Citizens Bancorp of Virginia, Inc. (CZBT)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 17 | 17 | 20 | 23 | 23 | 25 | 27 | - |
| Operating profit | $m | 12 | 13 | ||||||
| Net profit | $m | 5 | 6 | 8 | 8 | 9 | 10 | 11 | - |
| EPS reported | $ | 4.57 | 5.03 | ||||||
| Operating cashflow per share | $ | 3.56 | 0.00 | ||||||
| Capex per share | $ | 0.27 | 0.00 | ||||||
| FCF per share | $ | 3.29 | 0.00 | ||||||
| Free cash flow | $m | 7 | 0 | ||||||
| Net debt | $m | 2 | -2 | ||||||
| Book value equity | $m | 80 | 83 | ||||||
| Book value per share | $ | 37.94 | 39.64 | ||||||
| Number of shares | m | 2.11 | 2.1 | ||||||
| DPS (TTM paid) | $ | 1.13 | 1.50 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.44 | 9.38 | ||||||
| P/B LTM | x | 0.90 | 0.86 | ||||||
| P/S LTM | x | 2.82 | 2.65 | ||||||
| P/FCF LTM | x | 10.33 | 0.00 | ||||||
| EV/EBITDA LTM | x | 6.23 | 5.70 | ||||||
| EV/Sales LTM | x | 2.47 | 2.83 | ||||||
| Earnings Yield LTM | % | +13.44% | +10.66% | ||||||
| FCF Yield | % | +9.68% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +12.04% | +13.17% | ||||||
| ROIC | % | +2.07% | +1.83% | ||||||
| Operating margin | % | +39.60% | +40.96% | ||||||
| Gross margin | % | +83.52% | +84.25% | ||||||
| FCF/Sales | % | +23.09% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +12.84% | +24.20% | ||||||
| Sales Growth YoY | % | +8.68% | +15.68% | ||||||
| Net Income Growth YoY | % | +12.48% | +23.62% | ||||||
| FCF Growth | % | -2.45% | -100.00% | ||||||
| Operating Profit Growth | % | +11.75% | +22.15% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.35% | +2.71% | ||||||
| Dividend Growth | % | +37.80% | +82.93% | ||||||
| Payout Ratio | % | +24.91% | 0.00% | ||||||
| FCF/Debt | x | 0.86 | 0.00 | ||||||
| Net Debt/EBITDA | x | 0.20 | -0.14 | ||||||
| EBIT/Net interest | x | 2.55 | 2.75 | ||||||
| Net debt/market cap | % | +11.26% | +5.44% | ||||||
| Net debt/Equity | x | 0.03 | -0.02 | ||||||
| Gross debt/equity | x | 0.10 | 0.06 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Bancorp of Virginia, Inc. functions as the parent holding company for Citizens Bank and Trust Company, delivering a comprehensive suite of commercial banking products and financial services to both businesses and individual clients throughout the United States. Its diverse offerings include various deposit accounts, such as checking, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs), alongside providing credit card options. The institution also extends a range of commercial loans, encompassing commercial real estate mortgages, construction financing, small business working capital loans, small business lines of credit, SBA-guaranteed loans, and investment property loans. For individual consumers, Citizens Bank and Trust Company offers personal lending solutions like automobile, signature, boat, and other personal property loans. Additionally, it specializes in extensive real estate financing, covering home equity lines of credit, fixed and adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer initiatives, home improvement loans, bridge loans, new home construction, and commercial construction loans. This also extends to funding for second homes/vacation properties, investment properties, and commercial, industrial, and apartment projects. Beyond core banking, the company provides merchant services, as well as investment and brokerage services. Its operational footprint is primarily within Virginia, serving the counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, and Powhatan, in addition to the cities of Colonial Heights, Richmond, and Petersburg. Founded in 1873, Citizens Bancorp of Virginia, Inc. is headquartered in Blackstone, Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Bancorp of Virginia, Inc. (CZBT)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Bancorp of Virginia, Inc. functions as the parent holding company for Citizens Bank and Trust Company, delivering a comprehensive suite of commercial banking products and financial services to both businesses and individual clients throughout the United States. Its diverse offerings include various deposit accounts, such as checking, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs), alongside providing credit card options. The institution also extends a range of commercial loans, encompassing commercial real estate mortgages, construction financing, small business working capital loans, small business lines of credit, SBA-guaranteed loans, and investment property loans. For individual consumers, Citizens Bank and Trust Company offers personal lending solutions like automobile, signature, boat, and other personal property loans. Additionally, it specializes in extensive real estate financing, covering home equity lines of credit, fixed and adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer initiatives, home improvement loans, bridge loans, new home construction, and commercial construction loans. This also extends to funding for second homes/vacation properties, investment properties, and commercial, industrial, and apartment projects. Beyond core banking, the company provides merchant services, as well as investment and brokerage services. Its operational footprint is primarily within Virginia, serving the counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, and Powhatan, in addition to the cities of Colonial Heights, Richmond, and Petersburg. Founded in 1873, Citizens Bancorp of Virginia, Inc. is headquartered in Blackstone, Virginia.
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