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City commercial bank in Zhengzhou, Henan, providing retail and corporate banking to the provincial capital.
City commercial bank in Zhengzhou, Henan, providing retail and corporate banking to the provincial capital.
Earns mainly from the gap between interest on loans to local businesses and households and the interest it pays on deposits, with fees as a supplement. Its lending sits mostly in Zhengzhou and the rest of Henan, so loan quality tracks the local economy and property market.
Moat: narrow (regulatory licence, distribution). Local banking licence and branch network in a large provincial capital market.
Headquarters: Zhengzhou, Henan, China · Founded: 1996 · Employees: 6,052
Size Bank of Zhengzhou (002936.SZ) is a China Financials company (Regional Banks) with a market value of $2.01B, the 1252nd largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥1.78 on 6 Nov 2026.
Performance Over six months the shares fell 2.7%, against +4.2% for the median peer and -16.4% for the China market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue grew 1.2% over the last twelve months (peer median +1.2%); the operating margin is 27.9% (peer median 38.8%).
Valuation It trades at 0.34× book value against a peer median of 1.17× (2nd cheapest of 21).
Next results Next results expected around 1 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | n/a | CN¥26.1B | CN¥25.7B | CN¥26.5B | CN¥28.2B |
| Revenue growth | — | +1% | -3% | -6% | — |
| Net income | n/a | CN¥1.42B | CN¥1.40B | CN¥1.85B | CN¥2.42B |
| Free cash flow | n/a | CN¥11.8B | CN¥12.2B | CN¥8.23B | CN¥5.68B |
| Capital expenditure | n/a | CN¥99.9M | CN¥272M | CN¥523M | CN¥741M |
| Total debt | CN¥210B | CN¥217B | CN¥213B | CN¥216B | CN¥203B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Bank of Zhengzhou 002936.SZ | $2.01B | -3% | +1% | 3% | 0.34× | 2.6% |
| Bank of Qingdao 002948.SZ | $4.78B | +3% | +3% | 13% | 0.85× | 5.0% |
| Bank of Guiyang 601997.SS | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 002936.SZ | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +2.9% | +2.4% | 10th highest of 21 |
| 6-month return | -2.7% | +4.2% | 7th lowest of 21 |
| Return on equity | 3.2% | 10.1% | lowest of 21 |
| Price / book | 0.34× | 1.17× | 2nd cheapest of 21 |
| Trailing P/E | 11.4× | 11.7× | 10th cheapest of 21 |
| ROE the price implies | 2.6% | 10.3% | 2nd least demanding of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bank of Zhengzhou 002936.SZ | China | $2.01B | -3% | +1% | 3% | 0.34× | 2.6% | n/a |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| Bancorp TBBK | United States | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% | 33.0% |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| German American Bancorp GABC | United States | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% | 12.8% |
| Dime Commercial Bancshares DCOM | United States | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% | 9.4% |
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| Bank of Lanzhou 001227.SZ | China | $1.82B | -4% | 0% | 6% | 0.38× | 2.5% | 5.5% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |
| Juroku Financial Group,Inc 7380.T | Japan | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% | 6.1% |
| City Union Bank CUB.NS | India | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% | 14.1% |