Openbookopenbook
Equity
Zhongyuan Bank Co., Ltd.(ZNNGY)
USD --+0.00%
Reward36Moderate
Risk51Moderate
📊75%Data
Strong 27% profit margin · 3.9% dividend yield · Revenue down 7% YoY
ZNNGY
+0.0 · +0.00%
USD · PINK
Zhongyuan Bank Co., Ltd. | Financial Services
Structurally Challenged
Market Cap:2.27Bn
ℹ️
Reward Rating
36
Moderate
Bottom 5% (model universe)
75% data coverage
ℹ️
Risk Rating
51
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on ZNNGY to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Zhongyuan Bank Co., Ltd.?

provides various banking products and services in the Asia Pacific, North America, and internationally.

ZNNGY · Verdict

Limited reward · elevated risk

ZNNGY's standout is volatility; growth and balance sheet weigh on the picture.

Based on 88% data coverage

ZNNGY · Verdict

What’s working & what to watch

Strengths 1

  • Volatility75/100

    Above average

Watchouts 4

  • Growth24/100

    Rev +1.8% CAGR · earnings -1.1%

  • Balance sheet24/100

    Weak vs peers

  • Profitability40/100

    18% net margin · 3% ROE

  • Valuation41/100

    Below average

Model-based scoring. For information only — not financial advice.

What is Zhongyuan Bank Co., Ltd.?

provides various banking products and services in the Asia Pacific, North America, and internationally. The company operates through Corporate Banking, Retail Banking, and Financial Markets Business segments. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 2.27B, and a P/E ratio of 5.6x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue growth is subdued, limiting near-term earnings expansion.
💰 Profitability
Profitability metrics are mixed — margins may be under pressure.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Discount reflects uncertainty around future performance.

OpenBook Logo Analysis

Reward: Moderate (36)

The scoring profile indicates weak reward characteristics across most factors, including momentum and size. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap2.27B
P/E Ratio5.5536
Dividend Yield3.86%
52 Week High3.11
52 Week Low1.7674
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding139M
No. of Employees18,197
IndustryBanks - Regional
ExchangePINK
Beta-0.068
CurrencyUSD · Reports in CNY
Websitewww.zybank.com.cn
openbook

Stock research for everyday UK investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.