Citizens Bancorp of Virginia Inc (CZBT)
OTHER OTC:CZBT
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Citizens Bancorp of Virginia
(OTC:CZBT)
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Rating:78Outperform
Price Target:
$37.00
▲(9.50% Upside)
Action:N/ADate:10/02/25
The overall score reflects a company with a mixed but generally positive outlook. The primary driver is its financial profile, which pairs a fortress-like balance sheet and strong profitability against a significant decline in revenue. The score is further supported by an attractive valuation, indicated by a low P/E ratio and a high dividend yield, and a strong bullish technical trend.
Positive Factors
Strong Profitability
Strong profitability with high margins indicates effective cost management and pricing power, supporting long-term financial stability.
Negative Factors
Declining Revenue Growth
Declining revenue growth may signal challenges in market expansion or competitive pressures, potentially impacting future earnings potential.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Strong profitability with high margins indicates effective cost management and pricing power, supporting long-term financial stability.
Read all positive factors
Citizens Bancorp of Virginia (CZBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$86.70M
Dividend Yield3.37%
Average Volume (3M)338.00
Price to Earnings (P/E)7.4
Beta (1Y)0.06
Revenue Growth8.39%
EPS Growth16.84%
CountryUS
Employees108
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.07
Shares Outstanding2,312,000
10 Day Avg. Volume434
30 Day Avg. Volume338
Financial Highlights & Ratios
PEG Ratio5.83
Price to Book (P/B)0.94
Price to Sales (P/S)2.26
P/FCF Ratio8.78
Enterprise Value/Market Cap0.94
Enterprise Value/Revenue3.97
Enterprise Value/Gross Profit4.52
Enterprise Value/Ebitda9.57
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. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States. It accepts checking and savings,...
How the Company Makes Money
Citizens Bancorp of Virginia generates revenue primarily through interest income from loans and fees associated with its banking services. The bank earns interest from various types of loans, including commercial loans, personal loans, and mortgag...
Citizens Bancorp of Virginia Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
88
Very Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.51M | 27.60M | 25.36M | 21.37M | 18.28M | 18.16M |
| Gross Profit | 18.03M | 22.92M | 22.73M | 20.36M | 17.05M | 16.53M |
| EBITDA | 8.51M | 11.19M | 11.06M | 10.77M | 7.56M | 6.77M |
| Net Income | 6.88M | 8.56M | 8.50M | 8.16M | 5.63M | 5.02M |
Balance Sheet | ||||||
| Total Assets | 561.81M | 552.70M | 554.34M | 574.00M | 566.93M | 493.14M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 6.85M | 7.67M | 9.02M | 10.39M | 14.59M |
| Total Debt | 0.00 | 10.12M | 5.63M | 8.50M | 7.55M | 11.89M |
| Total Liabilities | 488.27M | 486.04M | 494.65M | 524.16M | 506.96M | 434.81M |
| Stockholders Equity | 73.54M | 66.67M | 59.69M | 49.84M | 59.98M | 58.32M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.11M | 9.04M | 4.81M | 6.15M | 5.04M |
| Operating Cash Flow | 0.00 | 7.58M | 9.19M | 5.07M | 6.34M | 5.31M |
| Investing Cash Flow | 0.00 | -16.43M | -10.93M | -20.37M | -50.46M | -64.32M |
| Financing Cash Flow | 0.00 | -10.54M | -33.63M | 15.30M | 69.97M | 74.66M |
Citizens Bancorp of Virginia Technical Analysis
Positive
33.79
Price Trends
35.93
Positive
34.57
Positive
32.64
Positive
Market Momentum
0.47
Positive
59.57
Neutral
83.90
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 33.79 is below the 20-day moving average (MA) of 37.43, below the 50-day MA of 35.93, and above the 200-day MA of 32.64, indicating a bullish trend. The MACD of 0.47 indicates Positive momentum. The RSI at 59.57 is Neutral, neither overbought nor oversold. The STOCH value of 83.90 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $86.70M | 7.44 | 12.78% | 3.37% | 8.39% | 16.84% | |
78 Outperform | $93.59M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
68 Neutral | $89.27M | 11.51 | 6.89% | ― | -0.81% | -129.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $87.56M | 10.17 | 12.01% | 6.51% | 6.31% | -5.00% | |
65 Neutral | $86.45M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
46 Neutral | $82.03M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% |
* Financial Sector Average
CZBT
Citizens Bancorp of Virginia
37.50
10.85
40.71%
BOTJ
Bank Of The Jame Financial
20.60
6.45
45.57%
SSBI
Summit State Bank
13.37
4.25
46.60%
UBCP
United Bancorp
15.21
2.86
23.17%
FUSB
First US Bancshares
15.30
2.13
16.20%
FNWB
First Northwest Bancorp
8.68
-1.67
-16.10%
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.