Citizen Bank International (XNEP:CZBIL) ROC (Joel Greenblatt) %: % (As of Apr. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XNEP:CZBIL Citizen Bank International Ltd XNEP:CZBIL
68 GF Score
Price NPR199.50
GF Value NPR212.12
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Citizen Bank International ROC (Joel Greenblatt) %?

Citizen Bank International XNEP:CZBIL +0.35% 68 ROC (Joel Greenblatt) % is % as of Apr. 2026. GuruFocus rates XNEP:CZBIL with a GF Score™ of 68/100 and a GF Value™ of NPR212.12 (Fairly Valued). The stock has 1 warning sign investors should review. Among 48 Banks companies, Citizen Bank International ranks worse than 2083331.25% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

XNEP:CZBIL
68GF Score
Citizen Bank International Ltd XNEP:CZBIL
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Citizen Bank International (XNEP:CZBIL) has a ROC (Joel Greenblatt) % of % as of Apr. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizen Bank International and its competitors. According to the industry distribution chart, Citizen Bank International ranks #999999 out of 48 companies in the Banks industry.
Is Citizen Bank International's ROC (Joel Greenblatt) % too high?
Citizen Bank International's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Citizen Bank International ranks #999999 out of 48 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #999999 out of 48 companies for ROC (Joel Greenblatt) %. This places Citizen Bank International in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 51.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 51.60, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizen Bank International and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: NPR212.12 vs. price of NPR199.50 (5.9% below fair value)
  • GF Score™: 68/100 with 1 warning sign

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 Business Description

Address Narayanhiti Path, P.O.BOX: 19681, Kathmandu, NPL
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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR199.50
Price
NPR212.12
GF Value