Equity · NEPSE
Citizens Bank International Limited (CZBIL)
Data as of 2026-10-28 · refreshed daily after market close
Price snapshot above. Below: every stock in this sector, valuation context and the forward record of past verdicts. Switch tabs for engine signals, published fundamentals, latest headlines and corporate actions.
About Citizens Bank International Limited
Citizens Bank International Limited (CZBIL) is listed on the Nepal Stock Exchange (NEPSE), in the Banking sector. As of 2026-10-28, CZBIL last traded at Rs 218 (+1.11% on the session), within a 52-week range of Rs 183 – Rs 238.6, on volume of 143,696 shares. Latest published fundamentals (Q4 FY 2082/2083) show paid-up capital of Rs 15.508b, net profit of Rs 2.099b, earnings per share (TTM) of Rs 13.53, a price-to-earnings ratio (TTM) of 15.74x. The Engine Verdict daily reading for CZBIL is Strong Buy (as of 2026-10-28).
- Symbol
- CZBIL
- Company
- Citizens Bank International Limited
- Sector
- Banking
- Instrument type
- Equity
- Last traded price
- Rs 218
- Session change
- +1.11%
- 52-week high
- Rs 238.6
- 52-week low
- Rs 183
- Volume (shares)
- 143,696
- Turnover
- Rs 31,080,618
- Paid-up capital
- Rs 15.508b
- Net profit (latest quarter)
- Rs 2.099b
- EPS (TTM)
- Rs 13.53
- P/E (TTM)
- 15.74x
- Fundamentals period
- Q4 FY 2082/2083
- Price data as of
- 2026-10-28
Stocks in this sector
Every stock in Banking (27), same session data as this page. Day % is the exchange adjusted reference from the live tape. Click a symbol to open its chart.
| Symbol | Company | LTP (Rs) | Day % | Score | Verdict |
|---|---|---|---|---|---|
| HBL | Himalayan Bank Limited | 204.7 | +2.35% | 8.5 | Hold |
| JBBL | Jyoti Bikas Bank Limited | 354.9 | +2.57% | 8.5 | Strong Buy |
| MLBL | Mahalaxmi Bikas Bank Ltd. | 377.2 | +2.28% | 8.5 | Hold |
| KSBBL | Kamana Sewa Bikas Bank Limited | 474 | +0.89% | 7 | Hold |
| SANIMA | Sanima Bank Limited | 409.4 | +4.17% | 7 | Strong Buy |
| KBL | Kumari Bank Limited | 240 | +0.84% | 6 | Strong Buy |
| NIMB | Nepal Investment Mega Bank Limited | 207.4 | +2.02% | 6 | Hold |
| SBI | Nepal SBI Bank Limited | 438 | +2.36% | 6 | Strong Buy |
| MBL | Machhapuchhre Bank Limited | 277 | +0.22% | 5.5 | Hold |
| CZBIL | Citizens Bank International Limited | 218 | +1.11% | 5 | Strong Buy |
| LBBL | Lumbini Bikas Bank Ltd. | 494 | +2.07% | 5 | Hold |
| SBL | Siddhartha Bank Limited | 436 | +1.63% | 5 | Strong Buy |
| EBL | Everest Bank Limited | 721.1 | +0.57% | 4.5 | Buy |
| NMB | NMB Bank Limited | 274 | +0.77% | 4.5 | Hold |
| SCB | Standard Chartered Bank Limited | 680 | +0.74% | 4 | Buy |
| GBIME | Global IME Bank Limited | 255.9 | +1.03% | 3.5 | Buy |
| NBL | Nepal Bank Limited | 306 | +1.19% | 3 | Buy |
| PCBL | Prime Commercial Bank Ltd. | 273.8 | +1.67% | 3 | Buy |
| LSL | Laxmi Sunrise Bank Limited | 273 | +1.49% | 2.5 | Buy |
| NICA | NIC Asia Bank Ltd. | 320 | +1.43% | 2.5 | Hold |
| NABIL | Nabil Bank Limited | 545 | +0.55% | 1.5 | Hold |
| SABBL | Salapa Bikas Bank Limited | 815 | +0.83% | 1 | Hold |
| PRVU | Prabhu Bank Limited | 191.3 | +1.76% | 0 | Hold |
| GBBL | Garima Bikas Bank Limited | 413.2 | +0.63% | -2.5 | Exit / Reduce |
| MNBBL | Muktinath Bikas Bank Ltd. | 340 | +0.29% | -3 | Exit / Reduce |
| GMFIL | Guheshowori Merchant Bank & Finance Co. Ltd. | 418.1 | +2.22% | -4 | Exit / Reduce |
| SINDU | Sindhu Bikash Bank Ltd | 403 | +0.2% | -5.5 | Strong Exit |
Valuation context
Value score 80 of 100 — ranks this company within its own sector only: 50% earnings-yield rank (higher yield = cheaper) + 50% price-to-book rank (lower = cheaper). Quality gate: positive TTM EPS and positive net worth. This is a screening starting point for research — not a fair value and not a price target.
