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.
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.
Yibin City Commercial Bank CoFRA:QG1 +0.76%9 WACC % is 20.55% as of Aug. 12, 2026, which is 48% below its 10-year median of 39.69. GuruFocus rates FRA:QG1 with a GF Score™ of 9/100. The stock has 1 warning sign investors should review. Among 1,541 Banks companies, Yibin City Commercial Bank Co ranks worse than 80.92% on this metric.
As of today (2026-08-12), Yibin City Commercial Bank Co's weighted average cost of capital is 20.55%%. Yibin City Commercial Bank Co's ROIC % is 0.00% (calculated using TTM income statement data).
Yibin City Commercial Bank Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.
*Note: The beta of this company cannot be obtained because it has a price history shorter than 3 years. It will thus be set to 1 as default to calculate WACC.
For a comprehensive WACC calculation, please access the WACC Calculator.
Yibin City Commercial Bank Co (FRA:QG1) WACC % Explanation
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Yibin City Commercial Bank Co's weighted average cost of capital is 20.55%%. Yibin City Commercial Bank Co's ROIC % is 0.00% (calculated using TTM income statement data).
Yibin City Commercial Bank Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.
*Note: The beta of this company cannot be obtained because it has a price history shorter than 3 years. It will thus be set to 1 as default to calculate WACC.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year semi-annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest TTM Interest Expense divided by the latest one-year semi-annual average debt to get the simplified cost of debt.
Related Terms
Yibin City Commercial Bank Co WACC % Historical 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.
Yibin City Commercial Bank Co WACC % Competitor Comparison
For the Banks - Regional subindustry, Yibin City Commercial Bank Co's WACC %, along with its competitors' market caps and WACC % 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.
Yibin City Commercial Bank Co WACC % vs Banks Industry
For the Banks industry and Financial Services sector, Yibin City Commercial Bank Co's WACC % distribution charts can be found below:
* The bar in red indicates where Yibin City Commercial Bank Co's WACC % falls into.
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, Yibin City Commercial Bank Co's market capitalization (E) is €1342.317 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year semi-annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Dec. 2025, Yibin City Commercial Bank Co's latest one-year semi-annual average Book Value of Debt (D) is €405.3057 Mil.
a) weight of equity = E / (E + D) = 1342.317 / (1342.317 + 405.3057) = 0.7681
b) weight of debt = D / (E + D) = 405.3057 / (1342.317 + 405.3057) = 0.2319
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 4.688%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. Yibin City Commercial Bank Co's beta cannot be obtained because it has a price history shorter than 3 years. It will thus be set to 1 as default to calculate WACC.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 4.688% + 1 * 6% = 10.688%
3. Cost of Debt:
GuruFocus uses latest TTM Interest Expense divided by the latest one-year semi-annual average debt to get the simplified cost of debt.
As of Dec. 2025, Yibin City Commercial Bank Co's interest expense (positive number) was €251.711 Mil. Its total Book Value of Debt (D) is €405.3057 Mil.
Cost of Debt = 251.711 / 405.3057 = 62.104%.
4. Multiply by one minus TTM Tax Rate:
GuruFocus uses the most recent TTM Tax Expense divided by the most recent TTM Pre-Tax Income to calculate the tax rate. The calculated TTM tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated TTM Tax Rate = 11.329 / 79.028 = 14.34%.
* 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.
Yibin City Commercial Bank Co (FRA:QG1) has a WACC % of 20.55% as of Aug. 12, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Yibin City Commercial Bank Co and its competitors. This is 48% below median its historical median of 39.69. Over the past decade, Yibin City Commercial Bank Co's WACC % has ranged from 20.36 to 90.37. According to the industry distribution chart, Yibin City Commercial Bank Co ranks #1247 out of 1541 companies in the Banks industry, placing it in the top 80.9%.
Is Yibin City Commercial Bank Co's WACC % too high?
Yibin City Commercial Bank Co's current WACC % of 20.55% is 48% below median its 10-year median of 39.69. Over the past 10 years, this metric has ranged from a low of 20.36 to a high of 90.37. The Banks industry median WACC % is 12.97. Yibin City Commercial Bank Co's value of 20.55% is 58.4% above this industry median. Based on the distribution chart, Yibin City Commercial Bank Co ranks #1247 out of 1541 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Yibin City Commercial Bank Co has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Yibin City Commercial Bank Co's WACC % compare to competitors?
According to the Banks industry distribution chart, Yibin City Commercial Bank Co ranks #1247 out of 1541 companies for WACC %. This places Yibin City Commercial Bank Co in the lower half of its industry. The industry median WACC % is 12.97. Yibin City Commercial Bank Co's value of 20.55% is 58.4% above this benchmark. Historically, Yibin City Commercial Bank Co's own WACC % has ranged from 20.36 to 90.37 over the past decade. While the company's 10-year median is 39.69 vs. the industry median of 12.97, Yibin City Commercial 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 WACC % for a Banks company?
The median WACC % among Banks companies is 12.97, based on 1,541 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Yibin City Commercial Bank Co's current WACC % of 20.55% is 58.4% 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 WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Yibin City Commercial Bank Co and its competitors. For the Banks industry, the median WACC % is 12.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yibin City Commercial Bank Co's current WACC % is 20.55%, which is 48% below median its own 10-year median of 39.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yibin City Commercial Bank Co stock overvalued right now?
Yibin City Commercial Bank Co (FRA:QG1) has a current WACC % of 20.55%. The current WACC % is 20.55%, which is 48% below median its 10-year median of 39.69 and 58.4% above the Banks industry median of 12.97. Yibin City Commercial Bank Co's overall GF Score™ is 9/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is WACC % calculated?
WACC % is calculated from a company's financial statements. For Yibin City Commercial Bank Co (FRA:QG1), the current WACC % is 20.55% as of Aug. 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.
Yibin City Commercial Bank Co Ltd is a city commercial bank in Yibin, Sichuan Province of China. It services include Personal deposits, Personal Loans, Intermediary business, Deposit business, etc. It operating segments includes: Corporate Banking, Retail banking, Financial market business, and Others. The majority of revenue is from Corporate Banking.
9GF Score
Get the complete analysis for FRA:QG1
WACC % 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:QG1 has been successfully added to your 
