Xiamen Bank Co Ltd (601187) fair value: what the stock is really worth
We calculate from audited financials what Xiamen Bank Co Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
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Below-average quality, trading 48% below our fair value of ¥14.30.
As of Aug 28, 2026, the fair value of Xiamen Bank Co Ltd is ¥14.30 per share against a price of ¥7.40, so the fair value sits 93% above the price. A model estimate from reported figures, not an analyst target.
!Expensive Growth (revenue 5y +6.0 %/yr)
✓Highly profitable · 46.4% net margin
!negative free cash flow
✓Ranks above peers (7/11)
✓Wide moat 65/100
!Evidence only medium, so the estimate is less certain
!Weak on future: 19 out of 100
Evidence: MediumRange ¥10.73 to ¥17.88
Fair value as of: Aug 28, 2026
From 4 valuation models · updated 14 days ago
Fair value updated Aug 28, 2026, revised from ¥14.68 to ¥14.30 (−2.6%) since Aug 13, 2026. Share price +0.3% over the past month.
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69 individual criteria per stock, every one traceable See the method →
What matters now
The price is below even our cautious bear case (¥10.73). The market is more pessimistic than our downside scenario.
Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality.
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.
How to read this chart
60‑month range ¥4.12 – ¥7.93 · fair‑value band ¥10.73 – ¥17.88 · the ¥7.40 price screens below the ¥14.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 28, 2026.
Xiamen Bank Co Ltd (601187) currently trades at ¥7.40, while our model-based Fair Value estimate is ¥14.30, implying the stock looks roughly 48.3% undervalued today. The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of ¥12.97 per share, and 4 of the 4 models we run sit above the ¥7.40 price. Bear case: the Asset-Based group reads lowest at ¥8.49, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Xiamen Bank Co Ltd generated revenue of 2.9B CNY at a net margin of 46.4%. Revenue grew 3.8% year over year. It earns a return on equity of 11.8%. Net debt stands at 67.8B CNY. Fundamentals as of Aug 28, 2026
Scenario range: ¥10.73 (bear) to ¥17.88 (bull), the price of ¥7.40 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 10% below its 52-week high and 21% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 93%, 601187 screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (¥0.6402 per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence
Highest evidence
Residual Income best evidence¥10.52¥11.26¥12.6276
P/E Multiple¥9.73¥12.97¥16.2263
P/B Multiple¥12.73¥16.97¥21.2155
All 4 models by family
Multiples
P/E Multiple¥9.73¥12.97¥16.2263
P/B Multiple¥12.73¥16.97¥21.2155
Asset-Based
NCAV (Graham)¥6.34¥8.49¥12.6851
Economic Profit
Residual Income best evidence¥10.52¥11.26¥12.6276
Widest divergence: Multiples (¥12.97) versus Asset-Based (¥8.49). Highest evidence: Residual Income (76).
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Key figures & financial health
P/E ratio8.0
P/S ratio7.65P/E × margin
EPS (TTM)¥0.9200price ÷ EPS = P/E 8.0
Net margin95.2%FY2025
Return on equity11.8%TTM
Return on assets (EBIT)0.7%avg 5y
More key figures
Profitability
Operating margin62.7%TTM
Growth
Revenue (TTM)2.9B CNYTTM
Revenue growth (YoY)+3.8%3y avg −40.9%
EPS growth (YoY)−2.7%
Balance sheet & cash flow
Free cash flow−1.5B CNYFY2025
Net debt67.8B CNYFY2025
Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality45/100
Of which business quality 41
· Market factors (momentum, volatility) 59
Profitability32
Margins and returns on capital today
Quality Growth57
Are margins and returns improving?
Cashflow0
Earnings quality: real cash, not paper profit
Fin. Strength40
Balance sheet, leverage, solvency risk
Investment50
Disciplined investing over empire-building
Low Volatility82
Calm price path (market factor)
Momentum45
Price trend over the last 3–12 months (market factor)
52W Momentum58
Distance to the 52-week high (market factor)
Net Issuance92
Buybacks instead of dilution
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Xiamen Bank Co., Ltd. provides various banking products and services to individuals, corporate customers, and small and micro finance businesses in China and internationally.
Full company description
Xiamen Bank Co., Ltd. provides various banking products and services to individuals, corporate customers, and small and micro finance businesses in China and internationally. It offers personal savings products, personal loans, investment and financial management products, bank cards, and convenience finance services; cash management, international business, investment banking, intermediate business, and investment banking services, as well as corporate deposits and loans; and financing solutions for emerging and small businesses. The company also provides financial market services, including precious metal, bond, foreign exchange and derivative, bill collection, inter-bank, and franchise business services; and online and mobile banking services. It has branches in Chongqing and Fujian Province. The company was founded in 1996 and is based in Xiamen, China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Xiamen Bank Co Ltd reported revenue of 2.8B CNY in FY2025 versus 12.3B CNY in FY2021, a compound −31.1%/yr. Reported net income was 2.6B CNY in FY2025, compounding +5.0%/yr from FY2021.