EPS (TTM): Rs 13.53 · Book value per share: Rs 160.51 · ROE (TTM): 8.43%.
Forward record: what happened after past verdicts
Each past verdict below is bucketed by the next closed session’s return (close-to-close, same history series). A SELL-side verdict followed by a green next session is flagged Bounce-back watch — the failure pattern the learning loop watches. Returns are raw closes, not adjusted for bonus/right actions inside the window. Engine rules are not changed here; cases are recorded for that loop.
| Session | Verdict | Score | Buy streak | Close (Rs) | Next session | Next return | Outcome |
|---|---|---|---|---|---|---|---|
| 2026-10-28 | Strong Buy | 5 | 4 | 218 | — | – | Outcome pending |
| 2026-10-27 | Strong Buy | 5 | 3 | 215.6 | 2026-10-28 | +1.11% | Followed up |
| 2026-10-26 | Strong Buy | 6 | 2 | 218.8 | 2026-10-27 | -1.46% | Faded |
| 2026-10-16 | Strong Buy | 6 | 1 | 220 | 2026-10-26 | -0.55% | Faded |
Summary: 1 followed up · 2 faded · 0 followed down · 0 bounce-back watch · 0 no directional call · 1 pending.
Period returns
Bonus/right-adjusted price returns from Nepse Decode's own OHLC archive. Latest close 2026-10-28 · Rs 218. Verified history starts 2026-07-15; longer periods show as unavailable until that history exists. Adjusted for: 3.8% bonus (ex-date 2026-10-05). Cash dividends are not reinvested, so these are bonus/right-adjusted price returns, not total returns.
Shareholding
Listed total from Nepse Decode's own archive (data as of 2026-10-28). The promoter/public split is not shown: it is not independently verified on file, so it is withheld rather than estimated.
Engine Verdict signals
Transparent rule-based readings, one per timeframe. A daily Buy can be weak while the weekly read is stronger; each pill names its own timeframe and data date.
Valuation lab · Banking
Profit lines show implied standalone quarters (published cumulative minus the prior quarter). P/E is a point-in-time peer ranking, never a historical trend. Every figure is from published quarterly filings — nothing estimated.
Fundamentals
Latest published quarter: Q4 FY 2082/2083 · figures as published, not estimates
Valuation
Quarterly snapshot
Quarterly trend
Published quarterly figures · latest 12 quarters. QoQ compares with the previous quarter; YoY with the same quarter last fiscal year.
