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Bank of Zhengzhou Co., Ltd. Class H
(6196)
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Rating:61Neutral
Price Target:
HK$0.98
▼(-15.13% Downside)
Action:Reiterated
Date:09/06/26
The score is driven primarily by mixed financial performance: steady profitability and strong recent cash flow are offset by declining revenue, margin pressure, and elevated leverage with modest ROE. Technicals add support from improving short-term momentum, while valuation contributes positively due to a low P/E and moderate dividend yield.
Positive Factors
Strong recent cash generation
Strong recent operating and free cash flow indicates that reported earnings are converting into cash, supporting the bank’s ability to fund operations and capital needs internally. This improves financial flexibility over the next several quarters, although historical volatility means consistency remains important.
Negative Factors
Declining revenue trend
A multi-year pattern of negative revenue growth signals a challenging expansion backdrop for the business. If sustained, weaker top-line performance can limit operating leverage, reduce resources available for investment, and make it harder for earnings to improve without stronger loan or fee-income growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong recent cash generation
Strong recent operating and free cash flow indicates that reported earnings are converting into cash, supporting the bank’s ability to fund operations and capital needs internally. This improves financial flexibility over the next several quarters, although historical volatility means consistency remains important.
Read all positive factors
Bank of Zhengzhou Co., Ltd. Class H (6196) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$15.81B
Dividend Yield2.41%
Average Volume (3M)6.78M
Price to Earnings (P/E)8.3
Beta (1Y)0.89
Revenue GrowthN/A
EPS GrowthN/A
CountryHK
Employees6,172
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.20
Shares Outstanding2,020,458,000
10 Day Avg. Volume7,325,784
30 Day Avg. Volume6,782,681
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)0.21
Price to Sales (P/S)0.39
P/FCF Ratio0.69
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)0.09
Revenue Forecast (FY)HK$11.37B
Bank of Zhengzhou Co., Ltd. Class H Business Overview & Revenue Model
Company Description
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 financ...
How the Company Makes Money
Bank of Zhengzhou makes money primarily through a standard commercial bank model centered on interest income and fee-based income.
1) Net interest income (core earnings driver)
- Lending vs. deposit spread: The bank collects deposits (a relativel...
Bank of Zhengzhou Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
48
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.95B | 23.80B | 24.70B | 25.36B | 26.88B | 25.46B |
| Gross Profit | 5.68B | 10.96B | 11.71B | 12.33B | 14.07B | 11.82B |
| EBITDA | 1.32B | 2.23B | 2.24B | 2.20B | 3.28B | 4.44B |
| Net Income | 1.94B | 1.90B | 1.88B | 1.85B | 2.42B | 3.23B |
Balance Sheet | ||||||
| Total Assets | 790.70B | 743.99B | 676.37B | 630.71B | 591.51B | 574.98B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 74.77B | 44.79B | 33.80B | 30.80B | 40.52B |
| Total Debt | 96.77B | 216.98B | 110.57B | 102.52B | 95.27B | 90.45B |
| Total Liabilities | 731.94B | 697.12B | 620.07B | 576.39B | 538.89B | 515.57B |
| Stockholders Equity | 56.95B | 45.08B | 54.45B | 52.45B | 50.77B | 57.77B |
Cash Flow | ||||||
| Free Cash Flow | 18.56B | 13.61B | 8.49B | -10.56B | -32.09B | -43.32B |
| Operating Cash Flow | 18.67B | 13.70B | 8.77B | -10.04B | -31.35B | -42.62B |
| Investing Cash Flow | -69.96B | -17.85B | -11.96B | -4.03B | 27.51B | 40.96B |
| Financing Cash Flow | 62.11B | -2.88B | 5.10B | 15.57B | -7.07B | 3.56B |
Bank of Zhengzhou Co., Ltd. Class H Technical Analysis
Neutral
1.15
Price Trends
0.89
Positive
0.94
Negative
1.03
Negative
Market Momentum
<0.01
Negative
54.04
Neutral
62.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6196, the sentiment is Neutral. The current price of 1.15 is above the 20-day moving average (MA) of 0.89, above the 50-day MA of 0.89, and above the 200-day MA of 1.03, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 54.04 is Neutral, neither overbought nor oversold. The STOCH value of 62.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:6196.
Bank of Zhengzhou 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 | HK$13.32B | 3.08 | 5.18% | 7.11% | -3.82% | 0.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | HK$19.92B | 6.79 | 8.86% | 3.81% | 6.25% | 16.32% | |
61 Neutral | HK$15.81B | 8.33 | 4.01% | 2.41% | ― | ― | |
61 Neutral | HK$13.42B | 2.98 | 7.55% | 7.51% | -1.55% | 10.31% | |
59 Neutral | HK$10.60B | 3.05 | 4.28% | 4.53% | -0.41% | 13.43% |
* Financial Sector Average
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
0.92
-0.43
-31.72%
HK:1578
Bank of Tianjin Co., Ltd. Class H
2.13
-0.29
-11.98%
HK:9677
Weihai City Commercial Bank Co., Ltd. Class H
3.02
0.21
7.56%
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Zhongyuan Bank Co., Ltd. Class H
0.29
-0.05
-14.93%
HK:6199
Bank of Guizhou Co. Ltd. Class H
0.92
-0.15
-13.86%
Bank of Zhengzhou Co., Ltd. Class H Corporate Events
Bank of Zhengzhou Publishes 2026 Interim Results Announcement
Aug 28, 2026
Bank of Zhengzhou Co., Ltd. has released its unaudited consolidated interim results for the six months ended June 30, 2026, covering the performance of the bank and its subsidiaries. The announcement satisfies Hong Kong listing requirements for pr...
Bank of Zhengzhou Sets Board Meeting to Approve 2026 Interim Results
Aug 18, 2026
Bank of Zhengzhou Co., Ltd. has scheduled a board meeting for August 28, 2026 to review and approve the interim results for the six months ended June 30, 2026. The meeting will also address the publication of these results, signaling the bank̵...
Bank of Zhengzhou Raises RMB6 Billion via Tier-Two Capital Bond Issue
Aug 6, 2026
Bank of Zhengzhou Co., Ltd., a regional commercial bank based in Zhengzhou and listed in Hong Kong via H shares, provides conventional banking and financial services to customers in Henan province while accessing China’s national inter-bank ...
Bank of Zhengzhou Wins Approval for Multi-Billion Bond Issuance Programme
Jul 22, 2026
Bank of Zhengzhou has secured regulatory approval from the People’s Bank of China to issue capital supplementary bonds in both the national inter-bank market and overseas markets, with the licence effective until 30 June 2027. The outstandin...
Bank of Zhengzhou Shareholders Approve 2025 Reports and Profit Distribution at ASM
Jun 26, 2026
Bank of Zhengzhou Co., Ltd. held its 2025 annual shareholders’ meeting (ASM), chaired by executive director and chairman Zhao Fei, with all board members attending either in person or via video conference. Voting was conducted through a comb...
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.