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Citizen Bank International (XNEP:CZBIL) 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 (Apr. 2026) net income data. The Revenue data used here is four times the quarterly (Apr. 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.
* 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International'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.
Citizen Bank International ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's ROE % distribution charts can be found below:
* The bar in red indicates where Citizen Bank International'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 (Apr. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Citizen Bank International (XNEP:CZBIL) has a ROE % of 16.24% as of Apr. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Citizen Bank International and its competitors. This is 50% above median its historical median of 10.86. Over the past decade, Citizen Bank International's ROE % has ranged from 6.07 to 24.15. According to the industry distribution chart, Citizen Bank International ranks #1092 out of 1523 companies in the Banks industry, placing it in the top 71.7%.
Is Citizen Bank International's ROE % too high?
Citizen Bank International's current ROE % of 16.24% is 50% above median its 10-year median of 10.86. Over the past 10 years, this metric has ranged from a low of 6.07 to a high of 24.15. The Banks industry median ROE % is 10.33. Citizen Bank International's value of 16.24% is 57.2% above this industry median. Based on the distribution chart, Citizen Bank International ranks #1092 out of 1523 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #1092 out of 1523 companies for ROE %. This places Citizen Bank International in the lower half of its industry. The industry median ROE % is 10.33. Citizen Bank International's value of 16.24% is 57.2% above this benchmark. Historically, Citizen Bank International's own ROE % has ranged from 6.07 to 24.15 over the past decade. While the company's 10-year median is 10.86 vs. the industry median of 10.33, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.33, based on 1,523 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. Citizen Bank International's current ROE % of 16.24% is 57.2% 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 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 Citizen Bank International and its competitors. For the Banks industry, the median ROE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current ROE % is 16.24%, which is 50% above median its own 10-year median of 10.86. 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 ROE % is 16.24%, which is 50% above median its 10-year median of 10.86 and 57.2% above the Banks industry median of 10.33. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Citizen Bank International (XNEP:CZBIL), the current ROE % is 16.24% 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:
ROE %: 16.24% (50% above median its 10-year median of 10.86)
GF Value™: NPR210.67 vs. price of NPR204.90 (2.7% below fair value)
Industry Position: 57.2% above the Banks median (#1092 of 1523)
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
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