Zhongyuan Bank Co., Ltd. Class H (HK:1216)
:1216
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Zhongyuan Bank Co., Ltd. Class H
(1216)
Select Model
Select Model
Rating:58Neutral
Price Target:
HK$0.35
â–²(12.26% Upside)
Action:ReiteratedDate: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
Diversified Revenue Streams
A multi-pronged revenue model—net interest margin from lending, fee/commission services and trading/investment income—provides durable income diversification. Over 2–6 months this reduces reliance on any single source, smoothing earnings through interest-rate or transaction volume cycles.
Negative Factors
Volatile Leverage Trajectory
Large swings in reported leverage create uncertainty about capital management and risk exposure. An unpredictable leverage path complicates regulatory capital planning, funding strategy and investor confidence, and may constrain lending or dividend policy until a clearer trend emerges.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Revenue Streams
A multi-pronged revenue model—net interest margin from lending, fee/commission services and trading/investment income—provides durable income diversification. Over 2–6 months this reduces reliance on any single source, smoothing earnings through interest-rate or transaction volume cycles.
Read all positive factors
Zhongyuan Bank Co., Ltd. Class H (1216) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$12.06B
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 Ratio0.00
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
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 primarily makes money through: (1) Net interest income: earning interest on loans and other interest-earning assets and paying interest on customer deposits and other funding sources, with profitability driven by the interest margin...
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 | 0.00 | 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 | -34.40B | -32.89B | -15.06B | -24.51B | 19.20B |
| Financing Cash Flow | 45.81B | 76.65B | -18.11B | 22.18B | 17.43B |
Zhongyuan Bank Co., Ltd. Class H Technical Analysis
Negative
0.31
Price Trends
0.33
Negative
0.33
Positive
0.34
Negative
Market Momentum
>-0.01
Negative
49.54
Neutral
100.00
Negative
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 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 bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 49.54 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, 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% | |
62 Neutral | HK$6.75B | 2.40 | 0.50% | 3.72% | -8.91% | ― | |
62 Neutral | HK$14.44B | 3.84 | 5.60% | 5.32% | -1.24% | 4.34% | |
60 Neutral | HK$14.33B | 1.84 | 4.62% | 6.13% | -3.34% | -22.01% | |
58 Neutral | HK$12.06B | 1.69 | 3.11% | 4.24% | -7.58% | 12.65% | |
57 Neutral | HK$15.10B | 2.83 | 4.11% | ― | -5.76% | 18.15% | |
54 Neutral | HK$16.01B | -6.21 | 3.63% | 1.89% | -5.02% | -3.28% |
* Financial Sector Average
HK:1216
Zhongyuan Bank Co., Ltd. Class H
0.33
0.03
10.37%
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Bank of Jiujiang Co., Ltd. Class H
2.37
-2.25
-48.73%
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Bank of Zhengzhou Co., Ltd. Class H
1.03
0.16
17.98%
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China Bohai Bank Co., Ltd. Class H
0.85
0.01
1.19%
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Bank of Tianjin Co., Ltd. Class H
2.36
0.72
43.81%
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Bank of Guizhou Co. Ltd. Class H
0.99
-0.02
-1.98%
Zhongyuan Bank Co., Ltd. Class H Corporate Events
Zhongyuan Bank Plans RMB500 Million Sci-Tech Innovation Bond Issuance
Apr 9, 2026
Zhongyuan Bank has approved plans to issue up to RMB500 million in sci-tech innovation bonds with maturities of at least three years, using either fixed or floating interest rates set by market benchmarks. Proceeds from these bonds will be used to...
Zhongyuan Bank Calls 2026 EGM to Approve Capital Plan and New Bond Issues
Apr 9, 2026
Zhongyuan Bank Co., Ltd. has convened its first extraordinary general meeting of 2026 for April 29 in Zhengzhou, where shareholders will vote on a multi-year capital replenishment and use plan for 2026–2028. The meeting will also consider pr...
Zhongyuan Bank Releases Audited 2025 Annual Results and Plans Full Report
Mar 30, 2026
Zhongyuan Bank Co., Ltd., a joint stock commercial bank based in Zhengzhou and operating under International Financial Reporting Standards, has disclosed its audited consolidated results for the year ended December 31, 2025. The bank, listed in Ho...
Zhongyuan Bank Plans Merger of Leasing Subsidiaries to Bolster Capital and Synergies
Mar 27, 2026
Zhongyuan Bank’s board has revealed that its subsidiaries AB Leasing and BOL Financial Leasing have approved starting work on a potential absorption and merger, under which BOL Financial Leasing would be merged into AB Leasing. Both entities...
Zhongyuan Bank Sets March 30 Board Meeting to Approve 2025 Annual Results and Consider Final Dividend
Mar 17, 2026
Zhongyuan Bank Co., Ltd. has scheduled a board meeting for March 30, 2026, to review and approve the annual results of the bank and its subsidiaries for the financial year ended December 31, 2025, and to authorize their publication. The board will...
Zhongyuan Bank Reshapes Strategy Committee and Details President’s Pay
Feb 16, 2026
Zhongyuan Bank has reshuffled its strategy and development committee, appointing Zhou Feng and Li Wenqiang as members while accepting the resignation of Feng Ruofan, in a move the board says is aimed at strengthening its corporate governance and a...
Zhongyuan Bank Details Board Composition and Governance Committee Roles
Feb 16, 2026
Zhongyuan Bank Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, operates primarily under mainland regulatory oversight and does not hold authorization to carry out banking or deposit-taking business in Hong Kong. Its ...
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.