| Metric | QoQ | YoY | Q4 82/83 | Q3 82/83 | Q2 82/83 | Q1 82/83 | Q4 81/82 | Q3 81/82 | Q2 81/82 | Q1 81/82 | Q4 80/81 | Q3 80/81 | Q2 80/81 | Q1 80/81 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit & Loss (standalone quarter) | ||||||||||||||
| Revenue | +5.3% | -10.5% | Rs 3.74b | Rs 3.55b | Rs 3.66b | Rs 4.07b | Rs 4.18b | Rs 4.24b | Rs 4.32b | Rs 4.57b | Rs 4.75b | Rs 4.81b | Rs 4.93b | Rs 5.19b |
| Gross profit | +5.2% | -0.1% | Rs 1.61b | Rs 1.53b | Rs 1.48b | Rs 1.67b | Rs 1.62b | Rs 1.67b | Rs 1.58b | Rs 1.50b | Rs 1.43b | Rs 1.42b | Rs 1.39b | Rs 1.45b |
| Operating profit | +30.3% | +162.8% | Rs 1.75b | Rs 1.35b | Rs 876.0m | Rs -371.9m | Rs 666.9m | Rs 422.7m | Rs 628.4m | Rs 283.0m | Rs 216.0m | Rs 775.3m | Rs 518.6m | Rs 567.9m |
| Net profit | -16.4% | +139.0% | Rs 792.1m | Rs 947.6m | Rs 579.3m | Rs -220.4m | Rs 331.4m | Rs 300.1m | Rs 463.6m | Rs 198.2m | Rs 131.0m | Rs 428.6m | Rs 380.3m | Rs 402.5m |
| Distributable profit | +72.4% | +67.7% | Rs 1.03b | Rs 596.0m | Rs -685.7m | Rs -414.8m | Rs 612.8m | Rs 4.4m | Rs -520.3m | Rs 678.5m | Rs 597.2m | Rs 232.0m | Rs 18.7m | Rs -231.8m |
| Balance Sheet (point-in-time) | ||||||||||||||
| Paid-up capital | 0.0% | +5.0% | Rs 15.51b | Rs 15.51b | Rs 15.51b | Rs 14.77b | Rs 14.77b | Rs 14.77b | Rs 14.77b | Rs 14.20b | Rs 14.20b | Rs 14.20b | Rs 14.20b | Rs 14.20b |
| Reserves & surplus | +8.1% | +14.7% | Rs 9.38b | Rs 8.68b | Rs 7.72b | Rs 7.87b | Rs 8.18b | Rs 7.79b | Rs 7.44b | Rs 7.61b | Rs 7.36b | Rs 7.10b | Rs 6.56b | Rs 6.22b |
| Deposits | +8.6% | +9.6% | Rs 231.73b | Rs 213.47b | Rs 210.22b | Rs 212.68b | Rs 211.50b | Rs 198.95b | Rs 193.82b | Rs 191.90b | Rs 189.22b | Rs 182.50b | Rs 175.81b | Rs 172.45b |
| Loans & advances | +0.3% | +0.7% | Rs 171.32b | Rs 170.82b | Rs 168.82b | Rs 169.60b | Rs 170.21b | Rs 169.10b | Rs 162.96b | Rs 158.08b | Rs 155.15b | Rs 154.40b | Rs 150.55b | Rs 144.60b |
| Total assets | +8.1% | +9.5% | Rs 268.69b | Rs 248.59b | Rs 245.65b | Rs 246.35b | Rs 245.38b | Rs 235.91b | Rs 227.95b | Rs 225.13b | Rs 222.59b | Rs 218.64b | Rs 214.68b | Rs 204.29b |
| Total liabilities | +8.6% | +9.6% | Rs 243.79b | Rs 224.40b | Rs 222.42b | Rs 223.71b | Rs 222.42b | Rs 213.35b | Rs 205.74b | Rs 203.31b | Rs 201.03b | Rs 197.34b | Rs 193.92b | Rs 183.87b |
| Key ratios | ||||||||||||||
| EPS (TTM) | +28.1% | +54.5% | Rs 13.53 | Rs 10.56 | Rs 6.39 | Rs 5.92 | Rs 8.76 | Rs 7.40 | Rs 8.27 | Rs 8.02 | Rs 9.45 | Rs 15.42 | Rs 15.18 | Rs 14.90 |
| EPS (annualized) | +20.5% | +54.5% | Rs 13.53 | Rs 11.23 | Rs 4.63 | Rs -5.97 | Rs 8.76 | Rs 8.68 | Rs 8.96 | Rs 5.58 | Rs 9.45 | Rs 11.37 | Rs 11.02 | Rs 11.34 |
| P/E (TTM) | 0.0% | -0.1% | 15.74× | 15.74× | 15.76× | 15.74× | 15.76× | 15.68× | 15.68× | 15.68× | 15.68× | 15.68× | 15.68× | 15.71× |
| NPL ratio | -13.8% | +19.0% | 5.88% | 6.82% | 6.86% | 6.84% | 4.94% | 5.71% | 4.85% | 5.41% | 4.07% | 3.76% | 4.07% | 3.97% |
| Credit/deposit ratio | -7.9% | -7.6% | 75.72% | 82.18% | 82.66% | 81.90% | 81.91% | 85.90% | 84.46% | 83.00% | 81.84% | 84.21% | 84.54% | 82.70% |
| Interest rate spread | -2.0% | -4.4% | 3.48% | 3.55% | 3.69% | 3.79% | 3.64% | 3.83% | 3.97% | 3.96% | 3.99% | 4.00% | 4.00% | 3.87% |
Profit figures are published cumulative for the fiscal year; the quarterly profit row shows the implied standalone quarter (this quarter minus the prior quarter). P/E is not shown as a trend: the screener prices every historical quarter at today’s price, so a historical P/E would be misleading. – means not published.
