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CZBT

Citizens Bancorp of Virginia, Inc.

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Price alert · CZBT

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43.40 USD 0.00 0.00%
As of Oct 30, 2026
43.36 Day range 43.40
32.15 52-week range 43.99
YTD
+27.65%
1 year
+31.12%
Open
43.36
Prev close
43.40
Mkt cap
91.49M
Vol
1.04K
Avg vol
813
EPS
4.57
P/E
9.50
More statistics
Low
43.36
High
43.40

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Financial health

Altman Z-Score

0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 4
  • P/B 3

Valuation

P/E 7.4×
FY 2016: 15.5×FY 2017: 15.0×FY 2018: 11.1×FY 2019: 10.8×FY 2020: 10.1×FY 2021: 8.7×FY 2022: 7.4×FY 2023: 7.3×FY 2024: 7.3×FY 2025: 7.4×
FY 2016 5y median 7.4× FY 2025
P/S 2.4×
FY 2016: 3.6×FY 2017: 3.3×FY 2018: 2.9×FY 2019: 3.0×FY 2020: 2.8×FY 2021: 2.7×FY 2022: 2.8×FY 2023: 2.4×FY 2024: 2.3×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
P/B 0.9×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 10.3×
FY 2016: 16.8×FY 2017: 12.0×FY 2018: 9.4×FY 2019: 23.0×FY 2020: 10.0×FY 2021: 8.0×FY 2022: 12.6×FY 2023: 6.8×FY 2024: 8.8×FY 2025: 10.3×
FY 2016 5y median 8.8× FY 2025
EV/EBITDA 6.2×
FY 2016: -10.2×FY 2017: 0.3×FY 2018: 344×FY 2019: 8.6×FY 2020: 7.1×FY 2021: 6.1×FY 2022: 5.6×FY 2023: 5.4×FY 2024: 5.9×FY 2025: 6.2×
FY 2016 5y median 5.9× FY 2025
EV/Sales 2.5×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 1.1×FY 2019: 3.1×FY 2020: 2.6×FY 2021: 2.5×FY 2022: 2.8×FY 2023: 2.3×FY 2024: 2.4×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
FCF Yield 9.7%
FY 2016: 6.0%FY 2017: 8.3%FY 2018: 10.7%FY 2019: 4.3%FY 2020: 10.0%FY 2021: 12.5%FY 2022: 7.9%FY 2023: 14.7%FY 2024: 11.4%FY 2025: 9.7%
FY 2016 5y median 11.4% FY 2025

Profitability

Gross Margin 83.5%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 91.2%FY 2020: 91.1%FY 2021: 93.3%FY 2022: 95.3%FY 2023: 89.6%FY 2024: 83.0%FY 2025: 83.5%
FY 2016 5y median 89.6% FY 2025
Operating Margin 39.6%
FY 2016: 32.0%FY 2017: 32.8%FY 2018: 31.6%FY 2019: 33.0%FY 2020: 33.8%FY 2021: 38.1%FY 2022: 47.6%FY 2023: 41.3%FY 2024: 38.6%FY 2025: 39.6%
FY 2016 5y median 39.6% FY 2025
Net Margin 32.1%
FY 2016: 23.1%FY 2017: 22.1%FY 2018: 26.5%FY 2019: 27.2%FY 2020: 27.6%FY 2021: 30.8%FY 2022: 38.2%FY 2023: 33.5%FY 2024: 31.0%FY 2025: 32.1%
FY 2016 5y median 32.1% FY 2025
ROE 12.0%
FY 2016: 7.4%FY 2017: 7.2%FY 2018: 8.9%FY 2019: 9.2%FY 2020: 8.6%FY 2021: 9.4%FY 2022: 16.4%FY 2023: 14.2%FY 2024: 12.8%FY 2025: 12.0%
FY 2016 5y median 12.8% FY 2025
ROIC 2.1%
FY 2016: 1.2%FY 2017: 1.1%FY 2018: 1.4%FY 2019: 7.4%FY 2020: 6.8%FY 2021: 7.9%FY 2022: 13.3%FY 2023: 12.3%FY 2024: 10.8%FY 2025: 2.1%
FY 2016 5y median 10.8% FY 2025
ROA 1.7%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.0%FY 2021: 1.0%FY 2022: 1.4%FY 2023: 1.5%FY 2024: 1.5%FY 2025: 1.7%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 8.9%
FY 2016: 5.9%FY 2017: 4.8%FY 2018: 8.7%FY 2019: 8.1%FY 2020: -2.5%FY 2021: 0.7%FY 2022: 16.9%FY 2023: 18.7%FY 2024: 8.8%FY 2025: 8.9%
FY 2016 FY 2025
Operating Income 11.7%
FY 2016: -6.3%FY 2017: 7.2%FY 2018: 4.9%FY 2019: 12.9%FY 2020: -0.0%FY 2021: 13.2%FY 2022: 46.1%FY 2023: 3.1%FY 2024: 1.6%FY 2025: 11.7%
FY 2016 FY 2025
EPS (diluted) 12.8%
FY 2016: -5.9%FY 2017: 0.0%FY 2018: 31.3%FY 2019: 11.0%FY 2020: 0.0%FY 2021: 12.9%FY 2022: 46.0%FY 2023: 4.2%FY 2024: 1.2%FY 2025: 12.8%
FY 2016 FY 2025
Free Cash Flow -2.4%
FY 2016: -26.4%FY 2017: 35.4%FY 2018: 23.4%FY 2019: -55.8%FY 2020: 111.1%FY 2021: 22.0%FY 2022: -21.8%FY 2023: 88.0%FY 2024: -21.3%FY 2025: -2.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 1.2×FY 2017: 1.1×FY 2018: 0.7×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.1×
FY 2016: 1.2×FY 2017: 1.1×FY 2018: 0.7×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.2×
FY 2016: 339×FY 2017: -8.9×FY 2018: -607×FY 2019: 0.4×FY 2020: -0.4×FY 2021: -0.4×FY 2022: -0.0×FY 2023: -0.2×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median -0.0× FY 2025
Interest Coverage 2.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 3.8×FY 2020: 3.8×FY 2021: 5.7×FY 2022: 10.1×FY 2023: 4.0×FY 2024: 2.5×FY 2025: 2.6×
FY 2016 5y median 4.0× FY 2025

Dividends

Dividend Yield 3.3%
FY 2016: 3.2%FY 2017: 3.4%FY 2018: 3.8%FY 2019: 3.7%FY 2020: 4.1%FY 2021: 4.3%FY 2022: 3.6%FY 2023: 3.7%FY 2024: 3.7%FY 2025: 3.3%
FY 2016 5y median 3.7% FY 2025
Payout Ratio 24.9%
FY 2016: 50.0%FY 2017: 51.1%FY 2018: 42.0%FY 2019: 40.4%FY 2020: 41.1%FY 2021: 37.6%FY 2022: 26.6%FY 2023: 26.8%FY 2024: 27.2%FY 2025: 24.9%
FY 2016 5y median 26.8% FY 2025

Annual · latest fiscal year ends 2025-12-31