Bank of Gansu Co (HKSE:02139) ROE % Adjusted to Book Value: 11.20% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HKSE:02139 Bank of Gansu Co Ltd HKSE:02139
44 GF Score
Price HK$0.25
GF Value HK$0.32
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Bank of Gansu Co ROE % Adjusted to Book Value?

Bank of Gansu Co HKSE:02139 +2.51% 44 ROE % Adjusted to Book Value is 11.20% as of Dec. 2025. 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.

Bank of Gansu Co's ROE % for the quarter that ended in Dec. 2025 was 1.12%. Bank of Gansu Co's PB Ratio for the quarter that ended in Dec. 2025 was 0.10. Bank of Gansu Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 11.20%.


Bank of Gansu Co ROE % Adjusted to Book Value Related Terms


Bank of Gansu Co ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Bank of Gansu Co's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Bank of Gansu Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.16 4.05 12.93 17.20 17.60

Bank of Gansu Co Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.60 16.71 11.20 21.55 11.20

Bank of Gansu Co ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Bank of Gansu Co's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Gansu Co's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Bank of Gansu Co's ROE % Adjusted to Book Value falls into.


HKSE:02139
44GF Score
Bank of Gansu Co Ltd HKSE:02139
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank of Gansu Co ROE % Adjusted to Book Value Calculation

Bank of Gansu Co's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.76% / 0.10
=17.60%

Bank of Gansu Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.12% / 0.10
=11.20%

* 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.

What does a ROE % Adjusted to Book Value of 11.20% mean?
Bank of Gansu Co (HKSE:02139) has a ROE % Adjusted to Book Value of 11.20% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of Gansu Co and its competitors.
Is Bank of Gansu Co's ROE % Adjusted to Book Value too high?
Bank of Gansu Co's current ROE % Adjusted to Book Value is 11.20%. 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 ROE % Adjusted to Book Value compare to competitors?
Bank of Gansu Co's ROE % Adjusted to Book Value of 11.20% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of Gansu Co and its competitors. Bank of Gansu Co's current ROE % Adjusted to Book Value is 11.20%. 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 ROE % Adjusted to Book Value is 11.20%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bank of Gansu Co (HKSE:02139), the current ROE % Adjusted to Book Value is 11.20% 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:

  • ROE % Adjusted to Book Value: 11.20%
  • GF Value™: HK$0.32 vs. price of HK$0.25 (23.4% below fair value)
  • GF Score™: 44/100 with 4 warning signs

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 Business Description

Address No. 525-1 Donggang West Road, Bank of Gansu Tower, Chengguan District, Gansu Province, Lanzhou City, CHN, 730030
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

Get the complete analysis for HKSE:02139

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$0.25
Price
HK$0.32
GF Value