Citizen Bank International (XNEP:CZBIL) Altman Z2-Score

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
66 GF Score
Price NPR204.90
GF Value NPR210.67
Valuation Fairly Valued
! 1 Warning Sign
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What is Citizen Bank International Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

XNEP:CZBIL
66GF Score
Citizen Bank International Ltd XNEP:CZBIL
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Altman Z2-Score:
  • GF Value™: NPR210.67 vs. price of NPR204.90 (2.7% below fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for XNEP:CZBIL

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR204.90
Price
NPR210.67
GF Value