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Bank of Gansu CoHKSE:02139 +2.51%44 PB Ratio is 0.10 as of Aug. 23, 2026, which is 74% below its 10-year median of 0.39. 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 1,512 Banks companies, Bank of Gansu Co ranks better than 99.34% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-23), Bank of Gansu Co's share price is HK$0.245. Bank of Gansu Co's Book Value per Share for the quarter that ended in Dec. 2025 was HK$2.52. Hence, Bank of Gansu Co's PB Ratio of today is 0.10.
The historical rank and industry rank for Bank of Gansu Co's PB Ratio or its related term are showing as below:
HKSE:02139'
s PB Ratio Range Over the Past 10 Years
Min: 0.09 Med: 0.39 Max: 1.21
Current: 0.1
During the past 12 years, Bank of Gansu Co's highest PB Ratio was 1.21. The lowest was 0.09. And the median was 0.39.
HKSE:02139's PB Ratio is ranked better than 99.34% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs HKSE:02139: 0.10
During the past 12 months, Bank of Gansu Co's average Book Value Per Share Growth Rate was 5.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.30% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank of Gansu Co was 13.90% per year. The lowest was -4.00% per year. And the median was -0.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Bank of Gansu Co PB Ratio Related Terms
Bank of Gansu Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank of Gansu Co's PB Ratio 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, Bank of Gansu Co's PB Ratio, along with its competitors' market caps and PB 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.
Bank of Gansu Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Gansu Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank of Gansu Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bank of Gansu Co (HKSE:02139) has a PB Ratio of 0.10 as of Aug. 23, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank of Gansu Co and its competitors. This is 74% below median its historical median of 0.39. Over the past decade, Bank of Gansu Co's PB Ratio has ranged from 0.09 to 1.21. According to the industry distribution chart, Bank of Gansu Co ranks #10 out of 1512 companies in the Banks industry, placing it in the top 0.7%.
Is Bank of Gansu Co's PB Ratio too high?
Bank of Gansu Co's current PB Ratio of 0.10 is 74% below median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 1.21. The Banks industry median PB Ratio is 1.12. Bank of Gansu Co's value of 0.10 is 91.1% below this industry median. Based on the distribution chart, Bank of Gansu Co ranks #10 out of 1512 companies in the Banks industry, which is in the top quartile — a strong position 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bank of Gansu Co ranks #10 out of 1512 companies for PB Ratio. This places Bank of Gansu Co in the top 1% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. Bank of Gansu Co's value of 0.10 is 91.1% below this benchmark. Historically, Bank of Gansu Co's own PB Ratio has ranged from 0.09 to 1.21 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,512 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Gansu Co's current PB Ratio of 0.10 is 91.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank of Gansu Co and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Gansu Co's current PB Ratio is 0.10, which is 74% below median its own 10-year median of 0.39. 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 PB Ratio is 0.10, which is 74% below median its 10-year median of 0.39 and 91.1% below the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bank of Gansu Co (HKSE:02139), the current PB Ratio is 0.10 as of Aug. 23, 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 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:
PB Ratio: 0.10 (74% below median its 10-year median of 0.39)
GF Value™: HK$0.32 vs. price of HK$0.25 (23.4% below fair value)
Industry Position: 91.1% below the Banks median (#10 of 1512)
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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