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
Flat results in Dec 25
- CASH AND EQV(HY) Lowest at HKD 65,251.35 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 99.58%
- OPERATING PROFIT(Q) Lowest at HKD -240.46 MM
4
With ROA of 1.10%, it has a Very Attractive valuation with a 0.13 Price to Book Value
- Over the past year, while the stock has generated a return of -5.88%, its profits have fallen by -19.3%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -5.88% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
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.
-5.88%
-0.20
29.42%
Hang Seng Hong Kong
8.76%
0.45
19.63%
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
0
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
0.13
EV to EBIT
36.12
EV to EBITDA
31.02
EV to Capital Employed
0.80
EV to Sales
6.41
PEG Ratio
NA
Dividend Yield
3.82%
ROCE (Latest)
2.22%
ROE (Latest)
26.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at HKD 51,328.74 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at HKD 12,550.29 MM
-8What is not working for the Company
CASH AND EQV(HY)
Lowest at HKD 65,251.35 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 99.58%
OPERATING PROFIT(Q)
Lowest at HKD -240.46 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -0.98 %
PRE-TAX PROFIT(Q)
Lowest at HKD 1,195.05 MM
NET PROFIT(Q)
Lowest at HKD 1,390.79 MM
Here's what is working for Zhongyuan Bank Co., Ltd.
Non Performing Loans (%)
Lowest at 1.61% 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 51,328.74 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)
NII
Highest at HKD 12,550.29 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Depreciation
At HKD 805.39 MM has Grown at 18.87%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (HKD MM)
Here's what is not working for Zhongyuan Bank Co., Ltd.
Operating Profit
Lowest at HKD -240.46 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at -0.98 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD 1,195.05 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Pre-Tax Profit
Fallen at -69.3%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD 1,390.79 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
Net Profit
Fallen at -61.8%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
Cash and Eqv
Lowest at HKD 65,251.35 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 99.58%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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