Bank of Lanzhou Co., Ltd. Class A

Bank of Lanzhou Co., Ltd. Class A

SSZSE:001227
2.07
CNY
0.00
(0.00%)
0.29EPS
7.03P/E
11.39BMarket Cap
Oct 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.21
1.19
1.33
1.17
1.28
1.33
1.52
1.26
1.3
1.14
1.23
1.21
1.19
1.39
Basic EPS, GAAP
0.41
0.37
0.43
0.41
0.46
0.44
0.29
0.29
0.26
0.26
0.29
0.29
0.29
0.28
Free Cash Flow per Basic Share
1.79
1.55
6.66
5.29
-1.98
2.61
-0.77
-0.93
2.05
1.4
0.66
2.25
4.07
5.52
Dividend per Share
0.16
0.19
0.08
0.04
0.04
0.04
0.06
0.16
0.12
0.14
0.14
0.12
0.14
0.15
Book Value per Share
1.6
1.84
2.78
3.17
3.63
3.9
4.19
5.3
5.6
5.55
5.79
6.24
6.22
6.33
Tangible Book Value per Share
1.58
1.81
2.75
3.13
3.6
3.86
4.16
5.27
5.58
5.53
5.76
6.22
6.14
6.25
Basic Weighted Avg Shares
2,725
4,023
4,067
5,182
5,132
5,108
5,049
5,148
6,054
6,557
6,537
6,525
6,536
5,695
Sales/Revenue/Turnover
3,290
4,795
5,404
6,052
6,563
6,789
7,663
6,481
7,852
7,465
8,066
7,876
7,767
7,916
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
115
182
244
321
371
342
321
281
214
329
318
316
332
- -
Net Income, GAAP
1,117
1,489
1,749
2,125
2,361
2,248
1,464
1,493
1,566
1,733
1,864
1,888
1,865
1,620
Effective Tax Rate (%)
24.77
23.88
21.38
22.29
24.85
22.98
11.5
1.91
- -
- -
- -
- -
- -
- -
Profit Margin (%)
33.95
31.04
32.36
35.11
35.97
33.1
19.11
23.03
19.94
23.21
23.11
23.97
24.01
20.46
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
5,984
6,182
4,194
4,511
4,310
7,592
15,547
11,254
20,724
21,553
18,450
25,876
46,209
40,953
Total Equity
8,193
9,418
14,258
16,453
18,834
20,201
21,719
27,432
29,008
31,914
33,282
35,889
35,798
36,458
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.88
10
10.27
10.78
10.63
8.75
4.41
3.83
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
17.68
16.9
14.77
13.93
13.54
11.65
7.07
6.14
5.61
5.75
5.77
5.51
5.26
4.56

Capital Structure

CNY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5,696
5,696
5,696
Market Capitalization
13,214
12,929
11,391

Working Capital

CNY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
74,531
73,611
72,896
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CNY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.86%
5.53%
-0.26%
Free Cash Flow
-58.95%
-23.23%
81.07%
Net Income, GAAP
1.81%
4.64%
-1.22%
Sales/Revenue/Turnover
4.19%
4.11%
-1.39%
Total Cash Common Dividend
20.96%
3.12%
18.18%

Quarterly Revenue

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,964
2,040
2,065
1,806
7,876
2025
2,044
1,872
- -
1,862
7,767
2026
2,020
2,162
- -
- -
- -

Quarterly Earnings Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.09
0.07
0.1
0.07
0.29
2025
0.09
0.07
- -
0.06
0.29
2026
0.09
0.06
- -
- -
- -

Quarterly Dividends Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.09
0.04
0.12
2025
0.05
0.01
- -
0.04
0.14
2026
0.05
0.04
- -
- -
- -

Company Description

CEO
Min Liu
Full Time Employees
4,431
Sector
Finance
Industry
Regional banks
Address
Lanzhou China
IPO Date
Jan 17, 2022
Website
lzbank.com
Business
Bank of Lanzhou Co., Ltd. is a China-based commercial banking institution primarily engaged in the provision of corporate banking, retail banking, and treasury financial services to individual, institutional, and business clients. Founded in 1997 and headquartered in Lanzhou, Gansu Province, the company operates across three core business segments: Corporate Banking, Retail Banking, and Treasury Operations. Its Corporate Banking division provides corporate demand and term deposits; working capital and fixed asset loans; trade finance and international settlement services; supply chain financing; bill discounting and acceptance; syndicated loans; institutional banking; and cash management solutions. Its Retail Banking division offers personal savings accounts; residential mortgage loans; personal consumption and micro-business credit; debit and credit card issuance; wealth management, mutual fund, and insurance distribution; private banking; and payroll agency services. Its Treasury Operations division engages in interbank lending and borrowing; bond investment, underwriting, and trading; repurchase agreements; foreign exchange transactions; liquidity management; and derivative financial products. Geographically, the bank operates an extensive distribution network across Gansu Province with strategic business reach throughout Northwest China. In recent developments, Bank of Lanzhou Co., Ltd. has accelerated comprehensive digital transformation initiatives, deploying upgraded mobile banking platforms, cloud-based data architecture, and artificial intelligence-driven automated credit scoring and risk control systems. The bank has expanded its green credit and environmental financing programs to support sustainable industrial upgrades and regional ecological development projects, while increasing inclusive micro-lending programs tailored for specialized and innovative small-to-medium enterprises. Furthermore, the company has entered into strategic collaboration agreements with regional state-owned enterprises, government entities, and financial technology platforms to enhance rural financial accessibility and supply chain integration, alongside optimizing its capital adequacy through regulatory capital bond issuances and proactive non-performing asset resolution.