ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Zhongyuan Bank Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.42% signifying low profitability per unit of total assets
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Positive results in Dec 24
- OPERATING CASH FLOW(Y) Highest at HKD 56,397.13 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 49.79%
- DIVIDEND PER SHARE(HY) Highest at HKD 0
4
With ROA of 1.00%, it has a Very Attractive valuation with a 0.03 Price to Book Value
- Over the past year, while the stock has generated a return of 3.23%, its profits have risen by 6.1% ; the PEG ratio of the company is 0
5
Underperformed the market in the last 1 year
- The stock has generated a return of 3.23% in the last 1 year, much lower than market (Hang Seng Hong Kong) returns of 26.67%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Zhongyuan Bank Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Zhongyuan Bank Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Zhongyuan Bank Co., Ltd.
3.23%
-0.16
35.80%
Hang Seng Hong Kong
27.36%
1.03
25.88%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.47%
EBIT Growth (5y)
4.17%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
15.86%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
0
Industry P/E
Price to Book Value
0.03
EV to EBIT
35.29
EV to EBITDA
29.67
EV to Capital Employed
0.78
EV to Sales
5.90
PEG Ratio
0.02
Dividend Yield
18.92%
ROCE (Latest)
2.22%
ROE (Latest)
23.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Zhongyuan Bank Co., Ltd.
Operating Cash Flow
Highest at HKD 56,397.13 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (HKD MM)
Dividend per share
Highest at HKD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (HKD)
Dividend Payout Ratio
Highest at 49.79%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Zhongyuan Bank Co., Ltd.
Net Sales
Lowest at HKD 25,679.62 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (HKD MM)
Operating Profit
Lowest at HKD 2,580.07 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at 10.05 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD 3,892.71 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Cash and Eqv
Lowest at HKD 70,031.17 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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