Sector peers · Banking
Same-sector equities by engine score. P/E and EPS show published quarterly figures where available; – means not yet published.
| Symbol | Price (Rs) | Session | P/E (TTM) | EPS (TTM) |
|---|---|---|---|---|
| HBL | 204.7 | +2.35% | 29.27x | Rs 6.56 |
| JBBL | 354.9 | +2.57% | 15.21x | Rs 22.88 |
| MLBL | 377.2 | +2.28% | 25.5x | Rs 13.96 |
| KSBBL | 474 | +0.89% | 20.99x | Rs 21.23 |
| SANIMA | 409.4 | +4.17% | 15.9x | Rs 22.78 |
| KBL | 240 | +0.84% | 7.91x | Rs 28.17 |
| NIMB | 207.4 | +2.02% | 23.79x | Rs 8.05 |
| SBI | 438 | +2.36% | 22.21x | Rs 18.04 |
| MBL | 277 | +0.22% | 17.7x | Rs 14.01 |
Figures from the same data date as this page. Educational comparison only, not investment advice.
Latest headlines
Feed as of 2026-10-29 (500 items). Only headlines tagged with this symbol appear here — general market news is never shown as if it were about this symbol.
No recent headlines mention CZBIL in the tracked press.
The feed itself is current (as of 2026-10-29) — this symbol simply has no tagged headlines in it yet.
Corporate actions
Past dividends, bonus shares, right shares, auctions and AGM history.
Investment Calendar
Citizens Bank International Limited| Bonus % | Cash % | Total | Book Close Date | Fiscal Year | Status |
|---|---|---|---|---|---|
| 3.8 % | 0.2 % | 4 % | 2026-10-05 | 2082/2083 | |
| 5 % | 0.263 % | 5.263 % | 2025-11-03 | 2081/2082 | |
| 4 % | 0.21 % | 4.21 % | 2024-10-15 | 2080/2081 | |
| – | 5.79 % | 5.79 % | 2023-10-02 | 2079/2080 | |
| 0 % | 9 % | 9 % | 2022-10-14 | 2078/2079 | |
| 12.913 % | 3.087 % | 16 % | 2021-10-08 | 2077/2078 | |
| 8 % | 3 % | 11 % | 2020-11-26 | 2076/2077 | |
| 3 % | 12 % | 15 % | 2019-09-17 | 2075/2076 | |
| 3.628 % | 1.635 % | 5.263 % | 2019-01-01 | 2074/2075 | |
| 16 % | 1 % | 17 % | 2017-08-28 | 2073/2074 | |
| 15.8 % | 0.83 % | 16.63 % | 2016-09-22 | 2072/2073 | |
| 20 % | 1.05 % | 21.05 % | 2015-09-28 | 2071/2072 | |
| 13 % | 5.95 % | 18.95 % | 2014-09-14 | 2070/2071 | |
| 0 % | 15 % | 15 % | 2013-09-20 | 2069/2070 | |
| 0 % | 8.42 % | 8.42 % | 2012-09-20 | 2068/2069 | |
| 5 % | 5.53 % | 10.53 % | 2011-09-29 | 2067/2068 |
| AGM | Meeting Date | Book Close | Venue |
|---|---|---|---|
| 20th AGM | 2026-10-14 | 2026-10-05 | Amritbhog, Kalikasthan, Dillibazar, Kathmandu (11:00 AM) (Attendance Book will b |
| 8th SGM | 2026-06-17 | 2026-06-09 | Bank's Head Office Building, Narayanhiti Path, Durbarmarg, Kathmandu or Virtual |
