Bank of Zhengzhou Co (FRA:3BZ) ROE % Adjusted to Book Value: -17.44% (As of Dec. 2025)


FRA:3BZ Bank of Zhengzhou Co Ltd FRA:3BZ
34 GF Score
Price €0.09
GF Value €0.07
! 6 Warning Signs
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What is Bank of Zhengzhou Co ROE % Adjusted to Book Value?

Bank of Zhengzhou Co FRA:3BZ 34 ROE % Adjusted to Book Value is -17.44% as of Dec. 2025. GuruFocus rates FRA:3BZ with a GF Score™ of 34/100 and a GF Value™ of €0.07. The stock has 6 warning signs investors should review.

Bank of Zhengzhou Co's ROE % for the quarter that ended in Dec. 2025 was -2.79%. Bank of Zhengzhou Co's PB Ratio for the quarter that ended in Dec. 2025 was 0.16. Bank of Zhengzhou Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was -17.44%.


Bank of Zhengzhou Co ROE % Adjusted to Book Value Related Terms


Bank of Zhengzhou Co ROE % Adjusted to Book Value Historical Data

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The historical data trend for Bank of Zhengzhou Co's ROE % Adjusted to Book Value 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.

Bank of Zhengzhou Co ROE % Adjusted to Book Value Chart

Bank of Zhengzhou Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 32.90 31.43 34.90 23.67 20.81

Bank of Zhengzhou Co Quarterly Data
Sep19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Jun25 Sep25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 43.18 -18.27 0.00 25.89 -17.44

Bank of Zhengzhou Co ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Bank of Zhengzhou Co's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Bank of Zhengzhou Co ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Zhengzhou Co's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Bank of Zhengzhou Co's ROE % Adjusted to Book Value falls into.


FRA:3BZ
34GF Score
Bank of Zhengzhou Co Ltd FRA:3BZ
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Zhengzhou Co ROE % Adjusted to Book Value Calculation

Bank of Zhengzhou Co's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=3.33% / 0.16
=20.81%

Bank of Zhengzhou Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-2.79% / 0.16
=-17.44%

* 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.

What does a ROE % Adjusted to Book Value of -17.44% mean?
Bank of Zhengzhou Co (FRA:3BZ) has a ROE % Adjusted to Book Value of -17.44% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of Zhengzhou Co and its competitors.
Is Bank of Zhengzhou Co's ROE % Adjusted to Book Value too high?
Bank of Zhengzhou Co's current ROE % Adjusted to Book Value is -17.44%. Overall, Bank of Zhengzhou Co has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Zhengzhou Co's ROE % Adjusted to Book Value compare to competitors?
Bank of Zhengzhou Co's ROE % Adjusted to Book Value of -17.44% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of Zhengzhou Co and its competitors. Bank of Zhengzhou Co's current ROE % Adjusted to Book Value is -17.44%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Zhengzhou Co stock overvalued right now?
Bank of Zhengzhou Co (FRA:3BZ) has a current ROE % Adjusted to Book Value of -17.44%. The stock's GF Value™ is €0.07, compared to a current price of €0.09 — trading 28.6% above its estimated fair value. The current ROE % Adjusted to Book Value is -17.44%. Bank of Zhengzhou Co's overall GF Score™ is 34/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bank of Zhengzhou Co (FRA:3BZ), the current ROE % Adjusted to Book Value is -17.44% 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 Bank of Zhengzhou Co (FRA:3BZ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Zhengzhou Co stock appears to be overvalued. The current stock price of €0.09 is trading 28.6% above its estimated GF Value™ of €0.07.

Key valuation signals for FRA:3BZ:

  • ROE % Adjusted to Book Value: -17.44%
  • GF Value™: €0.07 vs. price of €0.09 (28.6% above fair value)
  • GF Score™: 34/100 with 6 warning signs

No single metric tells the full story. See the FRA:3BZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank of Zhengzhou Co Business Description

Other Exchanges 06196:Hong Kong002936:China
Address 248 Queen\'s Road East, 40th Floor, Dah Sing Financial Centre, Wang Chai, Hong Kong, HKG
Bank of Zhengzhou Co Ltd lays emphasis on commercial banking operations in China. The bank functions through the corporate, retail and treasury banking divisions. The corporate banking segment is the majority revenue generating segment for the company with a range of financial products and services tailor-made for corporations, government agencies and financial institutions; The retail banking segment provides similar services to individual customers; The treasury operations comprise of including interbank money market transactions, repurchases transactions and investments and Others. The company derives its revenue from the PRC.
34GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.09
Price
€0.07
GF Value