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Zhongyuan Bank Co., Ltd. Class H
(1216)
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Rating:58Neutral
Price Target:
HK$0.29
▼(-7.74% Downside)
Action:Reiterated
Date:04/09/26
The score is anchored by mixed financial quality—stable earnings and a 2025 revenue rebound are offset by volatile leverage indicators and highly inconsistent cash generation. Valuation is a major positive (very low P/E and solid dividend yield), while technicals are broadly neutral with mild positive momentum.
Positive Factors
Revenue rebound and earnings resilience
A material revenue rebound in 2025, coupled with relatively stable net income over 2020–2025, indicates the bank can restore top-line growth and preserve profitability through business cycles. That durability supports lending capacity, fee generation and medium-term capital planning.
Negative Factors
Volatile leverage trajectory
Large swings in reported leverage create uncertainty about funding strategy and risk exposure. Inconsistent debt levels complicate capital planning, increase refinancing and interest-rate risk, and impede consistent credit supply and strategic investments over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound and earnings resilience
A material revenue rebound in 2025, coupled with relatively stable net income over 2020–2025, indicates the bank can restore top-line growth and preserve profitability through business cycles. That durability supports lending capacity, fee generation and medium-term capital planning.
Read all positive factors
Zhongyuan Bank Co., Ltd. Class H (1216) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$10.05B
Dividend Yield4.24%
Average Volume (3M)2.23M
Price to Earnings (P/E)3.0
Beta (1Y)1.09
Revenue Growth-6.16%
EPS Growth4.83%
CountryHK
Employees18,094
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.08
Shares Outstanding6,945,000,000
10 Day Avg. Volume1,840,900
30 Day Avg. Volume2,227,466
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)0.12
Price to Sales (P/S)0.26
P/FCF Ratio1.05
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., established in 2014 and headquartered in Zhengzhou, People's Republic of China, delivers a broad spectrum of financial services to clients across the Asia Pacific region, North America, and globally. Its offerings encompa...
How the Company Makes Money
Zhongyuan Bank generally makes money through (1) net interest income and (2) non-interest income. Net interest income is earned from the spread between interest income on interest-earning assets (such as corporate and retail loans and, where appli...
Zhongyuan Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
45
Neutral
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 39.28B | 18.75B | 13.62B | 14.42B | 11.64B |
| Gross Profit | 9.32B | 18.75B | 13.62B | 14.42B | 11.64B |
| EBITDA | 3.56B | 4.27B | 4.66B | 5.74B | 5.58B |
| Net Income | 3.50B | 3.45B | 3.22B | 2.84B | 3.57B |
Balance Sheet | |||||
| Total Assets | 1.41T | 1.37T | 1.35T | 1.33T | 768.23B |
| Cash, Cash Equivalents and Short-Term Investments | 97.18B | 39.84B | 44.92B | 129.51B | 108.68B |
| Total Debt | 332.02B | 13.42B | 132.72B | 146.11B | 97.57B |
| Total Liabilities | 1.33T | 1.26T | 1.25T | 1.23T | 705.85B |
| Stockholders Equity | 83.27B | 96.56B | 92.50B | 89.23B | 61.21B |
Cash Flow | |||||
| Free Cash Flow | 9.86B | -82.96B | 7.40B | 54.17B | -37.33B |
| Operating Cash Flow | 11.07B | -81.38B | 8.25B | 55.14B | -36.71B |
| Investing Cash Flow | -16.66B | -32.89B | -15.06B | -24.51B | 19.20B |
| Financing Cash Flow | -59.25B | 76.65B | -18.11B | 22.18B | 17.43B |
Zhongyuan Bank Co., Ltd. Class H Technical Analysis
Negative
0.31
Price Trends
0.30
Negative
0.31
Negative
0.32
Negative
Market Momentum
>-0.01
Negative
40.86
Neutral
43.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1216, the sentiment is Negative. The current price of 0.31 is above the 20-day moving average (MA) of 0.28, above the 50-day MA of 0.30, and below the 200-day MA of 0.32, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 40.86 is Neutral, neither overbought nor oversold. The STOCH value of 43.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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% | |
61 Neutral | HK$13.13B | 2.94 | 7.59% | 5.32% | -6.83% | 2.10% | |
60 Neutral | HK$12.63B | 2.95 | 5.25% | 6.13% | -3.62% | 1.69% | |
58 Neutral | HK$10.05B | 2.98 | 3.96% | 4.24% | -6.16% | 4.83% | |
57 Neutral | HK$13.68B | 2.23 | 3.99% | ― | -7.67% | 21.16% | |
46 Neutral | HK$15.38B | 8.03 | 3.77% | 1.89% | ― | ― |
* Financial Sector Average
HK:1216
Zhongyuan Bank Co., Ltd. Class H
0.28
-0.14
-33.73%
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
0.88
-0.53
-37.59%
HK:9668
China Bohai Bank Co., Ltd. Class H
0.77
-0.32
-29.36%
HK:1578
Bank of Tianjin Co., Ltd. Class H
2.08
-0.36
-14.68%
HK:6199
Bank of Guizhou Co. Ltd. Class H
0.90
-0.26
-22.48%
Zhongyuan Bank Co., Ltd. Class H Corporate Events
Zhongyuan Bank Wins Strong Shareholder Backing at 2025 AGM
Jun 29, 2026
Zhongyuan Bank Co., Ltd. held its 2025 annual general meeting on June 29, 2026, in Zhengzhou, with the session chaired by chairman Zhou Feng and attended by the full board. The meeting was convened in compliance with Chinese regulations and the ba...
Zhongyuan Bank Secures Regulatory Approval for New Chairman Zhou Feng
Jun 25, 2026
Zhongyuan Bank Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, focuses its operations within mainland China and falls outside the regulatory remit of the Hong Kong Monetary Authority. The institution is therefore not...
Zhongyuan Bank Sets 2025 AGM, Proposes Withholding Final Dividend to Bolster Capital
Jun 5, 2026
Zhongyuan Bank Co., Ltd. has convened its 2025 annual general meeting for June 29, 2026 in Zhengzhou, where shareholders will vote on key matters including the 2025 work and financial reports, profit distribution plan, remuneration reports, capita...
Zhongyuan Bank Schedules June Board Meeting to Consider Potential Final Dividend
May 22, 2026
Zhongyuan Bank Co., Ltd., a Zhengzhou-based joint stock commercial bank serving the mainland Chinese market and listed in Hong Kong as a Class H share issuer, has clarified that it does not operate as an authorized banking institution under Hong K...
Zhongyuan Bank Shareholders Back Capital Plan and Sci-Tech Bond Issue at 2026 EGM
Apr 29, 2026
Zhongyuan Bank Co., Ltd. held its first extraordinary general meeting of 2026 in Zhengzhou on April 29, confirming that the meeting was convened in compliance with PRC laws and the bank’s articles, with key board members in attendance and no...
Zhongyuan Bank Overhauls Top Leadership as Chairman and President Roles Shift
Apr 21, 2026
Zhongyuan Bank has announced a major leadership reshuffle, with chairman and executive director Guo Hao resigning from all positions, including head of the Strategy and Development Committee and authorized representative, due to a work transfer. T...
Zhongyuan Bank Discloses Board Line-Up and Committee Structure
Apr 21, 2026
Zhongyuan Bank Co., Ltd. has announced the current composition of its board of directors, comprising one executive director, three non-executive directors, and five independent non-executive directors. The disclosure clarifies the mix of oversight...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.