These days it’s easy to simply buy an index fund, and your returns should (roughly) match the market. A talented investor can beat the market with a diversified portfolio, but even then, some stocks will under-perform. While the Huishang Bank Corporation Limited (HKG:3698) share price is down 17% over half a decade, the total return to shareholders (which includes dividends) was -3.5%. That’s better than the market which returned -16% over the same time. The silver lining is that the stock is up 4.7% in about a week.

See our latest analysis for Huishang Bank

There is no denying that markets are sometimes efficient, but prices do not always reflect underlying business performance. By comparing earnings per share (EPS) and share price changes over time,