Luzhou Bank Co (HKSE:01983) Scaled Net Operating Assets: 0.10 (As of Dec. 2025)

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HKSE:01983 Luzhou Bank Co Ltd HKSE:01983
81 GF Score
Price HK$2.22
GF Value HK$2.58
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Luzhou Bank Co Scaled Net Operating Assets?

Luzhou Bank Co HKSE:01983 -0.67% 81 Scaled Net Operating Assets is 0.10 as of Dec. 2025. GuruFocus rates HKSE:01983 with a GF Score™ of 81/100 and a GF Value™ of HK$2.58 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Luzhou Bank Co's operating assets for the quarter that ended in Dec. 2025 was HK$208,289 Mil. Luzhou Bank Co's operating liabilities for the quarter that ended in Dec. 2025 was HK$188,170 Mil. Luzhou Bank Co's Total Assets for the quarter that ended in Jun. 2025 was HK$210,145 Mil. Therefore, Luzhou Bank Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.10.

HKSE:01983
81GF Score
Luzhou Bank Co Ltd HKSE:01983
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Luzhou Bank Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Luzhou Bank Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(208288.52-188170.28)/182571.466
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=223664.767 - 15376.247
=208288.52

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=208494.827 - 20324.547 - 0
=188170.28

Luzhou Bank Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(208288.52-188170.28)/210144.682
=0.10

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=223664.767 - 15376.247
=208288.52

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=208494.827 - 20324.547 - 0
=188170.28

* 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 Scaled Net Operating Assets of 0.10 mean?
Luzhou Bank Co (HKSE:01983) has a Scaled Net Operating Assets of 0.10 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Luzhou Bank Co and its competitors.
Is Luzhou Bank Co's Scaled Net Operating Assets too high?
Luzhou Bank Co's current Scaled Net Operating Assets is 0.10. Overall, Luzhou Bank Co has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Luzhou Bank Co's Scaled Net Operating Assets compare to competitors?
Luzhou Bank Co's Scaled Net Operating Assets of 0.10 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Luzhou Bank Co and its competitors. Luzhou Bank Co's current Scaled Net Operating Assets is 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luzhou Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Luzhou Bank Co (HKSE:01983) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$2.58, compared to a current price of HK$2.22 — trading 14.1% below its estimated fair value. The current Scaled Net Operating Assets is 0.10. Luzhou Bank Co's overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Luzhou Bank Co (HKSE:01983), the current Scaled Net Operating Assets is 0.10 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 Luzhou Bank Co (HKSE:01983) Overvalued in 2026?

Based on GuruFocus' analysis, Luzhou Bank Co stock appears to be undervalued. The current stock price of HK$2.22 is trading 14.1% below its estimated GF Value™ of HK$2.58. GuruFocus considers Luzhou Bank Co to be Modestly Undervalued.

Key valuation signals for HKSE:01983:

  • Scaled Net Operating Assets: 0.10
  • GF Value™: HK$2.58 vs. price of HK$2.22 (14.1% below fair value)
  • GF Score™: 81/100 with 2 warning signs

No single metric tells the full story. See the HKSE:01983 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Luzhou Bank Co Business Description

Address No. 248 Queen’s Road East, 40th Floor, Dah Sing Financial Centre, Wanchai, Hong Kong, HKG
Luzhou Bank Co Ltd is a commercial bank in Luzhou, providing financial services to its customers. The company's services include deposits, loans, e-banking, interbank finance, investment and financial management, deposit business, convenience finance, phone banking, personal online banking, and mobile banking. The operating business segments are Corporate Banking, Retail Banking, Financial Markets, and Others. The majority of revenue is derived from the Corporate banking segment.
81GF Score

Get the complete analysis for HKSE:01983

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$2.22
Price
HK$2.58
GF Value