Civil Bank (XNEP:CBL) GF Score: 25/100 (As of Jul. 26, 2026) — 68% Below Median

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XNEP:CBL Civil Bank Ltd XNEP:CBL
25 GF Score
Price NPR214.00
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What is Civil Bank GF Score?

Civil Bank XNEP:CBL 25 GF Score is 25 as of Jul. 26, 2026, which is 68% below its 10-year median of 77.00. GuruFocus rates XNEP:CBL with a GF Score™ of 25/100.

Civil Bank has the GF Score of 25, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 0/10
2. Profitability Rank : 0/10
3. Growth Rank : 0/10
4. GF Value Rank : 10/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Civil Bank might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Civil Bank  (XNEP:CBL) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Civil Bank GF Score Related Terms

XNEP:CBL vs USB, PNC: GF Score Comparison

For the Banks - Regional subindustry, Civil Bank's GF Score, along with its competitors' market caps and GF Score 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.

Civil Bank GF Score vs Banks Industry

For the Banks industry and Financial Services sector, Civil Bank's GF Score distribution charts can be found below:

* The bar in red indicates where Civil Bank's GF Score falls into.


XNEP:CBL
25GF Score
Civil Bank Ltd XNEP:CBL
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 25 mean?
Civil Bank (XNEP:CBL) has a GF Score of 25 as of Jul. 26, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Civil Bank and its competitors. This is 68% below median its historical median of 77.00. Over the past decade, Civil Bank's GF Score has ranged from 25.00 to 100.00.
Is Civil Bank's GF Score too high?
Civil Bank's current GF Score of 25 is 68% below median its 10-year median of 77.00. Over the past 10 years, this metric has ranged from a low of 25.00 to a high of 100.00. Overall, Civil Bank has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Civil Bank's GF Score compare to USB and PNC?
Civil Bank's GF Score of 25 can be compared against companies in the Banks industry. Historically, Civil Bank's own GF Score has ranged from 25.00 to 100.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Civil Bank and its competitors. Civil Bank's current GF Score is 25, which is 68% below median its own 10-year median of 77.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Civil Bank stock overvalued right now?
Civil Bank (XNEP:CBL) has a current GF Score of 25. The current GF Score is 25, which is 68% below median its 10-year median of 77.00. Civil Bank's overall GF Score™ is 25/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Civil Bank (XNEP:CBL), the current GF Score is 25 as of Jul. 26, 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.

Civil Bank Business Description

Address Civil Trade Center, Sundhara, P.O. Box 9799, Kathmandu, NPL
Civil Bank Ltd is a commercial bank in Nepal. Its business comprises, accepting deposits, granting credit facilities, retail banking, corporate banking, consumer banking, dealing in Government Securities, credit card operations, agency services, trade finance services, investment and treasury operations, card services, e-banking products, remittances, foreign currency operations, and other financial services to its customers through its branches and extension counters and ATMs networks.
25GF Score

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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR214.00
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