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Citizens Bancorp of Virginia
(OTC:CZBT)
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Rating:81Outperform
Price Target:
$48.00
▲(12.94% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by strong financial performance (accelerating revenue, high profitability, and conservative leverage). Valuation is also a clear positive with a low P/E and a solid dividend yield. Technicals are supportive with price above major moving averages and positive MACD, though overbought signals (high RSI/Stoch) slightly temper the overall rating.
Positive Factors
Revenue acceleration
A 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.
Negative Factors
Margin normalization vs 2022 highs
Compression 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue acceleration
A 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.
Read all positive factors
Citizens Bancorp of Virginia (CZBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$100.58M
Dividend Yield2.74%
Average Volume (3M)92.00
Price to Earnings (P/E)8.7
Beta (1Y)0.12
Revenue Growth10.30%
EPS Growth16.40%
CountryUS
Employees108
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.69
Shares Outstanding2,312,000
10 Day Avg. Volume90
30 Day Avg. Volume92
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
Citizens Bancorp of Virginia Business Overview & Revenue Model
Company Description
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 throug...
How the Company Makes Money
CZBT primarily makes money through the core earnings model of a community bank. Its largest revenue driver is typically net interest income: the bank earns interest and fees on loans (e.g., commercial, real estate, and consumer loans) and certain ...
Citizens Bancorp of Virginia Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
82
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.44M | 30.05M | 27.60M | 25.36M | 21.37M | 18.28M |
| Gross Profit | 25.65M | 25.09M | 22.92M | 22.73M | 20.36M | 17.05M |
| EBITDA | 12.20M | 11.90M | 11.19M | 11.06M | 10.77M | 7.56M |
| Net Income | 9.87M | 9.63M | 8.56M | 8.50M | 8.16M | 5.63M |
Balance Sheet | ||||||
| Total Assets | 583.49M | 578.57M | 552.70M | 554.34M | 574.00M | 566.93M |
| Cash, Cash Equivalents and Short-Term Investments | 8.60M | 5.66M | 6.85M | 7.67M | 9.02M | 10.39M |
| Total Debt | 5.42M | 8.07M | 10.12M | 5.63M | 8.50M | 7.55M |
| Total Liabilities | 502.49M | 498.60M | 486.04M | 494.65M | 524.16M | 506.96M |
| Stockholders Equity | 81.00M | 79.97M | 66.67M | 59.69M | 49.84M | 59.98M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.94M | 7.11M | 9.04M | 4.81M | 6.15M |
| Operating Cash Flow | 0.00 | 7.51M | 7.58M | 9.19M | 5.07M | 6.34M |
| Investing Cash Flow | 0.00 | 9.86M | -16.43M | -10.93M | -20.37M | -50.46M |
| Financing Cash Flow | 0.00 | 10.52M | -10.54M | -33.63M | 15.30M | 69.97M |
Citizens Bancorp of Virginia Technical Analysis
Positive
42.50
Price Trends
40.85
Positive
39.57
Positive
36.95
Positive
Market Momentum
0.74
Negative
69.70
Neutral
81.55
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZBT, the sentiment is Positive. The current price of 42.5 is below the 20-day moving average (MA) of 42.51, above the 50-day MA of 40.85, and above the 200-day MA of 36.95, indicating a bullish trend. The MACD of 0.74 indicates Negative momentum. The RSI at 69.70 is Neutral, neither overbought nor oversold. The STOCH value of 81.55 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZBT.
Citizens Bancorp of Virginia Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $100.58M | 8.65 | 13.17% | 2.90% | 10.30% | 16.40% | |
79 Outperform | $122.85M | 10.53 | 14.30% | 1.49% | 6.20% | 60.60% | |
68 Neutral | $90.28M | 12.15 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $88.67M | 11.06 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $87.08M | 37.68 | 2.22% | ― | -6.91% | ― | |
46 Neutral | $107.10M | 69.07 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
CZBT
Citizens Bancorp of Virginia
43.51
12.55
40.55%
BOTJ
Bank Of The Jame Financial
26.65
11.52
76.13%
SSBI
Summit State Bank
12.86
1.02
8.57%
UBCP
United Bancorp
15.71
2.36
17.63%
FUSB
First US Bancshares
16.40
5.29
47.67%
FNWB
First Northwest Bancorp
11.10
3.60
48.00%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.