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1216.HK
STRONG SELLREMOVEZhongyuan Bank Co., Ltd. · Financial Services · China · $1.4B · Avg Vol: $36K/d
Zhongyuan Bank is a regional Chinese commercial bank. It is highly exposed to local government debt and the depressed regional real estate market, presenting significant balance sheet risks with no thematic tailwinds.
COMPANY DESCRIPTION
Zhongyuan Bank Co., Ltd. provides a comprehensive range of commercial banking services, including corporate banking, retail banking, and treasury operations, primarily in Henan Province, China. As the largest regional bank in Henan, its competitive moat is built on an extensive branch network and deep-rooted relationships with local governments and state-owned enterprises. It operates as a dominant regional lender with a stable, low-cost retail deposit base.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | 3.4B | 3.0B | 2.8B | 3.2B | -2.6% |
| EPS | 0.02 | 0.08 | 0.05 | 0.06 | — | 41.1% |
| Shares | — | 6.9B | 6.9B | 6.9B | 36.5B | +426.3% |
| Debt | — | 21.6B | 19.6B | 21.8B | 13.8B | -13.9% |
| Equity | — | 13.2B | 13.7B | 14.3B | 14.2B | 2.6% |
| Op CF | — | 8.1B | 1.2B | -2.3B | 14.0B | 19.8% |
| Inv CF | — | -3.6B | -2.2B | -4.9B | -2.5B | — |
| Fin CF | — | 3.3B | -2.7B | 1.6B | -8.8B | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 1216.HK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| 1216.HK | Zhongyuan Bank Co., Ltd.(you) | $1.4B | 20 | STRONG SELL |
| 601528.SS | Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd | $1.3B | 18 | STRONG SELL |
| 001227.SZ | Bank of Lanzhou Co., Ltd. | $1.8B | 19 | STRONG SELL |
| 6196.HK | Bank of Zhengzhou Co., Ltd. | $1.1B | 23 | SELL |
| 601860.SS | Jiangsu Zijin Rural Commercial Bank Co.,Ltd | $1.4B | 30 | SELL |
| 002958.SZ | Qingdao Rural Commercial Bank Co., Ltd. | $2.3B | 19 | STRONG SELL |
| 603323.SS | Jiangsu Suzhou Rural Commercial Bank Co., Ltd | $1.4B | 33 | SELL |
| 9668.HK | China Bohai Bank Co., Ltd. | $1.6B | 10 | STRONG SELL |
| 600928.SS | Bank of Xi'an Co.,Ltd. | $2.2B | 23 | SELL |
| 600908.SS | Wuxi Rural Commercial Bank Co.,Ltd | $1.7B | 32 | SELL |
Peer medians: ROE 8.2% · P/E 8.3x · Gross margin 36.1%