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Citizens Bancorp of Virginia Inc (CZBT)
OTHER OTC:CZBT
US Market
CZBT
Citizens Bancorp of Virginia
RESEARCH TOOLSreports

Citizens Bancorp of Virginia (CZBT) Ratios

5 Followers

Citizens Bancorp of Virginia Ratios

CZBT's free cash flow for Q2 2025 was $1.00. For the 2025 fiscal year, CZBT's free cash flow was decreased by $ and operating cash flow was $0.50. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
 0.00 0.02 0.02 0.02 0.02
Quick Ratio
 0.00 0.02 0.02 0.02 0.02
Cash Ratio
 0.00 0.01 0.02 0.02 0.02
Solvency Ratio
 0.02 0.02 0.02 0.02 0.01
Operating Cash Flow Ratio
 0.00 0.02 0.02 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -490.17M$ -476.62M$ -484.74M$ -513.04M$ -495.04M
Leverage Ratios
Debt-to-Assets Ratio
 0.01 0.02 0.01 0.01 0.01
Debt-to-Equity Ratio
 0.10 0.15 0.09 0.17 0.13
Debt-to-Capital Ratio
 0.09 0.13 0.09 0.15 0.11
Long-Term Debt-to-Capital Ratio
 0.09 0.13 0.09 0.15 0.11
Financial Leverage Ratio
 7.24 8.29 9.29 11.52 9.45
Debt Service Coverage Ratio
 2.77 2.14 3.46 8.75 5.06
Interest Coverage Ratio
 3.96 2.51 3.99 10.14 5.65
Debt to Market Cap
 0.10 0.16 0.09 0.14 0.15
Interest Debt Per Share
 5.49 6.79 3.89 4.47 4.11
Net Debt to EBITDA
 0.20 0.29 -0.18 -0.05 -0.38
Profitability Margins
Gross Profit Margin
87.14%83.04%89.65%95.31%93.27%
EBIT Margin
41.32%38.58%41.33%47.57%38.06%
EBITDA Margin
41.32%40.53%43.61%50.40%41.37%
Operating Profit Margin
47.85%38.58%41.33%47.57%38.06%
Pretax Profit Margin
41.32%38.58%41.33%47.57%38.06%
Net Profit Margin
33.45%31.02%33.50%38.20%30.77%
Continuous Operations Profit Margin
33.45%31.02%33.50%38.20%30.77%
Net Income Per EBT
80.95%80.42%81.05%80.30%80.86%
EBT Per EBIT
86.36%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.66%1.55%1.53%1.42%0.99%
Return on Equity (ROE)
12.78%12.84%14.23%16.37%9.38%
Return on Capital Employed (ROCE)
2.38%13.38%15.18%16.58%9.82%
Return on Invested Capital (ROIC)
1.93%10.76%12.30%13.31%7.94%
Return on Tangible Assets
1.66%1.55%1.53%1.42%0.99%
Earnings Yield
12.05%13.72%13.79%13.43%11.45%
Efficiency Ratios
Receivables Turnover
 10.38 10.74 11.32 10.19 11.98
Payables Turnover
 0.00 3.37 2.12 4.66 5.49
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.72 3.59 3.27 2.61 2.14
Asset Turnover
 0.05 0.05 0.05 0.04 0.03
Working Capital Turnover Ratio
 3.16 -0.06 -0.05 -0.04 -0.04
Cash Conversion Cycle
 35.16 -74.39 -139.62 -42.45 -36.02
Days of Sales Outstanding
 35.16 33.98 32.26 35.83 30.46
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 108.37 171.88 78.28 66.48
Operating Cycle
 35.16 33.98 32.26 35.83 30.46
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 3.58 4.33 2.38 2.97
Free Cash Flow Per Share
 0.00 3.36 4.26 2.26 2.88
CapEx Per Share
 0.00 0.22 0.07 0.12 0.09
Free Cash Flow to Operating Cash Flow
 0.00 0.94 0.98 0.95 0.97
Dividend Paid and CapEx Coverage Ratio
 0.00 2.71 3.79 2.09 2.75
Capital Expenditure Coverage Ratio
 0.00 16.09 59.24 19.65 33.65
Operating Cash Flow Coverage Ratio
 0.00 0.75 1.63 0.60 0.84
Operating Cash Flow to Sales Ratio
 0.00 0.27 0.36 0.24 0.35
Free Cash Flow Yield
0.00%11.39%14.67%7.91%12.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.30 7.29 7.25 7.44 8.73
Price-to-Sales (P/S) Ratio
 2.78 2.26 2.43 2.84 2.69
Price-to-Book (P/B) Ratio
 1.00 0.94 1.03 1.22 0.82
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 8.78 6.82 12.64 7.99
Price-to-Operating Cash Flow Ratio
 0.00 8.23 6.70 12.00 7.75
Price-to-Earnings Growth (PEG) Ratio
 3.08 5.83 1.74 0.16 0.68
Price-to-Fair Value
 1.00 0.94 1.03 1.22 0.82
Enterprise Value Multiple
 6.93 5.87 5.39 5.59 6.12
Enterprise Value
 82.52M 65.70M 59.57M 60.24M 46.28M
EV to EBITDA
 6.93 5.87 5.39 5.59 6.12
EV to Sales
 2.87 2.38 2.35 2.82 2.53
EV to Free Cash Flow
 0.00 9.24 6.59 12.53 7.53
EV to Operating Cash Flow
 0.00 8.67 6.48 11.89 7.30
Tangible Book Value Per Share
 38.01 31.50 28.10 23.42 28.08
Shareholders’ Equity Per Share
 38.01 31.50 28.10 23.42 28.08
Tax and Other Ratios
Effective Tax Rate
 0.19 0.20 0.19 0.20 0.19
Revenue Per Share
 13.69 13.04 11.94 10.04 8.56
Net Income Per Share
 4.58 4.05 4.00 3.83 2.63
Tax Burden
 0.81 0.80 0.81 0.80 0.81
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.32 <0.01 <0.01 <0.01 0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 0.89 1.08 0.62 1.13
Currency in USD