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Zhongyuan Bank CoZNNGY 38 Net Margin % is 12.24% as of Dec. 2025, which is 34% below its 10-year median of 18.63. GuruFocus rates ZNNGY with a GF Score™ of 38/100 and a GF Value™ of $3.80. The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Zhongyuan Bank Co ranks worse than 78.64% on this metric.
Zhongyuan Bank Co (OTCPK:ZNNGY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Zhongyuan Bank Co Net Margin % Related Terms
Zhongyuan Bank Co Net Margin % Historical Data
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The historical data trend for Zhongyuan Bank Co's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zhongyuan Bank Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Zhongyuan Bank Co's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zhongyuan Bank Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Zhongyuan Bank Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Zhongyuan Bank Co's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zhongyuan Bank Co (ZNNGY) has a Net Margin % of 12.24% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Zhongyuan Bank Co and its competitors. This is 34% below median its historical median of 18.63. Over the past decade, Zhongyuan Bank Co's Net Margin % has ranged from 14.91 to 30.00. According to the industry distribution chart, Zhongyuan Bank Co ranks #1200 out of 1526 companies in the Banks industry, placing it in the top 78.6%.
Is Zhongyuan Bank Co's Net Margin % too high?
Zhongyuan Bank Co's current Net Margin % of 12.24% is 34% below median its 10-year median of 18.63. Over the past 10 years, this metric has ranged from a low of 14.91 to a high of 30.00. The Banks industry median Net Margin % is 27.27. Zhongyuan Bank Co's value of 12.24% is 55.1% below this industry median. Based on the distribution chart, Zhongyuan Bank Co ranks #1200 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Zhongyuan Bank Co has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Zhongyuan Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Zhongyuan Bank Co ranks #1200 out of 1526 companies for Net Margin %. This places Zhongyuan Bank Co in the lower half of its industry. The industry median Net Margin % is 27.27. Zhongyuan Bank Co's value of 12.24% is 55.1% below this benchmark. Historically, Zhongyuan Bank Co's own Net Margin % has ranged from 14.91 to 30.00 over the past decade. While the company's 10-year median is 18.63 vs. the industry median of 27.27, Zhongyuan Bank Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.27, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhongyuan Bank Co's current Net Margin % of 12.24% is 55.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Zhongyuan Bank Co and its competitors. For the Banks industry, the median Net Margin % is 27.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhongyuan Bank Co's current Net Margin % is 12.24%, which is 34% below median its own 10-year median of 18.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zhongyuan Bank Co stock overvalued right now?
Zhongyuan Bank Co (ZNNGY) has a current Net Margin % of 12.24%. The stock's GF Value™ is $3.80, compared to a current price of $3.11 — trading 18.2% below its estimated fair value. The current Net Margin % is 12.24%, which is 34% below median its 10-year median of 18.63 and 55.1% below the Banks industry median of 27.27. Zhongyuan Bank Co's overall GF Score™ is 38/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Zhongyuan Bank Co (ZNNGY), the current Net Margin % is 12.24% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zhongyuan Bank Co (ZNNGY) Overvalued in 2026?
Based on GuruFocus' analysis, Zhongyuan Bank Co stock appears to be undervalued.
The current stock price of $3.11 is trading 18.2% below its estimated GF Value™ of $3.80.
Key valuation signals for ZNNGY:
Net Margin %: 12.24% (34% below median its 10-year median of 18.63)
GF Value™: $3.80 vs. price of $3.11 (18.2% below fair value)
Industry Position: 55.1% below the Banks median (#1200 of 1526)
No single metric tells the full story. See the ZNNGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zhongyuan Bank Co Ltd is engaged in the provision of corporate banking services. The business segments of the company are the Corporate banking segment, which represents the provision of a range of financial products and services to corporations, government agencies and financial institutions; The retail banking segment represents the provision of a range of financial products and services to retail customers; The financial markets business segment covers the Group's financial markets business operations. The financial markets business enters into inter-bank money market transactions, repurchase transactions, and investments; and Other segments. The company generates the majority of its revenue from the Corporate Banking segment.
38GF Score
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