Harbin Bank CoFRA:5H6 +3.03%39 PEG Ratio is 2.27 as of Jul. 12, 2026, which is 50% above its 10-year median of 1.51. GuruFocus rates FRA:5H6 with a GF Score™ of 39/100 and a GF Value™ of €0.03 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,230 Banks companies, Harbin Bank Co ranks worse than 65.28% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Harbin Bank Co's PEG Ratio or its related term are showing as below:
FRA:5H6'
s PEG Ratio Range Over the Past 10 Years
Min: 0.12 Med: 1.51 Max: 19.74
Current: 2.32
During the past 13 years, Harbin Bank Co's highest PEG Ratio was 19.74. The lowest was 0.12. And the median was 1.51.
FRA:5H6's PEG Ratio is ranked worse than 65.28% of 1230
companies
in the Banks industry
Industry Median: 1.535
vs FRA:5H6: 2.32
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Harbin Bank Co (FRA:5H6) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Harbin Bank Co PEG Ratio Related Terms
Harbin Bank Co PEG Ratio Historical Data
* Premium members only.
The historical data trend for Harbin Bank Co's PEG 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, Harbin Bank Co's PEG Ratio, along with its competitors' market caps and PEG 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.
Harbin Bank Co PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Harbin Bank Co's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Harbin Bank Co's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Harbin Bank Co (FRA:5H6) has a PEG Ratio of 2.27 as of Jul. 12, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Harbin Bank Co and its competitors. This is 50% above median its historical median of 1.51. Over the past decade, Harbin Bank Co's PEG Ratio has ranged from 0.12 to 19.74. According to the industry distribution chart, Harbin Bank Co ranks #803 out of 1230 companies in the Banks industry, placing it in the top 65.3%.
Is Harbin Bank Co's PEG Ratio too high?
Harbin Bank Co's current PEG Ratio of 2.27 is 50% above median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 19.74. The Banks industry median PEG Ratio is 1.54. Harbin Bank Co's value of 2.27 is 47.9% above this industry median. Based on the distribution chart, Harbin Bank Co ranks #803 out of 1230 companies in the Banks industry, which is below the industry midpoint. Overall, Harbin Bank Co has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Harbin Bank Co ranks #803 out of 1230 companies for PEG Ratio. This places Harbin Bank Co in the lower half of its industry. The industry median PEG Ratio is 1.54. Harbin Bank Co's value of 2.27 is 47.9% above this benchmark. Historically, Harbin Bank Co's own PEG Ratio has ranged from 0.12 to 19.74 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 1.54, Harbin Bank Co has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbin Bank Co's current PEG Ratio of 2.27 is 47.9% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Harbin Bank Co and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbin Bank Co's current PEG Ratio is 2.27, which is 50% above median its own 10-year median of 1.51. 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?
Based on GuruFocus' analysis, Harbin Bank Co (FRA:5H6) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 13.3% above its estimated fair value. The current PEG Ratio is 2.27, which is 50% above median its 10-year median of 1.51 and 47.9% above the Banks industry median of 1.54. Harbin Bank Co's overall GF Score™ is 39/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Harbin Bank Co (FRA:5H6), the current PEG Ratio is 2.27 as of Jul. 12, 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 13.3% above its estimated GF Value™ of €0.03.
GuruFocus considers Harbin Bank Co to be Modestly Overvalued.
Key valuation signals for FRA:5H6:
PEG Ratio: 2.27 (50% above median its 10-year median of 1.51)
GF Value™: €0.03 vs. price of €0.03 (13.3% above fair value)
Industry Position: 47.9% above the Banks median (#803 of 1230)
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.
39GF Score
Get the complete analysis for FRA:5H6
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:5H6 has been successfully added to your 
