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CZBT Stock Chart & Stats
$42.50
$0.00(0.00%)
At close: 4:00 PM EDT
$42.50
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$31.00 - $44.00
Previous CloseN/A
Volume1.00
Average Volume (3M)1.66K
Market Cap
$92.42M
Enterprise Value$80.44
Total Cash (Recent Filing)$8.60M
Total Debt (Recent Filing)$5.42M
Price to Earnings (P/E)8.6
Beta0.08
Next Earnings
Oct 15, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.73%
Share Statistics
EPS (TTM)4.69
Shares Outstanding2,102,846
10 Day Avg. Volume4,885
30 Day Avg. Volume1,658
Financial Highlights & Ratios
PEG Ratio0.58
Price to Book (P/B)0.90
Price to Sales (P/S)2.39
P/FCF Ratio10.33
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue AccelerationA material revenue acceleration culminating in ~46.5% growth in 2025 signals durable expansion in core banking activity (loans, fees). Sustained top-line growth increases net interest income capacity, supports scale economics in operations, and underpins long-term earnings resiliency.
Conservative Leverage And Capital BaseVery low debt-to-equity (~0.10) and growing shareholders’ equity provide balance-sheet resilience, greater loss absorption and capacity to support lending and deposits. This conservative capital posture strengthens long-term stability and optionality for organic growth or strategic actions.
Strong Cash-backed ProfitabilityHigh free cash flow conversion (~92–98%) indicates reported earnings are largely backed by cash, supporting sustainable dividends, internal reinvestment, and loan funding. Reliable cash conversion is a durable indicator of quality earnings and financial flexibility.
Bears Say
Margin Normalization Vs 2022 HighsCompression from 2022 margin peaks suggests earnings are sensitive to net interest spread and funding cost shifts. If spreads narrow or deposit costs rise, sustaining prior margin levels will be challenging, placing pressure on long-run profitability absent offsetting volume or efficiency gains.
Choppy Cash-flow Profile And Low CoverageAlthough conversion is high on average, year-to-year volatility and persistently low coverage ratios create uncertainty in cash available for discretionary uses. This variability can constrain predictable capital allocation, dividend sustainability, and buffers against cyclical stress.
ROE Has Normalized From 2022 HighsDeclining ROE versus 2022 highs indicates that equity growth and balance-sheet expansion have diluted historical return levels. To restore higher shareholder returns, the company must either improve margins or grow income faster than equity, which can be difficult in a low-margin banking environment.
CZBT FAQ
What was Citizens Bancorp of Virginia Inc’s price range in the past 12 months?
Citizens Bancorp of Virginia Inc lowest stock price was $31.00 and its highest was $44.00 in the past 12 months.
What is Citizens Bancorp of Virginia Inc’s market cap?
Citizens Bancorp of Virginia Inc’s market cap is $92.42M.
When is Citizens Bancorp of Virginia Inc’s upcoming earnings report date?
Citizens Bancorp of Virginia Inc’s upcoming earnings report date is Oct 15, 2026 which is in 20 days.
How were Citizens Bancorp of Virginia Inc’s earnings last quarter?
Citizens Bancorp of Virginia Inc released its earnings results on Jul 22, 2026. The company reported $1.53 earnings per share for the quarter.
Is Citizens Bancorp of Virginia Inc overvalued?
According to Wall Street analysts Citizens Bancorp of Virginia Inc’s price is currently Overvalued.
Does Citizens Bancorp of Virginia Inc pay dividends?
Citizens Bancorp of Virginia Inc pays a Quarterly dividend of $0.32 which represents an annual dividend yield of 2.73%. See more information on Citizens Bancorp of Virginia Inc dividends here
What is Citizens Bancorp of Virginia Inc’s EPS estimate?
Citizens Bancorp of Virginia Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Citizens Bancorp of Virginia Inc have?
Citizens Bancorp of Virginia Inc has 2,102,846 shares outstanding.
What happened to Citizens Bancorp of Virginia Inc’s price movement after its last earnings report?
Citizens Bancorp of Virginia Inc reported an EPS of $1.53 in its last earnings report. Following the earnings report the stock price went up 1.587%.
Which hedge fund is a major shareholder of Citizens Bancorp of Virginia Inc?
Currently, no hedge funds are holding shares in CZBT
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Bancorp of Virginia Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
39.42%
12-Months-Change
Fundamentals
Return on Equity
2.73%
Trailing 12-Months
Asset Growth
2.85%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Citizens Bancorp of Virginia Inc
Citizens Bancorp of Virginia, Inc. functions as the parent holding company for Citizens Bank and Trust Company, delivering a comprehensive suite of commercial banking products and financial services to both businesses and individual clients throughout the United States. Its diverse offerings include various deposit accounts, such as checking, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs), alongside providing credit card options. The institution also extends a range of commercial loans, encompassing commercial real estate mortgages, construction financing, small business working capital loans, small business lines of credit, SBA-guaranteed loans, and investment property loans. For individual consumers, Citizens Bank and Trust Company offers personal lending solutions like automobile, signature, boat, and other personal property loans. Additionally, it specializes in extensive real estate financing, covering home equity lines of credit, fixed and adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer initiatives, home improvement loans, bridge loans, new home construction, and commercial construction loans. This also extends to funding for second homes/vacation properties, investment properties, and commercial, industrial, and apartment projects. Beyond core banking, the company provides merchant services, as well as investment and brokerage services. Its operational footprint is primarily within Virginia, serving the counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, and Powhatan, in addition to the cities of Colonial Heights, Richmond, and Petersburg. Founded in 1873, Citizens Bancorp of Virginia, Inc. is headquartered in Blackstone, Virginia.
Technical Analysis
Bank Of The Jame Financial
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Summit State Bank
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United Bancorp
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First US Bancshares
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First Northwest Bancorp
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Ownership Overview
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Insiders
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Mutual Funds
1.36% Other Institutional Investors
98.64% Public Companies and
Individual Investors