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Citizens Bancorp Of Virginia(OTC) CZBT

Market Cap$95.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+594%
5 Year+84%
1 Year+46%
1 Month+10%
$43.00
+0.00%
+0.00Today
Citizens Bancorp Of Virginia last closing stock price
MetricPriceDate
Last closeUSD 43.002026-08-20
Citizens Bancorp Of Virginia stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.35%USD 42.852026-08-12
1 month+10.26%USD 39.002026-07-20
3 month+11.09%USD 38.712026-05-22
Year to date+29.57%USD 33.192025-12-30
1 year+46%USD 29.452025-08-20
3 year+59.04%USD 27.042023-08-09
5 year+84.29%USD 23.332021-08-20
Since inception+594.05%USD 6.202003-06-20

Citizens Bancorp Of Virginia Financials at a Glance

Market Cap

$95.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$31.75M

Net Income (TTM)

$10.59M

EPS (TTM)

$5.03

P/E Ratio

8.55

Dividend

$1.18

Beta (Volatility)

0.11 (Low)

Price

$43.00

Volume

800

Open

$42.80

Previous Close

$43.00

Daily Range

$42.80 - $43.00

52-Week Range

$31.25 - $43.00

Estimated Earnings Date

May 25, 2026

CZBT News

No articles available.

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About Citizens Bancorp Of Virginia

Citizens Bancorp of Virginia, Inc. operates as the parent holding company for Citizens Bank and Trust Company, providing a wide range of commercial banking products and financial services. The company serves both businesses and individual clients primarily in Virginia, with a focus on delivering personalized banking solutions.

Products and Services
  • Comprehensive deposit accounts including checking, savings, and CDs
  • Diverse lending options such as commercial loans and personal loans
  • Investment and brokerage services alongside merchant services
Growth Outlook
  • Recent quarterly revenue increased to $8.57 million, reflecting strong operational performance
  • Net income for Q2 2026 reached $3.22 million, showcasing profitability
  • Return on equity stands at 13.17%, indicating effective management of shareholder funds
Financial Highlights
  • Trailing twelve months (TTM) revenue of $30.4 million demonstrates consistent growth
  • Dividend yield of 2.74% offers attractive returns to shareholders
  • Price-to-earnings (P/E) ratio of 8.55 suggests potential undervaluation compared to peers
Citizens Bancorp of Virginia, Inc. has established a solid foundation in the regional banking sector, with a diverse portfolio of products and services tailored to meet the needs of its clients. The company's recent financial performance indicates a positive trajectory, with significant revenue growth and profitability. The attractive dividend yield and favorable P/E ratio further enhance its appeal to potential investors. With a focus on customer service and community engagement, Citizens Bancorp is well-positioned for continued success in the evolving financial landscape.
AI Generated • Aug 21, 2026

Industry

Banks

Sector

Financials

Employees

82

CEO

C. Taylor Quicke

Website

www.cbtva.com

Headquarters

Blackstone, VA 23824, US

CZBT Financials

Key Financial Metrics (TTM)

Gross Margin

84.25%

Operating Margin

40.96%

Net Income Margin

33.34%

Return on Equity

13.17%

Return on Capital

13.52%

Return on Assets

1.83%

Earnings Yield

11.70%

Dividend Yield

2.74%

Payout Ratio

0.00%

Stock Overview

Market Cap

$95.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.22M

Volume

800

Avg. Volume

569.921

Financials (TTM)

Gross Profit

$26.75M

Operating Income

$13.01M

EBITDA

$13.01M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$6.81M

Total Debt

$4.99M

Citizens Bancorp Of Virginia Performance Analysis

Citizens Bancorp Of Virginia annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 22,623,48720.5%
20232023-12-31USD 26,015,66515.0%
20242024-12-31USD 27,600,6456.1%
20252025-12-31USD 30,045,4338.9%
Citizens Bancorp Of Virginia sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3022.3%
Q42025-12-310.5%
Q12026-03-311.6%
Q22026-06-309.5%
Citizens Bancorp Of Virginia annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.8445.6%
20232023-12-31USD 4.004.3%
20242024-12-31USD 4.051.2%
20252025-12-31USD 4.5713.0%
Citizens Bancorp Of Virginia sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30N/A
Q42025-12-31-10.1%
Q12026-03-3115.9%
Q22026-06-3023.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$8.57M

+36.9%

Gross Profit

$7.36M

+17.6%

Gross Margin

85.88%

N/A

Market Cap

$95.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$885.72K

N/A

Employees

108

N/A

Net Income

$3.22M

+28.6%

EBITDA

$3.91M

+25.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$6.81M

-6.2%

Total Debt

$4.99M

-18.1%

Accounts Receivable

$3.05M

N/A

Inventory

$0.00

N/A

Long Term Debt

$4.99M

-18.1%

Short Term Debt

$0.00

N/A

Return on Assets

1.83%

N/A

Return on Invested Capital

2.25%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About CZBT

What is the current price of Citizens Bancorp Of Virginia?

Citizens Bancorp Of Virginia is trading at $43.00 per share.

What is the 52-week range for Citizens Bancorp Of Virginia?

Over the past 52 weeks, Citizens Bancorp Of Virginia has traded between $31.25 and $43.00.

How much debt does Citizens Bancorp Of Virginia have?

As of the most recent reporting period, Citizens Bancorp Of Virginia reported total debt of $4.99M.

How much cash does Citizens Bancorp Of Virginia have on hand?

Citizens Bancorp Of Virginia does not have cash on hand data available.

What is Citizens Bancorp Of Virginia’s dividend yield?

Citizens Bancorp Of Virginia currently has a dividend yield of 2.74%.

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