Citizens Bancorp of Virginia, Inc.

OTCPK:CZBT Stock Report

Market Cap: US$65.4m

Citizens Bancorp of Virginia Valuation

Is CZBT undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CZBT when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CZBT ($31) is trading below our estimate of fair value ($45.11)

Significantly Below Fair Value: CZBT is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CZBT?

Key metric: As CZBT is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CZBT. This is calculated by dividing CZBT's market cap by their current earnings.
What is CZBT's PE Ratio?
PE Ratio7.7x
EarningsUS$8.50m
Market CapUS$65.44m

Price to Earnings Ratio vs Peers

How does CZBT's PE Ratio compare to its peers?

The above table shows the PE ratio for CZBT vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.3x
CYFL Century Financial
7.1xn/aUS$62.4m
BYFC Broadway Financial
26.3xn/aUS$61.0m
CULL Cullman Bancorp
17.5xn/aUS$63.9m
BLHK blueharbor bank
10.1xn/aUS$62.4m
CZBT Citizens Bancorp of Virginia
7.7xn/aUS$65.4m

Price-To-Earnings vs Peers: CZBT is good value based on its Price-To-Earnings Ratio (7.7x) compared to the peer average (15.1x).

Price to Earnings Ratio vs Industry

How does CZBT's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CZBT 7.7xIndustry Avg. 13.3xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CZBT is good value based on its Price-To-Earnings Ratio (7.7x) compared to the US Banks industry average (13.2x).

Price to Earnings Ratio vs Fair Ratio

What is CZBT's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CZBT PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.7x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CZBT's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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