Zhongyuan Bank Co., Ltd. Class H (HK:1216)
:1216
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Zhongyuan Bank Co., Ltd. Class H
(1216)
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Rating:57Neutral
Price Target:
HK$0.32
â–²(3.55% Upside)
Action:DowngradedDate:12/30/25
The score is primarily held back by financial risks, led by the sharp deterioration in 2024 operating/free cash flow and only modest returns on equity. Technicals also lean bearish with price below key moving averages and a negative MACD. These are partially offset by attractive valuation metrics (low P/E and solid dividend yield).
Positive Factors
Strategic Acquisitions
The acquisition of Jiaxian Guangtian County Bank and Xiangcheng Zhongyuan Rural Bank will consolidate Zhongyuan Bank's regional footprint, potentially enhancing its market position and operational scale in Henan's county-level banking market.
Negative Factors
Cash Flow Volatility
The negative cash flow in 2024 raises concerns about Zhongyuan Bank's ability to generate consistent cash, potentially impacting its liquidity and operational funding in the near term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strategic Acquisitions
The acquisition of Jiaxian Guangtian County Bank and Xiangcheng Zhongyuan Rural Bank will consolidate Zhongyuan Bank's regional footprint, potentially enhancing its market position and operational scale in Henan's county-level banking market.
Read all positive factors
Zhongyuan Bank Co., Ltd. Class H (1216) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$12.24B
Dividend Yield4.24%
Average Volume (3M)2.23M
Price to Earnings (P/E)1.7
Beta (1Y)1.10
Revenue Growth-7.58%
EPS Growth12.65%
CountryHK
Employees18,296
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.03
Shares Outstanding6,945,000,000
10 Day Avg. Volume1,840,900
30 Day Avg. Volume2,227,466
Financial Highlights & Ratios
PEG Ratio-0.53
Price to Book (P/B)0.17
Price to Sales (P/S)0.86
P/FCF Ratio-0.20
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Zhongyuan Bank Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Zhongyuan Bank Co., Ltd. provides corporate and personal deposits, loans and advances, settlement, financial market and leasing, and other financial services in the Asia Pacific, North America, and internationally. It operates through Corporate Ba...
How the Company Makes Money
Zhongyuan Bank Co., Ltd. generates revenue primarily through interest income from its lending activities, which include personal and commercial loans to individuals, SMEs, and large corporations. The bank also earns money through non-interest inco...
Zhongyuan Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.08B | 18.75B | 13.62B | 14.42B | 11.64B | 11.58B |
| Gross Profit | 9.08B | 18.75B | 13.62B | 14.42B | 11.64B | 11.58B |
| EBITDA | 0.00 | 4.27B | 0.00 | 5.74B | 5.58B | 0.00 |
| Net Income | 2.73B | 3.45B | 3.22B | 2.84B | 3.57B | 3.30B |
Balance Sheet | ||||||
| Total Assets | 1.41T | 1.37T | 1.35T | 1.33T | 768.23B | 757.48B |
| Cash, Cash Equivalents and Short-Term Investments | 153.42B | 39.84B | 44.92B | 129.51B | 108.68B | 104.09B |
| Total Debt | 152.70B | 13.42B | 132.72B | 146.11B | 97.57B | 10.48B |
| Total Liabilities | 1.31T | 1.26T | 1.25T | 1.23T | 705.85B | 698.13B |
| Stockholders Equity | 96.88B | 96.56B | 92.50B | 89.23B | 61.21B | 58.26B |
Cash Flow | ||||||
| Free Cash Flow | -86.86B | -82.96B | 7.40B | 54.17B | -37.33B | -4.57B |
| Operating Cash Flow | -84.86B | -81.38B | 8.25B | 55.14B | -36.71B | -3.72B |
| Investing Cash Flow | -47.44B | -32.89B | -15.06B | -24.51B | 19.20B | 9.06B |
| Financing Cash Flow | 107.60B | 76.65B | -18.11B | 22.18B | 17.43B | -7.99B |
Zhongyuan Bank Co., Ltd. Class H Technical Analysis
Positive
0.31
Price Trends
0.33
Positive
0.33
Positive
0.34
Positive
Market Momentum
>-0.01
Negative
55.13
Neutral
58.89
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1216, the sentiment is Positive. The current price of 0.31 is below the 20-day moving average (MA) of 0.33, below the 50-day MA of 0.33, and below the 200-day MA of 0.34, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 55.13 is Neutral, neither overbought nor oversold. The STOCH value of 58.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1216.
Zhongyuan Bank Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | HK$15.96B | 4.21 | 3.63% | 1.89% | -5.02% | -3.28% | |
60 Neutral | HK$14.39B | 1.90 | 4.62% | 6.13% | -3.34% | -22.01% | |
59 Neutral | HK$14.59B | 3.84 | 7.19% | 5.32% | -1.24% | 4.34% | |
57 Neutral | HK$12.24B | 1.68 | 3.11% | 4.24% | -7.58% | 12.65% | |
57 Neutral | HK$14.56B | 2.83 | 4.11% | ― | -5.76% | 18.15% | |
50 Neutral | HK$6.32B | -3.44 | 0.50% | 3.72% | -8.91% | ― |
* Financial Sector Average
HK:1216
Zhongyuan Bank Co., Ltd. Class H
0.34
0.05
15.92%
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Bank of Jiujiang Co., Ltd. Class H
2.22
-2.40
-51.98%
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
1.02
0.19
22.30%
HK:9668
China Bohai Bank Co., Ltd. Class H
0.82
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-5.75%
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Bank of Tianjin Co., Ltd. Class H
2.37
0.77
47.76%
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Bank of Guizhou Co. Ltd. Class H
1.00
-0.01
-0.99%
Zhongyuan Bank Co., Ltd. Class H Corporate Events
Zhongyuan Bank Reshapes Governance as Henan Regulator Approves New Articles
Jan 8, 2026
Zhongyuan Bank Co., Ltd. has secured regulatory approval from the Henan Office of the National Financial Regulatory Administration for amendments to its Articles of Association, which took effect on 5 January 2026. As a result of these changes, th...
