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Regional Chinese commercial bank based in Zhengzhou, Henan province, serving corporate and retail customers.
Regional Chinese commercial bank based in Zhengzhou, Henan province, serving corporate and retail customers.
Earns mainly from the gap between interest on loans to local companies and households and the interest paid on deposits, with fees as a supplement. These H shares are the Hong Kong listing of the same bank also quoted as 002936.SZ.
In one line: A Chinese regional bank.
Moat: narrow (regulatory licence, distribution). Local banking licence and branch network concentrated in Henan province.
Headquarters: Zhengzhou, China · Founded: 1996 · Employees: 6,052
Size Bank of Zhengzhou (6196.HK) is a Hong Kong Financials company (Regional Banks) with a market value of $2.06B, the 409th largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$0.90 on 6 Nov 2026.
Performance Over six months the shares fell 13.9%, against +5.0% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — 3rd lowest of 21 in its peer set.
Growth Revenue fell 3.4% over the last twelve months (peer median +2.2%); the operating margin is 15.2% (peer median 37.6%).
Valuation It trades at 0.15× book value against a peer median of 1.23× (cheapest of 21).
Next results Next results expected around 1 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | HK$28.5B | HK$28.0B | HK$28.2B | HK$29.6B | HK$32.6B |
| Revenue growth | — | -1% | -5% | -9% | — |
| Net income | HK$2.16B | HK$1.53B | HK$1.51B | HK$1.51B | HK$2.82B |
| Free cash flow | n/a | HK$15.1B | HK$13.3B | HK$11.9B | -HK$4.63B |
| Capital expenditure | n/a | HK$108M | HK$295M | HK$577M | HK$862M |
| Total debt | HK$246B | HK$242B | HK$226B | HK$237B | HK$228B |
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 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% |
| Bank of Tianjin 1578.HK | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% |
| Zhongyuan Bank 1216.HK | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% |
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 | 6196.HK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +7.2% | +0.1% | 4th highest of 21 |
| 6-month return | -13.9% | +5.0% | 3rd lowest of 21 |
| Return on equity | 3.1% | 9.9% | lowest of 21 |
| Price / book | 0.15× | 1.23× | cheapest of 21 |
| Trailing P/E | 3.8× | 12.0× | cheapest of 21 |
| ROE the price implies | 3.5% | 10.4% | 3rd least demanding of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bank of Zhengzhou 6196.HK | Hong Kong | $2.06B | -14% | -3% | 3% | 0.15× | 3.5% | n/a |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| Bancorp TBBK | United States | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% | 33.0% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| 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% |
| 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% |
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| First Busey BUSE | United States | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% | 9.8% |
| 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% |
| Banco di Desio e della Brianza BDB.MI | Italy | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% | 9.0% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |