Loading…
Regional Chinese commercial bank formed by merging several Henan province city banks, serving retail and corporate customers.
Regional Chinese commercial bank formed by merging several Henan province city banks, serving retail and corporate customers.
Earns mainly from interest on loans, with corporate lending the larger part, funded by deposits collected in Henan, one of China's most populous provinces. Henan state-linked investors hold the main stakes, and it was created in 2014 by merging several city banks.
In one line: A Chinese regional bank.
Moat: narrow (regulatory licence, scale, distribution). Consolidated multiple city banks into the largest banking franchise in Henan province.
Headquarters: Zhengzhou, China · Founded: 2014 · Employees: 18,094
Size Zhongyuan Bank (1216.HK) is a Hong Kong Financials company (Regional Banks) with a market value of $1.31B, the 530th largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$0.28 on 6 Nov 2026.
Performance Over six months the shares fell 15.2%, against +9.3% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — lowest of 21 in its peer set.
Growth Revenue fell 0.4% over the last twelve months (peer median +9.9%); the operating margin is 21.8% (peer median 38.4%).
Valuation It trades at 0.10× book value against a peer median of 1.23× (cheapest of 21).
Price implies The share price implies a return on equity of about 3.3%; Zhongyuan Bank delivers 3.6%, so the price asks less than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | HK$55.1B | HK$54.6B | HK$58.2B | HK$61.5B | HK$56.9B |
| Revenue growth | — | -6% | -5% | +8% | — |
| Net income | HK$3.40B | HK$3.18B | HK$3.03B | HK$3.35B | HK$3.30B |
| Free cash flow | -HK$8.66B | HK$11.0B | HK$37.2B | HK$17.0B | HK$32.7B |
| Capital expenditure | HK$1.05B | HK$1.34B | HK$1.71B | HK$932M | HK$1.13B |
| Total debt | n/a | HK$370B | HK$375B | HK$414B | HK$422B |
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 |
|---|---|---|---|---|---|---|
| Zhongyuan Bank 1216.HK | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% |
| Bank of Zhengzhou 6196.HK | $2.06B | -14% | -3% | 3% | 0.15× | 3.5% |
| Bank of Qingdao 3866.HK | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% |
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 | 1216.HK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -3.5% | -1.0% | 9th lowest of 21 |
| 6-month return | -15.2% | +9.3% | lowest of 21 |
| Return on equity | 3.6% | 12.4% | lowest of 21 |
| Price / book | 0.10× | 1.23× | cheapest of 21 |
| Trailing P/E | 3.0× | 11.5× | cheapest of 21 |
| ROE the price implies | 3.3% | 10.1% | 2nd least demanding of 21 |
| ROE delivered | 3.6% | 12.4% | lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |