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COMPANY SUMMARY
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. The company offers personal and business checking, savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also provides personal lending products, including automobile, signature, boat, and personal property loans; in-house and conventional fixed-rate financing, USDA rural development, veterans affairs home loans, and FHA and FHLB lending products; and home equity lines of credit, fixed-rate mortgages, and adjustable-rate mortgages. In addition, the company offers commercial real estate mortgages, commercial real estate construction loans, small business working capital loans, small business lines of credit, SBA guaranteed loans, and investment property loans; commercial real estate products; and small business lending products. Further, it provides debit and credit cards; coin counting; eStatements; notary services; safe deposit boxes; mobile and online banking; ACH payments; wire transfers; positive pay; bill pay; merchant services; and wealth management services comprising financial and retirement planning, IRA rollovers, business retirement plans, fixed and variable annuities, 529 college savings plans, trusts and estate planning, and tax-advantaged investments. Citizens Bancorp of Virginia, Inc. was founded in 1873 and is headquartered in Blackstone, Virginia.
Financial Summary
| Share Statistics | CZBT | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $91.6 | $687.7 | 21% |
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| Shares Out (Mil) | 2.1 | 15.3 | 8% |
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| Institutional Ownership | na | 84.0% | na |
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| Float (Mil) | 2.1 | 21.6 | 6% |
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| Beta | 0.04 | 0.45 | 7% |
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| Avg Daily Volume (000s) | 5 | 48 | 14% |
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| Price Change (52-week) |
64.3% | 91.0% | 90% |
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| Growth | CZBT | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.1% | 7.6% | 55% |
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| Net Income (5yr) | 13.9% | 11.1% | 62% |
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| EPS (5yr) | 14.5% | 10.0% | 55 |
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| Dividends (5yr) | 3.5% | 3.6% | 81% |
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| Cash Flow (5yr) | 12.8% | (17.2%) | 71% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CZBT | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $25 | $188 | 14% |
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| Net Income (TTM) (Mil) | $10 | $54 | 45% |
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| EPS (TTM) | $4.574 | $2.600 | 85% |
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| Operating Cash Flow (TTM) (Mil) | $8 | $33 | 37% |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $0 | $96 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CZBT | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.15 | 1.24 | 31% |
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| P/E | 9.5 | 12.0 | 16% |
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| Dividend Yield | 2.8% | 2.2% | 83% |
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| PEG (5yr hist) | 0.7 | 1.1 | 33% |
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| Ratios | CZBT | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 39.3% | 29.2% | 94% |
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| ROA | 1.7% | 1.1% | 53% |
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| ROE | 13.8% | 11.3% | 68% |
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| Liabilities to Assets | 86.2% | 89.7% | 80% |
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| F-Score | 4 | 4 | 33% |
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Citizens Bancorp of Virginia, Inc. did not pass any screens on 10/16/2026.
