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 Jun 25
- OPERATING CASH FLOW(Y) Highest at HKD 72,531.49 MM
- GROSS NPA (%)(Q) Lowest at 1.62%
- OPERATING PROFIT(Q) Highest at HKD 5,657.39 MM
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 4.69%, its profits have risen by 6.1% ; the PEG ratio of the company is 0
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?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Zhongyuan Bank Co., Ltd.
4.69%
-0.04
33.77%
Hang Seng Hong Kong
8.25%
0.41
19.93%
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
Mildly Bullish
Mildly Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
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 Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at HKD 72,531.49 MM
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Highest at HKD 5,657.39 MM
OPERATING PROFIT MARGIN(Q)
Highest at 23.03 %
NET PROFIT(Q)
Highest at HKD 7,133.6 MM
-3What is not working for the Company
NET SALES(Q)
Lowest at HKD 24,566.95 MM
CASH AND EQV(HY)
Lowest at HKD 66,056.36 MM
Here's what is working for Zhongyuan Bank Co., Ltd.
Non Performing Loans (%)
Lowest at 1.62% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at HKD 72,531.49 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)
Operating Profit
Highest at HKD 5,657.39 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (HKD MM)
Operating Profit Margin
Highest at 23.03 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at HKD 7,133.6 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
Here's what is not working for Zhongyuan Bank Co., Ltd.
Net Sales
Lowest at HKD 24,566.95 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (HKD MM)
Cash and Eqv
Lowest at HKD 66,056.36 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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