Growth Quality 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
2.8B CNY
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+4.8%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.0%
Avg. revenue growth/yr (19Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+21.4%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+5.8%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+5.8%
Dividend yield0.0%
Trend ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y 5.8% vs 10Y 7.2%, steady
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15.7% (2020) → 100.0% (2025) · rising
Worst earnings drop71% (2009) · in CNY
Revenue−31.1%/yr
FY2112.3B CNY
FY2213.4B CNY
FY2313.8B CNY
FY2414.1B CNY
FY252.8B CNY
Net income+5.0%/yr
FY212.2B CNY
FY222.5B CNY
FY232.7B CNY
FY242.6B CNY
FY252.6B CNY
Character of growth · EPS growth decomposed (2014-2025)+7.4 % p.a.
Revenue per share−1.6 %
of which total revenue +3.4 % · buybacks/dilution −4.9 %
EBIT margin+5.9 %
Tax rate+3.4 %
Residual (interest, one-offs)−0.3 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE100· sector 33
FUTURE19· sector 44
PAST47· sector 41
HEALTH0· sector 85
DIVIDEND0· sector 51
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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Is Xiamen Bank Co Ltd (601187) overvalued or undervalued?
As of Aug 28, 2026, our model estimates a fair value of ¥14.30 versus a price of ¥7.40, about +93% upside (undervalued).
What is the fair value of 601187?
Our model-based fair value for Xiamen Bank Co Ltd is ¥14.30 (as of Aug 28, 2026), built from audited fundamentals. The current price: ¥7.40.
What is the quality score of 601187?
Xiamen Bank Co Ltd has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Xiamen Bank Co Ltd (601187)?
Our model-based price target is the fair value of ¥14.30 (as of Aug 28, 2026) from 4 valuation models. Cautious scenario ¥10.73, optimistic scenario ¥17.88. It is a calculation from audited fundamentals, not an analyst target.
What is the Xiamen Bank Co Ltd stock forecast for 2026?
Our models put fair value at ¥14.30, about +93% upside versus a price of ¥7.40 (undervalued). Cautious scenario ¥10.73, optimistic scenario ¥17.88. The calculation is refreshed regularly with new filings.
What is the revenue of Xiamen Bank Co Ltd (601187)?
Xiamen Bank Co Ltd reported trailing-twelve-month revenue of about 2.9B CNY (latest available figure, as of Aug 28, 2026).
What is the net profit margin of 601187?
The net profit margin of Xiamen Bank Co Ltd is about 46.4%, meaning it keeps roughly 46.4% of revenue as net income. Based on the latest reported figures.
What is the intrinsic value of Xiamen Bank Co Ltd (601187)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Xiamen Bank Co Ltd it is ¥14.30 per share (as of Aug 28, 2026), against a price of ¥7.40. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Xiamen Bank Co Ltd stock overvalued or undervalued in 2026?
As of Aug 28, 2026, 601187 trades below its calculated fair value: price ¥7.40, fair value ¥14.30, a gap of about +93% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 601187?
No. The price is what the market pays today (¥7.40); the fair value is what the company's own numbers justify (¥14.30). For Xiamen Bank Co Ltd the two are ¥6.90 per share apart. That gap is exactly why we show both numbers side by side.
How much is Xiamen Bank Co Ltd worth?
The market values Xiamen Bank Co Ltd at about 19.5B CNY (market capitalisation, as of Aug 28, 2026). Per share that is ¥7.40; our models calculate a fair value of ¥14.30 per share.
What do the bullish and bearish scenarios say about 601187?
Our models span a range for Xiamen Bank Co Ltd: cautious scenario ¥10.73, base ¥14.30, optimistic ¥17.88 per share (as of Aug 28, 2026, price ¥7.40). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 601187?
Xiamen Bank Co Ltd trades at a price-to-earnings ratio of 8.0 (as of Aug 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥14.30 is built from several models across several years. Other multiples: P/B 0.1, P/S 1.0.
How solid is the balance sheet of Xiamen Bank Co Ltd (601187)?
Balance-sheet figures for Xiamen Bank Co Ltd (as of Aug 28, 2026): return on equity 11.8%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 601187 from its 52-week high?
Xiamen Bank Co Ltd trades at ¥7.40, about 10% below its 52-week high of ¥8.25 and 21% above the low of ¥6.10 (as of Aug 28, 2026). Distance from the high says nothing about value: that is what the fair value of ¥14.30 is for.
Which stocks are comparable to Xiamen Bank Co Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Xiamen Bank Co Ltd stock attractive at the current price?
The data as of Aug 28, 2026: price ¥7.40, calculated fair value ¥14.30 (+93%), Quality Score 45/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 601187 calculated?
We run Xiamen Bank Co Ltd through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ¥14.30, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 32.6 % above its aggregate fair value. Xiamen Bank Co Ltd currently trades 93 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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