证券之星消息，1月27日城商行板块较上一交易日上涨0.13%，青岛银行领涨。当日上证指数报收于 4139.9，上涨0.18%。深证成指报收于14329.91，上涨0.09%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 002948 | 青岛银行 | 4.61 | 2.22% | 82.02万 | 3.76亿 | | 002142 | 宁波银行 | 30.55 | 0.86% | 50.72万 | 15.45 Z | | 600926 | 杭州银行 | 15.69 | 0.71% | 83.79万 | 13.23 乙 | | 601665 | 齐鲁银行 | 5.59 | 0.54% | 64.92万 | 3.63亿 | | 601963 | 重庆银行 | 10.36 | 0.39% | 9.12万 | 9451.94万 | | 601229 | 上海银行 | 9.27 | 0.11% | 63.50万 | 5.93亿 | | 601577 | 长沙银行 | 9.40 ...

证券之星消息，截至2026年1月22日收盘，兰州银行(001227)报收于2.32元，上涨0.43%，换手率 1.42%，成交量59.83万手，成交额1.39亿元。 1月22日的资金流向数据方面，主力资金净流入646.81万元，占总成交额4.66%，游资资金净流入489.98 万元，占总成交额3.53%，散户资金净流出1136.79万元，占总成交额8.2%。 近5日资金流向一览见下表： | 日期 | | | | | 收盘价 涨跌幅 主力净流入 主力净占比 游资净占比 散户净流入 散户净占比 | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 2026-01-22 | 2.32 0.43% | | 646.81万 | 4.66% | 489.98万 | 3.53% | -1136.79万 | -8.20% | | 2026-01-21 | 2.31 | -0.43% | · 166.17万 | 1.28% | 524.52万 | 4.05% | -690.68万 | -5.33% | | 2026-01-20 | 2.32 0.43 ...

证券日报网讯1月22日，兰州银行（001227）在互动平台回答投资者提问时表示，我行股东会已授权董 事会制定2025年中期利润分配方案，分红的相关工作正积极推进中，具体请以我行发布的公告为准。 ...

Core Viewpoint - The A-share IPO market for banks has been stagnant since January 2022, but 15 banks are currently in the IPO counseling phase, with 5 more in the "reserve" for A-share listings, indicating a potential gradual loosening of the IPO process for banks [1][9]. Group 1: Current Status of Banks in IPO Counseling - A total of 15 banks are in the IPO counseling phase, with significant variations in their counseling periods, ranging from over two years to as long as 15 years [3]. - Notable banks in the counseling phase include Beijing Rural Commercial Bank, Hankou Bank, and Urumqi Bank, among others, with Hankou Bank having started its counseling back in December 2010 [3][4]. - The challenges faced by these banks include issues related to equity irregularities, capital pressure, and unresolved legal disputes, which are common obstacles hindering their progress towards IPO [4][5]. Group 2: Challenges and Solutions - Common issues faced by banks include the need for external approvals, irregular equity structures, asset ownership verification problems, and ongoing legal disputes, which complicate their path to IPO [4][5]. - Industry experts suggest that banks should adopt a multi-faceted approach to address these challenges, including hiring professional legal and auditing firms for thorough equity checks and establishing a diversified financing system [5][6]. - It is recommended that banks form special task forces to comprehensively assess asset conditions and improve ownership documentation, while maintaining communication with regulatory bodies to ensure compliance with listing standards [5][6]. Group 3: Future Outlook - The current landscape shows a stark contrast between the 15 banks in counseling and the 5 banks in the IPO queue, with the latter group facing a lengthy and complex approval process [8]. - Despite the challenges, there is cautious optimism regarding the potential for banks to successfully navigate the IPO process, although the timeline for approvals is expected to be extended due to the rigorous requirements set by regulators [9]. - The future of A-share listings for banks will likely depend on macroeconomic policies and the effectiveness of banks' rectification efforts, with a focus on governance and risk management [9].

