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Citizens Bancorp of Virginia (CZBT) Stock Price & Analysis

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CZBT Stock Chart & Stats

$43.50$0.00(0.00%)
At close: 4:00 PM EST
$43$43.5$44Aug 27Sep 18Oct 1Oct 22Nov 10
Day’s Range
$43.50 - $43.50
52-Week Range
$32.01 - $44.00
Previous Close
$43.50
Volume
N/A
Average Volume (3M)
169
Market Cap
$92.00M
Enterprise Value
$84.78M
Total Cash (Recent Filing)
$8.60M
Total Debt (Recent Filing)
$5.42M
Price to Earnings (P/E)
8.4
Beta
0.06
Next Earnings
Feb 02, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Oct 01, 2026
Dividend Yield
2.78%

Bulls Say, Bears Say

Bulls Say

Accelerating Revenue Growth

The sharp 2025 revenue increase shows meaningful expansion in the bank’s top line and strengthens its earnings base. If maintained over the next several quarters, this growth can support greater operating scale, reinforce the franchise, and provide resources for continued lending and customer development.

Strong, Consistent Profitability

Sustained high net and operating margins indicate that Citizens Bank is converting revenue into substantial earnings across multiple periods. This profitability provides internal capital generation, supports resilience against moderate cost pressure, and helps fund future growth without relying solely on external financing.

Conservative Leverage

Low and improving leverage gives the company a stronger balance-sheet foundation than a more heavily indebted institution would have. This supports financial flexibility, reduces pressure from debt servicing, and leaves greater capacity to absorb operating volatility while continuing to invest in the banking franchise.

Bears Say

Margin Compression

Although profitability remains strong, the decline from 2022 peak margins indicates that earnings are not fully insulated from spread or expense pressure. Continued compression would reduce the amount of each revenue dollar converted into profit and could moderate earnings growth even if revenue remains healthy.

Variable Free Cash Flow

Year-to-year swings in free cash flow make internally generated liquidity less predictable than the income statement alone suggests. Greater variability can complicate capital planning, dividend decisions, and reinvestment timing, particularly if operating conditions weaken during a lower-cash-flow period.

Lower Normalized ROE

The normalization of return on equity suggests that recent balance-sheet growth has not produced the same efficiency as in 2022. If returns remain below prior highs, shareholder value creation and the pace of internally funded expansion may be more limited despite the company’s solid absolute profitability.

CZBT FAQ

What was Citizens Bancorp of Virginia’s price range in the past 12 months?
Citizens Bancorp of Virginia lowest stock price was $32.01 and its highest was $44.00 in the past 12 months.
What is Citizens Bancorp of Virginia’s market cap?
Citizens Bancorp of Virginia’s market cap is $92.00M.
When is Citizens Bancorp of Virginia’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Citizens Bancorp of Virginia’s earnings last quarter?
Citizens Bancorp of Virginia released its earnings results on Oct 15, 2026. The company reported $1.381 earnings per share for the quarter.
Is Citizens Bancorp of Virginia overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Citizens Bancorp of Virginia pay dividends?
Citizens Bancorp of Virginia pays a quarterly dividend of $0.32 which represents an annual dividend yield of 2.78%. See more information on Citizens Bancorp of Virginia dividends here
What is Citizens Bancorp of Virginia’s EPS estimate?
Citizens Bancorp of Virginia’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Citizens Bancorp of Virginia have?
Citizens Bancorp of Virginia has 2,102,846 shares outstanding.
What happened to Citizens Bancorp of Virginia’s price movement after its last earnings report?
Citizens Bancorp of Virginia reported an EPS of $1.381 in its last earnings report. Following the earnings report the stock price went up 0.082%.
Which hedge fund is a major shareholder of Citizens Bancorp of Virginia?
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