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Zhongyuan Bank Co., Ltd. Class H (1216) AI Stock Analysis
Zhongyuan Bank Co., Ltd. Class H
(HKEX:1216)
The overall score is supported primarily by solid financial performance, where strong revenue growth, improving ROE and stable net income are balanced against volatile cash flows, leverage swings and fluctuating profitability, and by an attractive valuation with a very low P/E and healthy dividend yield suggesting significant upside if risks are managed. Technicals contribute positively with a clear uptrend and strong momentum, though elevated RSI and Stochastic readings hint at near-term overbought conditions that may temper short-term entry timing without undermining the medium-term setup.
Zhongyuan Bank Co., Ltd. Class H (1216) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 10.23B
- Dividend Yield
- 4.69%
- Average Volume (3M)
- 287.35K
- Price to Earnings (P/E)
- 2.9
- Beta (1Y)
- 0.46
- Revenue Growth
- -0.41%
- EPS Growth
- 13.43%
- Country
- Hong Kong
- Employees
- 18,459
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 encompass...
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 applicab...
Zhongyuan Bank Co., Ltd. Class H Financial Statement Overview
Summary
Financial performance is solidly above average, driven by very strong revenue growth (333% in 2025 after 38% in 2024) and stable net income around 3–3.5 billion CNY with improving net profit margins, offset by volatility in EBIT margins and occasional negative EBIT years, as well as leverage and cash flow fluctuations that introduce execution and risk-management concerns.
Income Statement
78PositiveBalance Sheet
65PositiveCash Flow
52Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.14B | 39.28B | 18.75B | 13.62B | 14.42B | 11.64B |
| Gross Profit | 11.73B | 9.32B | 18.75B | 13.62B | 14.42B | 11.64B |
| EBITDA | 5.14B | 3.60B | 4.27B | 4.66B | 5.74B | 5.58B |
| Net Income | 3.65B | 3.50B | 3.45B | 3.22B | 2.84B | 3.57B |
Balance Sheet | ||||||
| Total Assets | 1.50T | 1.41T | 1.37T | 1.35T | 1.33T | 768.23B |
| Cash, Cash Equivalents and Short-Term Investments | 85.17B | 97.18B | 39.84B | 44.92B | 129.51B | 108.68B |
| Total Debt | 379.44B | 332.02B | 13.42B | 132.72B | 146.11B | 97.57B |
| Total Liabilities | 1.41T | 1.33T | 1.26T | 1.25T | 1.23T | 705.85B |
| Stockholders Equity | 85.67B | 83.27B | 96.56B | 92.50B | 89.23B | 61.21B |
Cash Flow | ||||||
| Free Cash Flow | -7.82B | 9.86B | -82.96B | 7.40B | 54.17B | -37.33B |
| Operating Cash Flow | -6.89B | 11.07B | -81.38B | 8.25B | 55.14B | -36.71B |
| Investing Cash Flow | -36.38B | -16.66B | -32.89B | -15.06B | -24.51B | 19.20B |
| Financing Cash Flow | 87.15B | -59.25B | 76.65B | -18.11B | 22.18B | 17.43B |
Zhongyuan Bank Co., Ltd. Class H Technical Analysis
Price Trends
Market Momentum
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 0.28 is below the 20-day moving average (MA) of 0.28, below the 50-day MA of 0.28, and below the 200-day MA of 0.31, indicating a bearish trend. The MACD of -0.00 indicates Positive momentum. The RSI at 44.37 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 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
Overall Rating
- HK:121676Outperform
HK:157868Neutral
HK:966864Neutral
HK:619962Neutral
HK:619659Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:1216 | 76Outperform | HKD 10.23B | 2.88 | 4.32% | 4.69% | -0.41% | 13.43% |
| HK:1578 | 68Neutral | HKD 11.87B | 2.71 | 5.18% | 7.99% | -3.82% | 0.34% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:9668 | 64Neutral | HKD 12.70B | 1.97 | 4.55% | ― | -5.40% | 31.36% |
| HK:6199 | 62Neutral | HKD 13.71B | 2.92 | 7.75% | 7.35% | -1.55% | 10.31% |
| HK:6196 | 59Neutral | HKD 15.71B | 7.86 | 4.11% | 2.50% | ― | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:1216 | Zhongyuan Bank Co., Ltd. Class H | 0.28 | -0.02 | -8.20% | |
| HK:6196 | Bank of Zhengzhou Co., Ltd. Class H | 0.88 | -0.40 | -31.10% | |
| HK:9668 | China Bohai Bank Co., Ltd. Class H | 0.71 | -0.31 | -29.90% | |
| HK:1578 | Bank of Tianjin Co., Ltd. Class H | 1.96 | -0.41 | -17.27% | |
| HK:6199 | Bank of Guizhou Co. Ltd. Class H | 0.94 | -0.06 | -6.28% |
Zhongyuan Bank Co., Ltd. Class H Corporate Events
Zhongyuan Bank Wins Strong Shareholder Backing at 2025 AGM
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 bank&...
Zhongyuan Bank Secures Regulatory Approval for New Chairman Zhou Feng
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 li...
Zhongyuan Bank Sets 2025 AGM, Proposes Withholding Final Dividend to Bolster Capital
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, capital a...
Zhongyuan Bank Schedules June Board Meeting to Consider Potential Final Dividend
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 Kong...
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.
Date of analysis: Aug 06, 2026