Core Viewpoint - Lanzhou Bank (001227) experienced a slight decline in stock price, closing at 2.31 yuan on January 21, 2026, with a trading volume of 560,000 hands and a total transaction amount of 130 million yuan [1]. Group 1: Stock Performance - On January 21, 2026, Lanzhou Bank's stock price decreased by 0.43% with a turnover rate of 1.33% [1]. - The net inflow of main funds was 1.66 million yuan, accounting for 1.28% of the total transaction amount, while retail investors saw a net outflow of 6.91 million yuan, representing 5.33% of the total [1][2]. Group 2: Recent Fund Flow Overview - The recent fund flow data shows fluctuations in net inflows and outflows over the past five days, with notable changes in retail and main fund activities [2]. - On January 20, 2026, the main funds had a net inflow of 18.07 million yuan, while retail investors experienced a net outflow of 13.94 million yuan [2]. Group 3: Company Financial Metrics - Lanzhou Bank's total market value is 13.157 billion yuan, with a net asset value of 40.817 billion yuan and a net profit of 1.504 billion yuan [3]. - The bank's price-to-earnings ratio (P/E) is 6.56, while the price-to-book ratio (P/B) stands at 0.43, indicating a relatively low valuation compared to industry averages [3]. - The bank's net profit margin is 26.05%, which is significantly lower than the industry average of 40.14% [3]. Group 4: Recent Financial Performance - For the first three quarters of 2025, Lanzhou Bank reported a main revenue of 5.923 billion yuan, a year-on-year decrease of 2.14%, while the net profit increased by 0.65% to 1.504 billion yuan [3]. - In the third quarter of 2025, the bank's single-quarter main revenue was 2.003 billion yuan, down 2.67% year-on-year, but the net profit showed a slight increase of 0.28% to 553 million yuan [3].

Market Overview - The city commercial bank sector experienced a decline of 0.55% on January 21, with Chongqing Bank leading the drop [1] - The Shanghai Composite Index closed at 4116.94, up 0.08%, while the Shenzhen Component Index closed at 14255.12, up 0.7% [1] Individual Stock Performance - Ningbo Bank closed at 28.88, with an increase of 1.16% and a trading volume of 432,300 shares, amounting to a transaction value of 1.246 billion [1] - Chongqing Bank closed at 10.25, down 1.82%, with a trading volume of 106,800 shares and a transaction value of 110 million [2] - Other notable performers include Xiamen Bank, which closed at 7.13, down 1.66%, and Chengdu Bank, which closed at 15.72, down 1.38% [2] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 508 million from institutional investors, while retail investors experienced a net outflow of 566 million [2] - The capital flow for individual stocks indicates that Hangzhou Bank had a net inflow of 158 million from institutional investors, while it faced a net outflow of 86.5 million from retail investors [3] - Shanghai Bank also saw a net inflow of 107 million from institutional investors, with a net outflow of 121 million from retail investors [3]

Core Viewpoint - Lanzhou Bank (001227) shows mixed financial performance with a slight decline in revenue but an increase in net profit for the first three quarters of 2025 [2] Group 1: Stock Performance - As of January 20, 2026, Lanzhou Bank's stock closed at 2.32 yuan, up 0.43% with a turnover rate of 1.25% and a trading volume of 529,100 shares, amounting to a transaction value of 123 million yuan [1] - On January 20, 2026, the net inflow of main funds was 18.07 million yuan, accounting for 14.74% of the total transaction value, while retail investors saw a net outflow of 13.94 million yuan, representing 11.37% of the total transaction value [1] Group 2: Financial Performance - For the first three quarters of 2025, Lanzhou Bank reported a main revenue of 5.923 billion yuan, a year-on-year decrease of 2.14%, while the net profit attributable to shareholders was 1.504 billion yuan, an increase of 0.65% [2] - In Q3 2025, the bank's single-quarter main revenue was 2.003 billion yuan, down 2.67% year-on-year, but the single-quarter net profit attributable to shareholders rose to 553 million yuan, up 0.28% [2] - The bank's non-recurring net profit for Q3 2025 was 529 million yuan, showing a significant increase of 29.71% year-on-year [2] - The bank's debt ratio stood at 92.2%, with investment income reported at 1.351 billion yuan [2] Group 3: Business Overview - Lanzhou Bank's main business includes accepting public deposits, issuing loans of various terms, handling domestic settlements, and engaging in foreign exchange and fund sales, among other financial services [2]

