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    Banks - Regional
Citizens Bancorp of Virginia, Inc.

Citizens Bancorp of Virginia, Inc.

CZBT
Citizens Bancorp of Virginia, Inc.US flagOther OTC
39.00
USD
-0.01
- -
82.21MMarket Cap
2006 Y
2007 Y
2008 Y
2009 Y
2010 Y
2011 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.34
5.43
5.55
5.6
5.89
6.04
7.89
7.77
8.09
9.69
10.84
10.88
- -
6.11
Basic EPS, GAAP
1.38
1.39
1.28
1.19
1.25
1.36
2.33
2.33
2.63
3.83
4
4.05
- -
1.44
Free Cash Flow per Basic Share
1.57
1.66
1.17
0.79
1.68
2.02
1.17
2.34
2.88
2.26
4.26
3.36
- -
1.99
Dividend per Share
0.69
0.65
0.68
0.68
0.68
0.68
0.94
0.96
0.99
1.02
1.07
1.1
- -
0.68
Book Value per Share
14.71
15.43
15.91
16.54
17.13
17.81
25.97
27.25
28.99
31.85
34.6
37.48
- -
17.98
Tangible Book Value per Share
14.38
15.3
15.06
16.38
16.77
17.87
25.35
27.06
28.08
23.42
28.1
31.5
- -
18.09
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
2
2
2
- -
2
Sales/Revenue/Turnover
13
13
13
13
14
14
17
17
17
21
23
23
25
14
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
23.19
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
- -
- -
Net Income, GAAP
3
3
3
3
3
3
5
5
6
8
8
9
- -
3
Effective Tax Rate (%)
28.13
28.7
27.07
26.44
24.6
23.61
17.69
18.33
19.14
19.7
18.95
19.58
- -
23.92
Profit Margin (%)
25.85
25.65
23.05
21.24
21.17
22.57
29.46
29.98
32.57
39.58
36.91
37.18
- -
23.61
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
11
5
10
11
10
12
8
9
6
10
- -
5
Total Equity
35
37
36
39
40
42
55
58
60
50
60
67
- -
42
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
4.74
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.61
9.24
8.12
7.28
7.38
7.77
10.31
8.71
9.33
12.58
12.03
11.21
- -
8.14

Capital Structure

FRC

•

in mil. unless spec.
Sep'11
Dec'11
Mar'19
ST Debt
6
- -
7
LT Borrowings
5
11
5
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
33
35
35

Working Capital

FRC

•

in mil. unless spec.
Sep'11
Dec'11
Mar'19
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
9
9
9
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3
4
4
ST Debt
6
- -
7
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
- -
Sales/Revenue/Turnover
6.75%
8.6%
8.75%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
23
2024
- -
- -
- -
- -
23
2025
- -
- -
- -
- -
25

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
4
2024
- -
- -
- -
- -
4.05
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.07
2024
- -
- -
- -
- -
1.1
2025
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
C. Taylor Quicke
Full Time Employees
108
Sector
Financial Services
Industry
Banks - Regional
Address
126 South Main Street Blackstone VA United States of America 23824
IPO Date
Oct 7, 2003
Website
cbtva.com
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Business
Citizens Bancorp of Virginia, Inc. (CZBT) is a bank holding company that operates through its subsidiary Citizens Bank and Trust Company to provide commercial banking products and services to businesses and individuals in central Virginia. The Bank offers deposit products including personal and business checking and savings accounts, certificates of deposit, individual retirement accounts, and money market accounts; lending products encompassing residential real estate, commercial real estate, farmland, commercial and industrial loans, and consumer loans; and other services such as credit cards, merchant services, Visa debit cards, online banking and bill pay, mobile banking, eStatements, coin counting, mobile debit alerts, notary services, and safe deposit boxes. It primarily serves customers in Virginia counties including Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, Powhatan, and Goochland, as well as the cities of Colonial Heights, Richmond, and Petersburg. Founded in 1873 and headquartered at 126 South Main Street in Blackstone, Virginia, the company was incorporated in 2003 and trades on the OTC Bulletin Board under the ticker CZBT. Citizens Bancorp employs 108 people and maintains six loan portfolios focused on regional banking needs. In recent developments, the company reported record earnings for 2024 on January 28, 2025, followed by solid first quarter 2025 earnings on April 24, 2025, strong second quarter 2025 earnings on July 16, 2025, and record earnings again for the third quarter on October 22, 2025. It continues a previously approved stock repurchase plan, allowing the repurchase of common shares, with contacts provided for shareholders to facilitate direct sales to the Bank. No major acquisitions, partnerships, funding rounds, or strategic shifts have been announced in the past two years.

Company News

APIChatGPT

  • defenseworld.net

    Short Interest in Citizens Bancorp of Virginia, Inc. (OTCMKTS:CZBT) Grows By 141.4%