Financial Services
Citizens Bancorp of Virginia, Inc.(CZBT)
Live Price
Offline$38.40
+0.00% today
1Y Change
+37.91%
Window
Jun 25, 2025 β Jun 23, 2026
- Market Cap
- $80.00M
- Revenue Growth
- +8.9%
- EPS Growth
- +12.8%
- Dividend Yield
- 3.0%
Coverage: 249 bars Β· Jun 25, 2025 β Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Bancorp of Virginia, Inc. (CZBT) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $38.40 and up 37.9% across the available one-year price window (Jun 25, 2025 β Jun 23, 2026). Baseline metrics include revenue growth of +8.9%, EPS growth of +12.8%, a dividend yield of 3.0%. What stands out right now is revenue +8.9%, EPS +12.8%, free cash flow -2.4% with operating margin 44.7% and ROIC 1.8%. The dividend matters to the case here, with a current yield around 3.0%. Valuation is more restrained than many high-expectation growth names at P/E 8.3 and price/sales 2.8. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CZBT price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+8.9% vs +3.4% peer median
Operating Margin
Above sector median
+44.7% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 25, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +8.9% and EPS at +12.8%, with operating margin around 44.7%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.0%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.0% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS Ξ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 25, 2026 | β | +1.0% | +1.0% | β |
2025 Dec 31, 2025 | β | +0.6% | +0.3% | +1.8% |
2025 Aug 11, 2025 | β | +1.6% | +1.6% | +4.9% |
Benchmark Edge
CZBT vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CZBT
β
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CZBT Max Drawdown
-13.00%
Trailing 1Y
SPY Max Drawdown
β
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CZBT and SPY.
Company Overview
Citizens Bancorp of Virginia, Inc.
OTC
Citizens Bancorp of Virginia Inc. operates as a community-oriented financial services company. The primary function of the company is to provide comprehensive banking services to individuals, businesses, and municipalities within its local region. Citizens Bancorp of Virginia is particularly known for offering a wide array of financial products including checking and savings accounts, personal and commercial loans, as well as mortgage services. As a community bank, it emphasizes personalized customer service and local decision-making, distinguishing itself from larger, impersonal national banks. Citizens Bancorp of Virginia plays a crucial role in supporting local economies by facilitating access to credit and financial products tailored to the unique needs of its customers. The bankβs operations contribute significantly to the financial health of small businesses and individuals in its service area by fostering economic growth and community development. In the financial market, Citizens Bancorp of Virginia enjoys a strong local presence and loyalty, often serving as a vital financial intermediary in its core market. These features make it an integral part of the economic infrastructure, emphasizing its commitment to community engagement and sustainable financial solutions.
- Leadership
- Mr. C. Taylor Quicke
- Street Address
- 126 South Main Street
- Mailing
- Blackstone, VA, 23824
- Region
- Blackstone, VA, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.3
- EV/EBITDA
- 6.5
- Price/Sales
- 2.8
- Price/Book
- 1.0
Growth
- Revenue
- +8.9%
- EPS
- +12.8%
- Free Cash Flow
- -2.4%
Profitability
- Gross Margin
- 87.1%
- Operating Margin
- 44.7%
- Net Margin
- 33.5%
- ROE
- 12.7%
- ROIC
- 1.8%
Balance Sheet
- Debt/Equity
- 0.07
- Current Ratio
- β
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.