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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Citizen Bank International's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR3,826 Mil. Citizen Bank International's average total tangible assets for the quarter that ended in Apr. 2026 was NPR247,281 Mil. Therefore, Citizen Bank International's annualized Return-on-Tangible-Asset for the quarter that ended in Apr. 2026 was 1.55%.
The historical rank and industry rank for Citizen Bank International's Return-on-Tangible-Asset or its related term are showing as below:
XNEP:CZBIL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.58 Med: 1.27 Max: 2.68
Current: 0.68
During the past 13 years, Citizen Bank International's highest Return-on-Tangible-Asset was 2.68%. The lowest was 0.58%. And the median was 1.27%.
XNEP:CZBIL's Return-on-Tangible-Asset is ranked worse than 69.23% of 1521
companies
in the Banks industry
Industry Median: 1.03
vs XNEP:CZBIL: 0.68
Citizen Bank International (XNEP:CZBIL) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Citizen Bank International Return-on-Tangible-Asset Related Terms
Citizen Bank International Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Citizen Bank International Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Citizen Bank International's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Apr. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.55% mean?
Citizen Bank International (XNEP:CZBIL) has a Return-on-Tangible-Asset of 1.55% as of Apr. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizen Bank International and its competitors. This is 22% above median its historical median of 1.27. Over the past decade, Citizen Bank International's Return-on-Tangible-Asset has ranged from 0.58 to 2.68. According to the industry distribution chart, Citizen Bank International ranks #1053 out of 1521 companies in the Banks industry, placing it in the top 69.2%.
Is Citizen Bank International's Return-on-Tangible-Asset too high?
Citizen Bank International's current Return-on-Tangible-Asset of 1.55% is 22% above median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 2.68. The Banks industry median Return-on-Tangible-Asset is 1.03. Citizen Bank International's value of 1.55% is 50.5% above this industry median. Based on the distribution chart, Citizen Bank International ranks #1053 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, Citizen Bank International has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizen Bank International's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #1053 out of 1521 companies for Return-on-Tangible-Asset. This places Citizen Bank International in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Citizen Bank International's value of 1.55% is 50.5% above this benchmark. Historically, Citizen Bank International's own Return-on-Tangible-Asset has ranged from 0.58 to 2.68 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 1.03, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizen Bank International's current Return-on-Tangible-Asset of 1.55% is 50.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizen Bank International and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current Return-on-Tangible-Asset is 1.55%, which is 22% above median its own 10-year median of 1.27. 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 NPR212.12, compared to a current price of NPR199.50 — trading 5.9% below its estimated fair value. The current Return-on-Tangible-Asset is 1.55%, which is 22% above median its 10-year median of 1.27 and 50.5% above the Banks industry median of 1.03. Citizen Bank International's overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current Return-on-Tangible-Asset is 1.55% 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 NPR199.50 is trading 5.9% below its estimated GF Value™ of NPR212.12.
GuruFocus considers Citizen Bank International to be Fairly Valued.
Key valuation signals for XNEP:CZBIL:
Return-on-Tangible-Asset: 1.55% (22% above median its 10-year median of 1.27)
GF Value™: NPR212.12 vs. price of NPR199.50 (5.9% below fair value)
Industry Position: 50.5% above the Banks median (#1053 of 1521)
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.
68GF Score
Get the complete analysis for XNEP:CZBIL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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