Citizens Bancorp of Virginia Past Earnings Performance

Past criteria checks 3/6

Citizens Bancorp of Virginia has been growing earnings at an average annual rate of 15.4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 8.5% per year. Citizens Bancorp of Virginia's return on equity is 14.2%, and it has net margins of 36.8%.

Key information

15.4%

Earnings growth rate

16.1%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	8.5%
Return on equity	14.2%
Net Margin	36.8%
Last Earnings Update	31 Dec 2023

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How Citizens Bancorp of Virginia makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:CZBT Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Dec 23	23	8	10
30 Sep 23	24	10	10
30 Jun 23	24	9	10
31 Mar 23	23	9	10
31 Dec 22	22	8	9
30 Sep 22	19	7	9
30 Jun 22	18	6	9
31 Mar 22	18	5	8
31 Dec 21	18	6	8
30 Sep 21	17	5	8
30 Jun 21	17	5	8
31 Mar 21	16	5	7
31 Dec 20	16	5	7
30 Sep 20	16	5	8
30 Jun 20	17	5	8
31 Mar 20	17	5	8
31 Dec 19	17	5	8
30 Sep 19	17	5	8
30 Jun 19	17	5	8
31 Mar 19	16	5	8
31 Dec 18	16	5	8
30 Sep 18	16	4	7
30 Jun 18	15	4	7
31 Mar 18	15	4	7
31 Dec 17	14	4	7
30 Sep 17	14	4	7
30 Jun 17	14	4	7
31 Mar 17	14	4	7
31 Dec 16	14	4	7
30 Sep 16	14	3	7
30 Jun 16	14	3	7
31 Mar 16	14	4	7
31 Dec 15	14	4	7
30 Sep 15	14	4	6
30 Jun 15	14	4	7
31 Mar 15	14	4	7
31 Dec 14	14	4	7
30 Sep 14	14	4	7
30 Jun 14	14	4	7
31 Mar 14	14	4	7
31 Dec 13	14	4	7

Quality Earnings: CZBT has high quality earnings.

Growing Profit Margin: CZBT's current net profit margins (36.8%) are lower than last year (37.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CZBT's earnings have grown by 15.4% per year over the past 5 years.

Accelerating Growth: CZBT's earnings growth over the past year (4.1%) is below its 5-year average (15.4% per year).

Earnings vs Industry: CZBT earnings growth over the past year (4.1%) exceeded the Banks industry -11.8%.

Return on Equity

High ROE: CZBT's Return on Equity (14.2%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 15:30
End of Day Share Price	2024/12/18 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

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 here.

Analysis Model and Snowflake

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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 .

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.

Analyst	Institution