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Citizen Bank International Ltd stock PB Ratio (=1.3) is close to 2-year low of 1.26.
The historical rank and industry rank for Citizen Bank International's PB Ratio or its related term are showing as below:
XNEP:CZBIL'
s PB Ratio Range Over the Past 10 Years
Min: 1.04 Med: 1.5 Max: 4.4
Current: 1.32
During the past 13 years, Citizen Bank International's highest PB Ratio was 4.40. The lowest was 1.04. And the median was 1.50.
XNEP:CZBIL's PB Ratio is ranked worse than 65.94% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs XNEP:CZBIL: 1.32
During the past 3 years, the average Book Value Per Share Growth Rate was 3.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Citizen Bank International was 22.50% per year. The lowest was -4.70% per year. And the median was 6.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Citizen Bank International PB Ratio Related Terms
Citizen Bank International PB Ratio Historical 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.
Citizen Bank International PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's PB Ratio distribution charts can be found below:
* The bar in red indicates where Citizen Bank International's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Citizen Bank International (XNEP:CZBIL) has a PB Ratio of 1.31 as of Aug. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Citizen Bank International and its competitors. This is 13% below median its historical median of 1.50. Over the past decade, Citizen Bank International's PB Ratio has ranged from 1.04 to 4.40. According to the industry distribution chart, Citizen Bank International ranks #997 out of 1512 companies in the Banks industry, placing it in the top 65.9%.
Is Citizen Bank International's PB Ratio too high?
Citizen Bank International's current PB Ratio of 1.31 is 13% below median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 1.04 to a high of 4.40. The Banks industry median PB Ratio is 1.12. Citizen Bank International's value of 1.31 is 17% above this industry median. Based on the distribution chart, Citizen Bank International ranks #997 out of 1512 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #997 out of 1512 companies for PB Ratio. This places Citizen Bank International in the lower half of its industry. The industry median PB Ratio is 1.12. Citizen Bank International's value of 1.31 is 17% above this benchmark. Historically, Citizen Bank International's own PB Ratio has ranged from 1.04 to 4.40 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 1.12, Citizen Bank International has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,512 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizen Bank International's current PB Ratio of 1.31 is 17% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Citizen Bank International and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current PB Ratio is 1.31, which is 13% below median its own 10-year median of 1.50. 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 NPR202.70 — trading 3.8% below its estimated fair value. The current PB Ratio is 1.31, which is 13% below median its 10-year median of 1.50 and 17% above the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current PB Ratio is 1.31 as of Aug. 15, 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 NPR202.70 is trading 3.8% below its estimated GF Value™ of NPR210.67.
GuruFocus considers Citizen Bank International to be Fairly Valued.
Key valuation signals for XNEP:CZBIL:
PB Ratio: 1.31 (13% below median its 10-year median of 1.50)
GF Value™: NPR210.67 vs. price of NPR202.70 (3.8% below fair value)
Industry Position: 17% above the Banks median (#997 of 1512)
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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