Bank of Zhengzhou Co., Ltd. Class H (3BZ) Stock Price & Analysis
3BZ Stock Chart & Stats
- Day’s Range
- EUR 0.09 - EUR 0.09
- 52-Week Range
- EUR 0.08 - EUR 0.14
- Previous Close
- EUR 0.09
- Volume
- 0
- Average Volume (3M)
- 3
- Market Cap
- EUR 1.79B
- Enterprise Value
- EUR 216.51B
- Total Cash (Recent Filing)
- EUR 75.69B
- Total Debt (Recent Filing)
- EUR 96.77B
- Price to Earnings (P/E)
- 7.9
- Beta
- 0.42
- Next Earnings
- Apr 01, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.84%
Bulls Say, Bears Say
Bulls Say
Positive Profitability
The bank continues to generate positive earnings, with historical net income remaining broadly stable around 1.9–2.4B. This provides an established earnings base for absorbing business pressures and supporting ongoing lending, customer service, and operational investment over the next several quarters.
Strong Recent Cash Generation
Recent operating and free cash flow are strong, with free cash flow roughly matching net income at about 1.0x. That indicates current reported profits are being realized in cash, strengthening internal funding capacity and providing support for normal banking operations and capital allocation.
Broad Banking Franchise
The bank operates across retail, small and medium-sized enterprise, corporate, and institutional customers, while offering deposits, lending, payments, and settlement services. This broad service and client base creates multiple sources of banking activity and supports an established regional franchise.
Bears Say
Declining Revenue Trend
Revenue has declined approximately 5% on a trailing-twelve-month basis and has been negative for several years, indicating a persistently difficult growth environment. Continued top-line contraction can restrict operating leverage, reduce funding for expansion, and make future earnings improvement harder to achieve.
Margin Compression
Net margin has compressed to about 9.3% from approximately 12.7% in 2021, showing that a smaller share of revenue is converting into profit. Unless margins stabilize, weaker profitability can limit retained earnings growth and reduce the bank’s ability to improve returns despite continued positive net income.
Elevated Leverage And Modest ROE
Debt relative to equity has risen materially to about 4.5x from roughly 1.6–2.0x in prior years, while return on equity remains near 4.0%. This combination reduces balance-sheet flexibility and indicates that the larger capital base is generating only modest shareholder returns.
Bank of Zhengzhou Co., Ltd. Class H News
3BZ FAQ
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Bank of Zhengzhou Co., Ltd. Class H Stock Smart Score
Company Description
Bank of Zhengzhou Co., Ltd. Class H
Bank of Zhengzhou Co., Ltd., a financial institution established in 1996 and known as Commercial Bank of Zhengzhou Co., Ltd. until its name change in December 2009, is headquartered in Zhengzhou, China. It offers a wide range of banking and financial services throughout the People's Republic of China. The bank's operations are segmented into Corporate Banking, Retail Banking, and Treasury Business. Its Corporate Banking division serves businesses, governmental bodies, and other financial institutions with deposit solutions, corporate loans and advances, trade financing, financial leasing, agency services, and remittance and settlement. The Retail Banking segment caters to individual clients, providing deposit accounts, personal loans, bank cards, wealth management services, and various collection, payment, and remittance options. Meanwhile, the Treasury Business unit focuses on interbank money market activities, repurchase agreements, and investment services. Beyond these core segments, the bank's extensive service portfolio includes short-term, medium-term, and long-term credit facilities; bill acceptance and discounting; the issuance of financial bonds; underwriting government securities; acting as an issuing and cashing agent; foreign exchange deposits and loans; letters of credit and guarantees; safe-deposit box services; and foreign currency exchange. Customers can also access banking services conveniently through online, telephone, and mobile platforms. As of December 31, 2021, Bank of Zhengzhou had a significant operational presence, comprising 14 branches across several cities in Henan Province, specifically Nanyang, Xinxiang, Luoyang, Anyang, Xuchang, Shangqiu, Luohe, Xinyang, Puyang, Pingdingshan, Zhumadian, Kaifeng, Zhoukou, and Hebi. Its network also included 161 sub-branches and a total of 197 self-service equipment outlets, with 160 located internally and 37 externally.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Fei Zhao
- Employees
- 6,052
- Website
- www.zzbank.cn
- Address
- 22 Shangwu Waihuan Road, Zhengzhou, HN, 450018, CN
Bank of Zhengzhou Co., Ltd. Class H (3BZ) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 10 | 1 | 10 |
| Technical Analysis | 5 | 1 | 3 |
| Moving Averages | 5 | 0 | 7 |
