CZBT Stock Overview

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. More details

CZBT fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 69.4% below our estimate of its fair value

Earnings grew by 0.8% over the past year

Pays a reliable dividend of 3.98%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($59M)

Community vs My Fair Value

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Citizens Bancorp of Virginia, Inc. Competitors

First Bancshares

OTCPK:FBSI

US$58.0m

Oregon Pacific Bancorp

OTCPK:ORPB

US$59.5m

Cullman Bancorp

OTCPK:CULL

US$64.9m

Central Plains Bancshares

NasdaqCM:CPBI

US$62.6m

Price History & Performance

Summary of share price highs, lows and changes for Citizens Bancorp of Virginia
Historical stock prices
Current Share Price	US$28.15
52 Week High	US$31.00
52 Week Low	US$24.75
Beta	0.45
1 Month Change	-2.93%
3 Month Change	-6.17%
1 Year Change	5.55%
3 Year Change	0.57%
5 Year Change	11.49%
Change since IPO	84.59%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CZBT	US Banks	US Market
7D	-1.2%	-0.4%	1.5%
1Y	5.5%	40.5%	22.4%

Return vs Industry: CZBT underperformed the US Banks industry which returned 40.5% over the past year.

Return vs Market: CZBT underperformed the US Market which returned 22.4% over the past year.

Price Volatility

Is CZBT's price volatile compared to industry and market?
CZBT volatility
CZBT Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	5.9%
10% most volatile stocks in US Market	18.0%
10% least volatile stocks in US Market	3.0%

Stable Share Price: CZBT's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CZBT's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1873	n/a	C. Quicke	www.cbtva.com

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, certificates of deposit, and individual retirement accounts, as well as provides credit cards. The company also provides commercial loans, such as commercial real estate mortgages and construction loans, small business working capital loans and lines of credit, SBA guaranteed loans, and investment property loans.

Citizens Bancorp of Virginia, Inc. Fundamentals Summary

How do Citizens Bancorp of Virginia's earnings and revenue compare to its market cap?
CZBT fundamental statistics
Market cap	US$59.34m
Earnings (TTM)	US$8.56m
Revenue (TTM)	US$22.92m

6.9x

P/E Ratio

0.9x

P/B Ratio

Is CZBT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CZBT income statement (TTM)
Revenue	US$22.92m
Cost of Revenue	US$0
Gross Profit	US$22.92m
Other Expenses	US$14.36m
Earnings	US$8.56m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.06
Gross Margin	100.00%
Net Profit Margin	37.36%
Debt/Equity Ratio	15.2%

How did CZBT perform over the long term?

See historical performance and comparison

Dividends

4.0%

Current Dividend Yield

27%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/16 20:21
End of Day Share Price	2025/02/14 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Bancorp of Virginia, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.