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Bank of Gansu CoHKSE:02139 +2.51%44 ROA % is 0.09% as of Dec. 2025, which is 47% below its 10-year median of 0.17. 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 92.53% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bank of Gansu Co's annualizedNet Income for the quarter that ended in Dec. 2025 was HK$420 Mil.
Bank of Gansu Co's average Total Assets over the quarter that ended in Dec. 2025 was HK$474,404 Mil. Therefore, Bank of Gansu Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.09%.
The historical rank and industry rank for Bank of Gansu Co's ROA % or its related term are showing as below:
HKSE:02139'
s ROA % Range Over the Past 10 Years
Min: 0.14 Med: 0.17 Max: 1.34
Current: 0.14
During the past 12 years, Bank of Gansu Co's highest ROA % was 1.34%. The lowest was 0.14%. And the median was 0.17%.
HKSE:02139's ROA % is ranked worse than 92.53% of 1526
companies
in the Banks industry
Industry Median: 1.015
vs HKSE:02139: 0.14
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Bank of Gansu Co ROA % Related Terms
Bank of Gansu Co ROA % Historical Data
* Premium members only.
The historical data trend for Bank of Gansu Co's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Gansu Co's ROA % distribution charts can be found below:
* The bar in red indicates where Bank of Gansu Co's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Bank of Gansu Co (HKSE:02139) has a ROA % of 0.09% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bank of Gansu Co and its competitors. This is 47% below median its historical median of 0.17. Over the past decade, Bank of Gansu Co's ROA % has ranged from 0.14 to 1.34. According to the industry distribution chart, Bank of Gansu Co ranks #1412 out of 1526 companies in the Banks industry, placing it in the top 92.5%.
Is Bank of Gansu Co's ROA % too high?
Bank of Gansu Co's current ROA % of 0.09% is 47% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 1.34. The Banks industry median ROA % is 1.02. Bank of Gansu Co's value of 0.09% is 91.1% below this industry median. Based on the distribution chart, Bank of Gansu Co ranks #1412 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Bank of Gansu Co ranks #1412 out of 1526 companies for ROA %. This places Bank of Gansu Co in the lower half of its industry. The industry median ROA % is 1.02. Bank of Gansu Co's value of 0.09% is 91.1% below this benchmark. Historically, Bank of Gansu Co's own ROA % has ranged from 0.14 to 1.34 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 1.02, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.02, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Gansu Co's current ROA % of 0.09% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bank of Gansu Co and its competitors. For the Banks industry, the median ROA % is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Gansu Co's current ROA % is 0.09%, which is 47% below median its own 10-year median of 0.17. 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 ROA % is 0.09%, which is 47% below median its 10-year median of 0.17 and 91.1% below the Banks industry median of 1.02. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Bank of Gansu Co (HKSE:02139), the current ROA % is 0.09% 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:
ROA %: 0.09% (47% below median its 10-year median of 0.17)
GF Value™: HK$0.32 vs. price of HK$0.25 (23.4% below fair value)
Industry Position: 91.1% below the Banks median (#1412 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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