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Bank of Zhengzhou Co., Ltd. Class H (6196) AI Stock Analysis
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Bank of Zhengzhou Co., Ltd. Class H
(HKEX:6196)
The overall score reflects a regional bank with stable profitability and meaningfully improved recent cash generation, offset by weakening revenue trends, margin compression, higher leverage, and declining returns on equity as the primary risks. Technical signals add a modest positive tilt through short-term upward momentum, but the price still sits below longer-term averages, limiting conviction in a sustained trend. A relatively low P/E and moderate dividend yield suggest the valuation is somewhat supportive, yet not compelling enough on its own to outweigh the financial and growth challenges.
Bank of Zhengzhou Co., Ltd. Class H (6196) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 15.71B
- Dividend Yield
- 2.50%
- Average Volume (3M)
- 5.57M
- Price to Earnings (P/E)
- 7.9
- Beta (1Y)
- 0.57
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- Hong Kong
- Employees
- 6,052
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 financial...
Bank of Zhengzhou Co., Ltd. Class H Financial Statement Overview
Summary
Consistent profitability and markedly improved recent cash flows support a solid profile, but revenue declines, margin compression, rising leverage, and lower returns on equity introduce notable financial risk.
Income Statement
68PositiveBalance Sheet
62PositiveCash Flow
72Positive| 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 | 1.42B | 2.26B | 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 | 75.69B | 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
Price Trends
Market Momentum
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 0.88 is above the 20-day moving average (MA) of 0.84, below the 50-day MA of 0.88, and below the 200-day MA of 0.97, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 58.35 is Neutral, neither overbought nor oversold. The STOCH value of 77.09 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
Overall Rating
HK:967771Outperform
HK:157868Neutral- HK:619667Neutral
HK:619962Neutral
HK:121659Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:9677 | 71Outperform | HKD 21.16B | 6.86 | 8.86% | 3.73% | 6.25% | 16.32% |
| 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:6196 | 67Neutral | HKD 15.71B | 7.86 | 4.11% | 2.50% | ― | ― |
| HK:6199 | 62Neutral | HKD 13.71B | 2.93 | 7.75% | 7.35% | -1.55% | 10.31% |
| HK:1216 | 59Neutral | HKD 10.23B | 2.89 | 4.32% | 4.69% | -0.41% | 13.43% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:6196 | Bank of Zhengzhou Co., Ltd. Class H | 0.88 | -0.40 | -31.10% | |
| HK:1578 | Bank of Tianjin Co., Ltd. Class H | 1.96 | -0.39 | -16.63% | |
| HK:9677 | Weihai City Commercial Bank Co., Ltd. Class H | 3.08 | 0.31 | 11.03% | |
| HK:1216 | Zhongyuan Bank Co., Ltd. Class H | 0.28 | -0.03 | -9.68% | |
| HK:6199 | Bank of Guizhou Co. Ltd. Class H | 0.94 | -0.05 | -5.43% |
Bank of Zhengzhou Co., Ltd. Class H Corporate Events
Bank of Zhengzhou Completes RMB10 Billion Indefinite-Term Capital Bond Issuance
Bank of Zhengzhou Co., Ltd., a Henan-based commercial bank incorporated in the PRC and listed in Hong Kong via H shares, primarily serves regional customers with standard banking products despite not being authorized to conduct banking or deposit-tak...
Bank of Zhengzhou Schedules Board Meeting to Approve Q3 2026 Results
Bank of Zhengzhou Co., Ltd., a joint stock commercial bank based in Zhengzhou, Henan, provides banking and financial services within the mainland China market. The institution is not supervised by the Hong Kong Monetary Authority and does not engage...
Bank of Zhengzhou Publishes 2026 Interim Results Announcement
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 preli...
Bank of Zhengzhou Sets Board Meeting to Approve 2026 Interim Results
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 bank’s...
Bank of Zhengzhou Raises RMB6 Billion via Tier-Two Capital Bond Issue
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 mar...
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: Sep 06, 2026