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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Citizen Bank International's annualized net income for the quarter that ended in Apr. 2026 was NPR3,826 Mil. Citizen Bank International's average shareholder tangible equity for the quarter that ended in Apr. 2026 was NPR23,385 Mil. Therefore, Citizen Bank International's annualized Return-on-Tangible-Equity for the quarter that ended in Apr. 2026 was 16.36%.
The historical rank and industry rank for Citizen Bank International's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:CZBIL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.12 Med: 10.93 Max: 24.15
Current: 7.31
During the past 13 years, Citizen Bank International's highest Return-on-Tangible-Equity was 24.15%. The lowest was 6.12%. And the median was 10.93%.
XNEP:CZBIL's Return-on-Tangible-Equity is ranked worse than 73.24% of 1521
companies
in the Banks industry
Industry Median: 11.38
vs XNEP:CZBIL: 7.31
Citizen Bank International (XNEP:CZBIL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Citizen Bank International Return-on-Tangible-Equity Related Terms
Citizen Bank International Return-on-Tangible-Equity 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-Equity Chart
Citizen Bank International Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Citizen Bank International's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.36% mean?
Citizen Bank International (XNEP:CZBIL) has a Return-on-Tangible-Equity of 16.36% as of Apr. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizen Bank International and its competitors. This is 50% above median its historical median of 10.93. Over the past decade, Citizen Bank International's Return-on-Tangible-Equity has ranged from 6.12 to 24.15. According to the industry distribution chart, Citizen Bank International ranks #1114 out of 1521 companies in the Banks industry, placing it in the top 73.2%.
Is Citizen Bank International's Return-on-Tangible-Equity too high?
Citizen Bank International's current Return-on-Tangible-Equity of 16.36% is 50% above median its 10-year median of 10.93. Over the past 10 years, this metric has ranged from a low of 6.12 to a high of 24.15. The Banks industry median Return-on-Tangible-Equity is 11.38. Citizen Bank International's value of 16.36% is 43.8% above this industry median. Based on the distribution chart, Citizen Bank International ranks #1114 out of 1521 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 Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #1114 out of 1521 companies for Return-on-Tangible-Equity. This places Citizen Bank International in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Citizen Bank International's value of 16.36% is 43.8% above this benchmark. Historically, Citizen Bank International's own Return-on-Tangible-Equity has ranged from 6.12 to 24.15 over the past decade. While the company's 10-year median is 10.93 vs. the industry median of 11.38, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 16.36% is 43.8% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizen Bank International and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — 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-Equity is 16.36%, which is 50% above median its own 10-year median of 10.93. 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 Return-on-Tangible-Equity is 16.36%, which is 50% above median its 10-year median of 10.93 and 43.8% above the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current Return-on-Tangible-Equity is 16.36% 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:
Return-on-Tangible-Equity: 16.36% (50% above median its 10-year median of 10.93)
GF Value™: NPR210.67 vs. price of NPR204.90 (2.7% below fair value)
Industry Position: 43.8% above the Banks median (#1114 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.
66GF Score
Get the complete analysis for XNEP:CZBIL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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