Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Citizen Bank International's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR3,826 Mil.
Citizen Bank International's average Total Assets over the quarter that ended in Apr. 2026 was NPR247,453 Mil. Therefore, Citizen Bank International's annualized ROA % for the quarter that ended in Apr. 2026 was 1.55%.
The historical rank and industry rank for Citizen Bank International's ROA % or its related term are showing as below:
XNEP:CZBIL'
s ROA % Range Over the Past 10 Years
Min: 0.57 Med: 1.27 Max: 2.68
Current: 0.68
During the past 13 years, Citizen Bank International's highest ROA % was 2.68%. The lowest was 0.57%. And the median was 1.27%.
XNEP:CZBIL's ROA % is ranked worse than 69.16% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs XNEP:CZBIL: 0.68
Citizen Bank International (XNEP:CZBIL) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Apr. 2026) net income data. The Revenue data used here is four times the quarterly (Apr. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA % Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's ROA % distribution charts can be found below:
* The bar in red indicates where Citizen Bank International's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Citizen Bank International (XNEP:CZBIL) has a ROA % of 1.55% as of Apr. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 ROA % has ranged from 0.57 to 2.68. According to the industry distribution chart, Citizen Bank International ranks #1056 out of 1527 companies in the Banks industry, placing it in the top 69.2%.
Is Citizen Bank International's ROA % too high?
Citizen Bank International's current ROA % 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 0.57 to a high of 2.68. The Banks industry median ROA % is 1.01. Citizen Bank International's value of 1.55% is 53.5% above this industry median. Based on the distribution chart, Citizen Bank International ranks #1056 out of 1527 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #1056 out of 1527 companies for ROA %. This places Citizen Bank International in the lower half of its industry. The industry median ROA % is 1.01. Citizen Bank International's value of 1.55% is 53.5% above this benchmark. Historically, Citizen Bank International's own ROA % has ranged from 0.57 to 2.68 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 1.01, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizen Bank International's current ROA % of 1.55% is 53.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Citizen Bank International and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current ROA % 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 NPR210.67, compared to a current price of NPR204.90 — trading 2.7% below its estimated fair value. The current ROA % is 1.55%, which is 22% above median its 10-year median of 1.27 and 53.5% above the Banks industry median of 1.01. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current ROA % 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 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:
ROA %: 1.55% (22% above median its 10-year median of 1.27)
GF Value™: NPR210.67 vs. price of NPR204.90 (2.7% below fair value)
Industry Position: 53.5% above the Banks median (#1056 of 1527)
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
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:CZBIL has been successfully added to your 
