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* 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.
Citizen Bank International FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International's FCF Margin %, along with its competitors' market caps and FCF 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.
Citizen Bank International FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizen Bank International's FCF 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.
Citizen Bank International (XNEP:CZBIL) has a FCF Margin % of 7.39% as of Apr. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizen Bank International and its competitors. This is 84% below median its historical median of 47.58. According to the industry distribution chart, Citizen Bank International ranks #1041 out of 1500 companies in the Banks industry, placing it in the top 69.4%.
Is Citizen Bank International's FCF Margin % too high?
Citizen Bank International's current FCF Margin % of 7.39% is 84% below median its 10-year median of 47.58. The Banks industry median FCF Margin % is 26.70. Citizen Bank International's value of 7.39% is 72.3% below this industry median. Based on the distribution chart, Citizen Bank International ranks #1041 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, Citizen Bank International has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizen Bank International's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #1041 out of 1500 companies for FCF Margin %. This places Citizen Bank International in the lower half of its industry. The industry median FCF Margin % is 26.70. Citizen Bank International's value of 7.39% is 72.3% below this benchmark. While the company's 10-year median is 47.58 vs. the industry median of 26.70, Citizen Bank International 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.70, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizen Bank International's current FCF Margin % of 7.39% is 72.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizen Bank International and its competitors. For the Banks industry, the median FCF Margin % is 26.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current FCF Margin % is 7.39%, which is 84% below median its own 10-year median of 47.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizen Bank International stock overvalued right now?
Based on GuruFocus' analysis, Citizen Bank International (XNEP:CZBIL) is currently considered Fairly Valued. The stock's GF Value™ is NPR210.67, compared to a current price of NPR204.90 — trading 2.7% below its estimated fair value. The current FCF Margin % is 7.39%, which is 84% below median its 10-year median of 47.58 and 72.3% below the Banks industry median of 26.70. Citizen Bank International's overall GF Score™ is 66/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current FCF Margin % is 7.39% as of Apr. 2026. 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 Citizen Bank International (XNEP:CZBIL) Overvalued in 2026?
Based on GuruFocus' analysis, Citizen Bank International stock appears to be undervalued.
The current stock price of NPR204.90 is trading 2.7% below its estimated GF Value™ of NPR210.67.
GuruFocus considers Citizen Bank International to be Fairly Valued.
Key valuation signals for XNEP:CZBIL:
FCF Margin %: 7.39% (84% below median its 10-year median of 47.58)
GF Value™: NPR210.67 vs. price of NPR204.90 (2.7% below fair value)
Industry Position: 72.3% below the Banks median (#1041 of 1500)
No single metric tells the full story. See the XNEP:CZBIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizen Bank International Ltd operates as a commercial bank. The company provides commercial banking services including agency services, trade finance services, e-commerce services, and trading of gold and silver. Its products include Online Products; Deposits; loans; Cards; and remittances. The operating segments of the group are Banking; Treasury; Cards; and Remittance, of which a majority of revenue is derived from Banking which comprises the product and service of loans and deposits, and generates revenue from interest on a loan.
66GF Score
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