| 19th AGM | 2025-11-28 | – | Anupam Foodland and Banquet, Battisputali, Kathmandu (11:00 AM) |
| 18th AGM | 2024-10-28 | 2024-10-15 | Amritbhog, Kalikasthan, Dillibazar, Kathmandu (9:00 AM) |
| 17th AGM | 2023-10-13 | 2023-10-02 | Amritbhog, Kalikasthan, Dillibazar, Kathmandu (11:00 AM) |
| 16th AGM | 2022-10-21 | 2022-10-14 | Amritbhog, Kalikasthan, Kathmandu (11:00 AM) |
| 15th AGM | 2021-11-02 | 2021-10-08 | Head Office, Durbar Marg, Kathmandu (4:00 PM) |
| 7th SGM | 2021-06-10 | 2021-06-04 | Head Office,Durbarmarg,Kathmandu (9:00 AM) |
| 6th SGM | 2021-01-28 | 2021-01-15 | Company Office, Narayanhiti Path, Durbar Marg, Kathmandu (11:00 AM) |
| 14th | 2020-12-05 | 2020-11-26 | Headoffice, Citizens Bank International Ltd, Narayanhiti path, Kathmandu (11:00 |
| 5th SGM | 2020-06-09 | 2020-03-16 | Citizens Bank International Limited, Narayanhiti Path, Kathmandu (11:00 AM) |
| 13th | 2019-09-27 | 2019-09-17 | Amritbhog, Kalikasthan, Dillibazar, Kathmandu (9:00 AM) |
| 12th | 2019-01-14 | 2019-01-01 | Lainchour Banquet, Lainchour, Kathmandu (11:00 AM) |
| 11th | 2017-09-25 | 2017-08-28 | Amritbhog Kalikasthan, Dillibazar, Kathmandu (11:00 AM) |
| 10th | 2016-10-02 | 2016-09-22 | Thapagaun Banquets, Thapagaun, New Baneshwor, Kathmandu (11:00 AM) |
| 9th | 2015-10-15 | 2015-09-28 | Amrit Bhog, Kalikasthan, Dillibazar, Kathmandu (11:00 AM) |
| Special | 2015-02-13 | 2015-02-02 | Amrit Bhog, Kalikasthan, Dillibazar, Kathmandu (1:00 AM) |
| 8th | 2014-10-01 | 2014-09-14 | Amrit Bhog, Kalikasthan, Dillibazar, Kathmandu (8:00 AM) |
| special | 2014-06-23 | 2014-06-13 | Amrit Bhog, Kalikasthan, Dillibazar, Kathmandu (11:00 AM) |
| 7th | 2013-10-08 | 2013-09-20 | Amrit Bhog Complex, Kalikasthan, Dillibazar, Kathmandu (11:00 AM) |
| 6th | 2012-10-02 | 2012-09-20 | Amrit Bhog Complex, Kalikasthan, Dillibazar, Ktm (11:00 AM) |
| 5<sup>th</sup> | 2011-10-16 | 2011-09-29 | Nepal Academy, Kamaladi, KTM (11:AM) |
| Ratio | Units | Price (Rs) |
|---|---|---|
| 10:2.5 | 13,843,379 | 100.00 |
| 10:5.50 | 16,858,786 | 100.00 |
| Type | Units | Opened | Closed |
|---|---|---|---|
| Promoter Share | 266,999.00 | 2022-06-16 | 2022-06-30 |
| Promoter Share | 199,313.00 | 2017-06-28 | 2017-07-05 |
| Ordinary Share | 420,490.00 | 2017-06-28 | 2017-07-05 |
| Promoter Share | 77,676.00 | 2016-09-08 | 2016-09-15 |
| Ordinary Share | 628,041.00 | 2016-09-08 | 2016-09-15 |
Educational use only, not investment advice. Signals are mechanical readings of past prices; past patterns do not guarantee future results.