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Zhongyuan Bank CoZNNGY 38 ROA % is 0.22% as of Dec. 2025, which is 50% below its 10-year median of 0.44. 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 1,527 Banks companies, Zhongyuan Bank Co ranks worse than 88.47% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Zhongyuan Bank Co's annualizedNet Income for the quarter that ended in Dec. 2025 was $442 Mil.
Zhongyuan Bank Co's average Total Assets over the quarter that ended in Dec. 2025 was $198,441 Mil. Therefore, Zhongyuan Bank Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.22%.
The historical rank and industry rank for Zhongyuan Bank Co's ROA % or its related term are showing as below:
ZNNGY'
s ROA % Range Over the Past 10 Years
Min: 0.24 Med: 0.44 Max: 0.88
Current: 0.26
During the past 12 years, Zhongyuan Bank Co's highest ROA % was 0.88%. The lowest was 0.24%. And the median was 0.44%.
ZNNGY's ROA % is ranked worse than 88.47% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs ZNNGY: 0.26
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Zhongyuan Bank Co ROA % Related Terms
Zhongyuan Bank Co ROA % Historical Data
* Premium members only.
The historical data trend for Zhongyuan Bank Co's ROA % 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.
For the Banks - Regional subindustry, Zhongyuan Bank Co's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Zhongyuan Bank Co's ROA % distribution charts can be found below:
* The bar in red indicates where Zhongyuan Bank Co's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Zhongyuan Bank Co (ZNNGY) has a ROA % of 0.22% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Zhongyuan Bank Co and its competitors. This is 50% below median its historical median of 0.44. Over the past decade, Zhongyuan Bank Co's ROA % has ranged from 0.24 to 0.88. According to the industry distribution chart, Zhongyuan Bank Co ranks #1351 out of 1527 companies in the Banks industry, placing it in the top 88.5%.
Is Zhongyuan Bank Co's ROA % too high?
Zhongyuan Bank Co's current ROA % of 0.22% is 50% below median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 0.88. The Banks industry median ROA % is 1.01. Zhongyuan Bank Co's value of 0.22% is 78.2% below this industry median. Based on the distribution chart, Zhongyuan Bank Co ranks #1351 out of 1527 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Zhongyuan Bank Co ranks #1351 out of 1527 companies for ROA %. This places Zhongyuan Bank Co in the lower half of its industry. The industry median ROA % is 1.01. Zhongyuan Bank Co's value of 0.22% is 78.2% below this benchmark. Historically, Zhongyuan Bank Co's own ROA % has ranged from 0.24 to 0.88 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 1.01, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhongyuan Bank Co's current ROA % of 0.22% is 78.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Zhongyuan Bank Co and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhongyuan Bank Co's current ROA % is 0.22%, which is 50% below median its own 10-year median of 0.44. 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 ROA % of 0.22%. 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 ROA % is 0.22%, which is 50% below median its 10-year median of 0.44 and 78.2% below the Banks industry median of 1.01. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Zhongyuan Bank Co (ZNNGY), the current ROA % is 0.22% 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:
ROA %: 0.22% (50% below median its 10-year median of 0.44)
GF Value™: $3.80 vs. price of $3.11 (18.2% below fair value)
Industry Position: 78.2% below the Banks median (#1351 of 1527)
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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