Zhongyuan Bank Tightens Audit Committee Rules to Bolster Governance and Oversight
Jan 8, 2026
Zhongyuan Bank Co., Ltd. has formalised detailed Rules of Procedure for its Board Audit Committee to strengthen internal control, accounting oversight and corporate governance. The document sets out the Audit Committee’s role as a specialise...
Zhongyuan Bank Tightens Board Oversight With New Nomination and Remuneration Committee Rules
Jan 8, 2026
Zhongyuan Bank Co., Ltd. has formally established and codified the rules of procedure for its Board Nomination and Remuneration Committee, a specialized body responsible for advising the board on the selection, assessment and remuneration of direc...
Zhongyuan Bank Sets Formal Rules for Nomination and Remuneration Committee to Bolster Governance
Jan 8, 2026
Zhongyuan Bank Co., Ltd. has formalised detailed rules of procedure for its Nomination and Remuneration Committee under the board of directors to strengthen its corporate governance structure and oversight of director and senior management appoint...
Zhongyuan Bank Secures Regulatory Approval for Zhou Feng as Director and Vice Chairman
Jan 7, 2026
Zhongyuan Bank Co., Ltd. announced that the Henan Office of the National Financial Regulatory Administration has approved the qualification of Mr. Zhou Feng to serve as an executive director and vice chairman of the bank’s third session of t...
Zhongyuan Bank Sets Out Board Composition and Committee Roles
Jan 7, 2026
Zhongyuan Bank Co., Ltd. has announced the current composition of its board of directors, comprising executive, non-executive and independent non-executive directors led by Chairman Guo Hao and Vice Chairman and President Zhou Feng. The Board has ...
Zhongyuan Bank Wins Regulatory Approval for Zhou Feng as President
Jan 5, 2026
Zhongyuan Bank has received regulatory approval from the Henan Office of the National Financial Regulatory Administration confirming the qualification of Zhou Feng as president of the bank, with his term commencing on 31 December 2025 and lasting ...
Zhongyuan Bank Shareholders Approve Acquisitions of Two Rural Banks at Extraordinary Meeting
Dec 24, 2025
Zhongyuan Bank Co., Ltd. reported that its 2025 third extraordinary general meeting was duly convened in Zhengzhou on 24 December 2025, with directors in attendance and the meeting held in compliance with PRC laws, regulations and the bank’s...
Zhongyuan Bank Updates Director Biography as Li Wenqiang Takes Additional Board Role
Dec 18, 2025
Zhongyuan Bank has provided a supplementary update on the biography of its non-executive director, Mr. Li Wenqiang, whose appointment to the bank’s third-session board has already been approved by shareholders and the Henan Office of the Nat...
Zhongyuan Bank Welcomes New Non-Executive Director
Dec 12, 2025
Zhongyuan Bank Co., Ltd. announced the approval of Mr. LI Wenqiang’s qualification as a non-executive Director by the Henan Office of the National Financial Regulatory Administration. This approval allows Mr. LI to commence his term immediat...
Zhongyuan Bank Announces Board Composition and Committee Roles
Dec 12, 2025
Zhongyuan Bank Co., Ltd. announced the composition of its board of directors and their roles within the company. The board comprises executive, non-executive, and independent non-executive directors, with Mr. Guo Hao serving as the Chairman. The b...
Zhongyuan Bank Plans Strategic Acquisitions and Expansion
Dec 4, 2025
Zhongyuan Bank Co., Ltd. has announced its 2025 third extraordinary general meeting to discuss and approve the acquisition of Jiaxian Guangtian County Bank and Xiangcheng Zhongyuan Rural Bank, along with the establishment of new branches. This str...
Zhongyuan Bank Announces Key Resolutions at 2025 EGM
Nov 10, 2025
Zhongyuan Bank Co., Ltd. held its 2025 Second Extraordinary General Meeting (EGM) on November 10, 2025, where several significant resolutions were passed. These included amendments to the bank’s Articles of Association, the appointment of an...
Zhongyuan Bank Announces 2025 Extraordinary General Meeting with Key Resolutions
Oct 20, 2025
Zhongyuan Bank Co., Ltd. has announced its 2025 second extraordinary general meeting to discuss significant resolutions, including amendments to its Articles of Association and the acquisition of three county banks with plans to establish branches...
Zhongyuan Bank Announces Leadership Change with New President Appointment
Oct 17, 2025
Zhongyuan Bank Co., Ltd. announced a change in its executive leadership with the resignation of Mr. Liu Kai as President due to a job reassignment, effective October 17, 2025. Mr. Zhou Feng is set to succeed him as President and is also proposed t...
Glossary
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Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.