China Citic BankCHBJF 44 ROE % is 9.69% as of Mar. 2026, which is 0% above its 10-year median of 9.66. GuruFocus rates CHBJF with a GF Score™ of 44/100 and a GF Value™ of $0.97 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,524 Banks companies, China Citic Bank ranks worse than 61.48% on this metric.
The historical rank and industry rank for China Citic Bank's ROE % or its related term are showing as below:
CHBJF'
s ROE % Range Over the Past 10 Years
Min: 8.64 Med: 9.66 Max: 11.95
Current: 8.64
During the past 13 years, China Citic Bank's highest ROE % was 11.95%. The lowest was 8.64%. And the median was 9.66%.
CHBJF's ROE % is ranked worse than 61.48% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs CHBJF: 8.64
China Citic Bank (OTCPK:CHBJF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
China Citic Bank ROE % Related Terms
China Citic Bank ROE % Historical Data
* Premium members only.
The historical data trend for China Citic Bank's ROE % can be seen below:
* 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.
For the Banks - Regional subindustry, China Citic Bank's ROE %, along with its competitors' market caps and ROE % 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.
China Citic Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, China Citic Bank's ROE % distribution charts can be found below:
* The bar in red indicates where China Citic Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
China Citic Bank (CHBJF) has a ROE % of 9.69% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on China Citic Bank and its competitors. This is near median its historical median of 9.66. Over the past decade, China Citic Bank's ROE % has ranged from 8.64 to 11.95. According to the industry distribution chart, China Citic Bank ranks #937 out of 1524 companies in the Banks industry, placing it in the top 61.5%.
Is China Citic Bank's ROE % too high?
China Citic Bank's current ROE % of 9.69% is near median its 10-year median of 9.66. Over the past 10 years, this metric has ranged from a low of 8.64 to a high of 11.95. The Banks industry median ROE % is 10.22. China Citic Bank's value of 9.69% is 5.2% below this industry median. Based on the distribution chart, China Citic Bank ranks #937 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, China Citic Bank has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, China Citic Bank ranks #937 out of 1524 companies for ROE %. This places China Citic Bank in the lower half of its industry. The industry median ROE % is 10.22. China Citic Bank's value of 9.69% is 5.2% below this benchmark. Historically, China Citic Bank's own ROE % has ranged from 8.64 to 11.95 over the past decade. While the company's 10-year median is 9.66 vs. the industry median of 10.22, China Citic Bank has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Citic Bank's current ROE % of 9.69% is 5.2% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on China Citic Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Citic Bank's current ROE % is 9.69%, which is near median its own 10-year median of 9.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (CHBJF) is currently considered Fairly Valued. The stock's GF Value™ is $0.97, compared to a current price of $0.99 — trading 2% above its estimated fair value. The current ROE % is 9.69%, which is near median its 10-year median of 9.66 and 5.2% below the Banks industry median of 10.22. China Citic Bank's overall GF Score™ is 44/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For China Citic Bank (CHBJF), the current ROE % is 9.69% as of Mar. 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 China Citic Bank (CHBJF) Overvalued in 2026?
Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued.
The current stock price of $0.99 is trading 2% above its estimated GF Value™ of $0.97.
GuruFocus considers China Citic Bank to be Fairly Valued.
Key valuation signals for CHBJF:
ROE %: 9.69% (near median its 10-year median of 9.66)
GF Value™: $0.97 vs. price of $0.99 (2% above fair value)
Industry Position: 5.2% below the Banks median (#937 of 1524)
No single metric tells the full story. See the CHBJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
44GF Score
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