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* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Citizen Bank International's PEG Ratio or its related term are showing as below:
XNEP:CZBIL'
s PEG Ratio Range Over the Past 10 Years
Min: 0.64 Med: 1.92 Max: 5.89
Current: 4.47
During the past 13 years, Citizen Bank International's highest PEG Ratio was 5.89. The lowest was 0.64. And the median was 1.92.
XNEP:CZBIL's PEG Ratio is ranked worse than 82.8% of 1227
companies
in the Banks industry
Industry Median: 1.55
vs XNEP:CZBIL: 4.47
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Citizen Bank International (XNEP:CZBIL) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Citizen Bank International PEG Ratio Related Terms
Citizen Bank International PEG 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 PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Citizen Bank International's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Citizen Bank International (XNEP:CZBIL) has a PEG Ratio of 4.47 as of Aug. 14, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Citizen Bank International and its competitors. This is 133% above median its historical median of 1.92. Over the past decade, Citizen Bank International's PEG Ratio has ranged from 0.64 to 5.89. According to the industry distribution chart, Citizen Bank International ranks #1016 out of 1227 companies in the Banks industry, placing it in the top 82.8%.
Is Citizen Bank International's PEG Ratio too high?
Citizen Bank International's current PEG Ratio of 4.47 is 133% above median its 10-year median of 1.92. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 5.89. The Banks industry median PEG Ratio is 1.55. Citizen Bank International's value of 4.47 is 188.4% above this industry median. Based on the distribution chart, Citizen Bank International ranks #1016 out of 1227 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #1016 out of 1227 companies for PEG Ratio. This places Citizen Bank International in the lower half of its industry. The industry median PEG Ratio is 1.55. Citizen Bank International's value of 4.47 is 188.4% above this benchmark. Historically, Citizen Bank International's own PEG Ratio has ranged from 0.64 to 5.89 over the past decade. While the company's 10-year median is 1.92 vs. the industry median of 1.55, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.55, based on 1,227 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizen Bank International's current PEG Ratio of 4.47 is 188.4% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Citizen Bank International and its competitors. For the Banks industry, the median PEG Ratio is 1.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current PEG Ratio is 4.47, which is 133% above median its own 10-year median of 1.92. 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 PEG Ratio is 4.47, which is 133% above median its 10-year median of 1.92 and 188.4% above the Banks industry median of 1.55. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current PEG Ratio is 4.47 as of Aug. 14, 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:
PEG Ratio: 4.47 (133% above median its 10-year median of 1.92)
GF Value™: NPR210.67 vs. price of NPR202.70 (3.8% below fair value)
Industry Position: 188.4% above the Banks median (#1016 of 1227)
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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