$0.25 — trading 23.4% below its estimated fair value. The current Net Margin % is 6.72%, which is 45% below median its 10-year median of 12.14 and 75.4% below the Banks industry median of 27.30. Bank of Gansu Co's overall GF Score™ is 44/100 with 4 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 Bank of Gansu Co (HKSE:02139), the current Net Margin % is 6.72% 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 Bank of Gansu Co (HKSE:02139) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Gansu Co stock appears to be undervalued.
The current stock price of HK$0.25 is trading 23.4% below its estimated GF Value™ of HK$0.32.
GuruFocus considers Bank of Gansu Co to be Modestly Undervalued.
Key valuation signals for HKSE:02139:
Net Margin %: 6.72% (45% below median its 10-year median of 12.14)
GF Value™: HK$0.32 vs. price of HK$0.25 (23.4% below fair value)
Industry Position: 75.4% below the Banks median (#1324 of 1526)
No single metric tells the full story. See the HKSE:02139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Gansu Co Ltd is a commercial bank based in China. The principal activities of the Bank and its subsidiary are the provision of corporate and retail deposits, loans and advances, payment and settlement services, as well as other banking services. The company operates through three segments: Corporate banking, Retail banking, and Financial market operations. The majority of revenue is generated from the Corporate banking segment, which represents the provision of a range of financial products and services to corporations and government agencies. These products and services include corporate loans and advances, deposit taking activities, agency services, consulting and advisory services, remittance and settlement services and guarantee services.
44GF Score
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