Bank of Tianjin Valuation

Is B95 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of B95 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: B95 (€0.19) is trading below our estimate of fair value (€1.07)

Significantly Below Fair Value: B95 is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for B95?

Key metric: As B95 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for B95. This is calculated by dividing B95's market cap by their current earnings.
What is B95's PE Ratio?
PE Ratio2.5x
EarningsCN¥3.77b
Market CapCN¥9.38b

Price to Earnings Ratio vs Peers

How does B95's PE Ratio compare to its peers?

The above table shows the PE ratio for B95 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average9.8x
PCZ ProCredit Holding
4.4x10.7%€459.4m
GABC German American Bancorp
16.3x22.4%US$1.3b
OCFC OceanFirst Financial
12x6.1%US$1.2b
601860 Jiangsu Zijin Rural Commercial BankLtd
6.5xn/aCN¥10.5b
B95 Bank of Tianjin
2.5xn/a€10.1b

Price-To-Earnings vs Peers: B95 is good value based on its Price-To-Earnings Ratio (2.5x) compared to the peer average (9.8x).


Price to Earnings Ratio vs Industry

How does B95's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
B95 2.5xIndustry Avg. 7.3xNo. of Companies45PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: B95 is good value based on its Price-To-Earnings Ratio (2.5x) compared to the European Banks industry average (7.2x).


Price to Earnings Ratio vs Fair Ratio

What is B95's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

B95 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio2.5x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate B95's Price-To-Earnings Fair Ratio for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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