Core Insights - The city commercial bank sector experienced a rise of 1.35% on January 20, with Chengdu Bank leading the gains [1] - The Shanghai Composite Index closed at 4113.65, down 0.01%, while the Shenzhen Component Index closed at 14155.63, down 0.97% [1] Stock Performance - Chengdu Bank (601838) closed at 15.94, up 3.10% with a trading volume of 606,000 shares and a transaction value of 9.56 billion [1] - Chongqing Bank (601963) closed at 10.44, up 2.96% with a trading volume of 133,800 shares and a transaction value of 138 million [1] - Other notable performers include: - Changsha Bank (601577): closed at 9.36, up 2.41% [1] - Qilu Bank (601665): closed at 5.48, up 2.05% [1] - Beijing Bank (601169): closed at 5.32, up 1.92% [1] - Qingdao Bank (002948): closed at 4.30, up 1.90% [1] - Xiamen Bank (601187): closed at 7.25, up 1.54% [1] - Shanghai Bank (601229): closed at 9.79, up 1.35% [1] - Nanjing Bank (601009): closed at 10.56, up 1.34% [1] - Hangzhou Bank (600926): closed at 15.24, up 1.20% [1] Capital Flow - The city commercial bank sector saw a net inflow of 266 million from institutional investors, while retail investors experienced a net outflow of 42.84 million [1] - Detailed capital flow for selected banks includes: - Shanghai Bank (601229): net inflow of 1.051 billion from institutional investors, with net outflows from retail and speculative investors [2] - Hangzhou Bank (600926): net inflow of 90.48 million from institutional investors, with significant outflows from retail and speculative investors [2] - Nanjing Bank (601009): net inflow of 26.57 million from institutional investors, with outflows from retail investors [2] - Other banks also showed varying levels of net inflows and outflows [2]

Core Viewpoint - Lanzhou Bank (001227) reported a mixed financial performance for the first three quarters of 2025, with a slight decline in revenue but an increase in net profit, indicating resilience in profitability despite revenue challenges [2]. Financial Performance - For the first three quarters of 2025, Lanzhou Bank's main revenue was 5.923 billion yuan, a year-on-year decrease of 2.14% [2]. - The net profit attributable to shareholders was 1.504 billion yuan, reflecting a year-on-year increase of 0.65% [2]. - The net profit excluding non-recurring items was 1.425 billion yuan, up 2.39% year-on-year [2]. - In Q3 2025, the bank's single-quarter main revenue was 2.003 billion yuan, down 2.67% year-on-year [2]. - The single-quarter net profit attributable to shareholders was 553 million yuan, a slight increase of 0.28% year-on-year [2]. - The single-quarter net profit excluding non-recurring items was 529 million yuan, showing a significant increase of 29.71% year-on-year [2]. Financial Ratios and Metrics - The bank's debt ratio stood at 92.2% [2]. - Investment income for the bank was reported at 1.351 billion yuan [2]. Business Operations - Lanzhou Bank's main business activities include accepting public deposits, issuing loans, handling domestic settlements, and engaging in various financial services such as bond issuance and foreign exchange operations [2].

Core Viewpoint - The city commercial bank sector experienced a decline of 1.27% on January 16, with Jiangsu Bank leading the drop. The Shanghai Composite Index closed at 4101.91, down 0.26%, while the Shenzhen Component Index closed at 14281.08, down 0.18% [1]. Group 1: Stock Performance - Ningbo Bank closed at 29.30, up 1.70% with a trading volume of 589,500 shares and a transaction value of 1.723 billion [1]. - Xiamen Bank closed at 7.20, up 0.70% with a trading volume of 128,700 shares and a transaction value of 92.3661 million [1]. - Jiangsu Bank closed at 9.76, down 2.69% with a trading volume of 2,061,300 shares and a transaction value of 2.033 billion [2]. - Shanghai Bank closed at 9.64, down 2.43% with a trading volume of 961,200 shares and a transaction value of 933.3 million [2]. Group 2: Capital Flow - The city commercial bank sector saw a net outflow of 229 million from main funds, while speculative funds had a net inflow of 716 million, and retail investors experienced a net outflow of 487 million [2]. - Hangzhou Bank had a main fund net inflow of 153 million, while retail investors saw a net outflow of 113 million [3]. - Nanjing Bank recorded a main fund net inflow of 70.5 million and a retail net outflow of 131 million [3].