Bank of Jinzhou Co.

0416.HK

Banks - Regional · Financial Services

Price

HK$1.38

+0.00 (+0.00%)

Market Cap

HK$19.29B

Exchange

Hong Kong Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 9, 2026 · filings through Jun 30, 2022

Share count rising — dilution

+106.2% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 6.78B (2017) → 13.98B (2021)

Bank of Jinzhou Co., Ltd. is a regional commercial bank based in Jinzhou, a city in Liaoning Province, northeastern China. It offers everyday banking services like savings accounts, loans, and wealth management products to individual customers and small-to-medium businesses in the region. The bank is listed on the Hong Kong Stock Exchange and operates primarily within China's northeastern rust belt.

The bank earns money mainly through the difference between interest it charges on loans and interest it pays on deposits — called net interest income. It also collects fees from financial services and wealth products. Bank of Jinzhou is a relatively small bank by Chinese standards and faced serious financial difficulties around 2019, requiring a government-backed rescue by state-owned investors. The key ongoing risk is its exposure to a region with slow economic growth and a shrinking population, which limits loan demand and raises the chance of borrowers defaulting.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+259.0% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+521.6% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Research and development spending

Cash Position

Cash flow positive

$220.7B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Bank of Jinzhou Co. grew revenue 259% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

0.0%

Thin — 0.0% operating margin

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+161.1%

Fast-growing sales (+161.1% YoY)

EPS YoY

+130.2%

Earnings growing fast (+130.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Cash Conversion

8915%

Turns 8915% of profit into real cash

FCF Margin

112.5%

Converts sales into free cash efficiently (112.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.53

Conservative — low debt load (0.53)

Interest Cover

0.06x

Dangerous — barely covers interest (0.1x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

51.7x

Expensive — P/E 51.7

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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