Citizens Bancorp of Virginia, Inc. Financial Ratios — CZBT

Profitability (USD)

	2004 Y	2005 Y	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
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	7.67	9.41	9.82	9.38	8.38	7.52	7.5	7.84	10.43	8.85	9.51	14.86	15.51	13.55	- -
Return on Assets (%)	0.9	1.12	1.21	1.19	1.04	0.9	0.9	0.97	1.37	1.11	1.06	1.43	1.51	1.55	- -
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	6.96	6.76	5.45	5.64	4.73	4.59	4.25	3.71	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.56	33.45	35.97	35.97	31.61	28.87	28.08	29.54	35.79	36.71	40.28	49.29	45.53	46.23	- -
Profit Margin (%)	20.87	24.93	25.85	25.65	23.05	21.24	21.17	22.57	29.46	29.98	32.57	39.58	36.91	37.18	- -
Net Income to Common Margin (%)	20.87	24.93	25.85	25.65	23.05	21.24	21.17	22.57	29.46	29.98	32.57	39.58	36.91	37.18	- -
Effective Tax Rate (%)	21.42	25.47	28.13	28.7	27.07	26.44	24.6	23.61	17.69	18.33	19.14	19.7	18.95	19.58	- -
Dvd Payout Ratio (%)	55.38	47.2	50.04	46.69	53.04	57.09	54.49	49.82	40.42	41.12	37.56	26.59	26.75	27.16	- -
Sustainable Growth Rate (%)	3.42	4.97	4.91	5	3.94	3.23	3.41	3.93	6.22	5.21	5.94	10.91	11.36	9.87	- -

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	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
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	5	4	7	16	10	15	11	10	12	8	9	6	10	- -
ST Debt	- -	5	4	7	5	5	5	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	11	5	10	11	10	12	8	9	6	10	- -
Total Debt/EBITDA	- -	5.39	6.16	9.81	25.53	17.11	25.83	20.99	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-12.1	-4.97	-6.49	-8.64	-6.68	4.96	13.53	4.35	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.55	12.25	12.48	12.87	11.91	12.15	11.99	12.73	13.39	11.83	10.58	8.68	10.77	12.06	- -
Long-Term Debt/Equity (%)	- -	- -	- -	- -	30.27	12.82	25.6	26.31	17.92	20.39	12.58	17.05	9.43	15.18	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	20.94	10.11	18.47	20.83	15.19	16.94	11.18	14.57	8.62	13.18	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	3.6	1.56	3.07	3.35	2.4	2.41	1.33	1.48	1.02	1.83	- -
Total Debt/Equity (%)	- -	13.56	12.46	19.62	44.53	26.89	38.59	26.31	17.92	20.39	12.58	17.05	9.43	15.18	- -
Total Debt/Capital (%)	- -	11.94	11.08	16.4	30.81	21.19	27.85	20.83	15.19	16.94	11.18	14.57	8.62	13.18	- -
Total Debt/Total Assets (%)	- -	1.66	1.56	2.53	5.3	3.27	4.63	3.35	2.4	2.41	1.33	1.48	1.02	1.83	- -
Net Debt to Equity	-30.74	-12.5	-13.13	-17.27	-11.65	7.79	20.22	5.45	-12.74	-25.01	-17.32	-18.1	-12.84	-10.27	- -
Net Debt/Capital (%)	-44.39	-14.28	-15.11	-20.88	-13.18	7.22	16.82	5.17	-12.11	-26.22	-18.18	-18.3	-13.29	-9.79	- -
EBITDA	1	1	1	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	1	1	1	1	- -	- -	- -	- -	-2	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	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
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.55	12.25	12.48	12.87	11.91	12.15	11.99	12.73	13.39	11.83	10.58	8.68	10.77	12.06	- -
Long-Term Debt/Equity (%)	- -	- -	- -	- -	30.27	12.82	25.6	26.31	17.92	20.39	12.58	17.05	9.43	15.18	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	20.94	10.11	18.47	20.83	15.19	16.94	11.18	14.57	8.62	13.18	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	3.6	1.56	3.07	3.35	2.4	2.41	1.33	1.48	1.02	1.83	- -
Total Debt/Equity (%)	- -	13.56	12.46	19.62	44.53	26.89	38.59	26.31	17.92	20.39	12.58	17.05	9.43	15.18	- -
Total Debt/Capital (%)	- -	11.94	11.08	16.4	30.81	21.19	27.85	20.83	15.19	16.94	11.18	14.57	8.62	13.18	- -
Total Debt/Total Assets (%)	- -	1.66	1.56	2.53	5.3	3.27	4.63	3.35	2.4	2.41	1.33	1.48	1.02	1.83	- -
CFO/Total Liabilities	1.55	1.69	1.56	1.61	1.29	0.81	1.43	1.71	1.38	1.22	1.25	0.97	1.86	1.56	- -
CFO/CapEx	- -	- -	- -	- -	5.47	5.74	22.61	27.42	2.06	20.09	33.65	19.65	59.24	16.09	- -
Altman's Z-Score	0.25	0.26	0.33	0.31	0.28	0.27	0.27	0.29	0.32	0.27	0.24	0.27	0.3	0.32	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	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
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	7.99	7.74	7.38	7.2	7.44	7.41	7.58	8.2	21.01	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	45.67	47.14	49.44	50.69	49.04	49.29	48.18	44.53	17.37	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2004 Y	2005 Y	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
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	21	19	45	37	28	30	31	34	54	50	49	61	62	62	72
- Cash & Cash Equivalents	10	9	9	14	20	7	7	9	7	15	10	9	8	7	- -
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	5	4	7	16	10	15	11	10	12	8	9	6	10	- -
Enterprise Value	11	15	41	30	23	33	39	37	57	48	46	60	60	65	72
Total Capital	32	38	39	45	53	49	55	53	65	70	68	58	65	77	- -
Total Debt/Capital (%)	- -	11.94	11.08	16.4	30.81	21.19	27.85	20.83	15.19	16.94	11.18	14.57	8.62	13.18	- -
Total Debt / EV	- -	0.31	0.11	0.24	0.69	0.32	0.39	0.3	0.17	0.25	0.16	0.14	0.09	0.15	- -
EV/Sales	0.93	1.19	3.13	2.3	1.75	2.49	2.79	2.6	3.32	2.84	2.67	2.92	2.59	2.84	2.86
EV/EBITDA	13.44	17.56	57.55	40.79	36.87	54.3	65.58	70	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.87	3.66	10.65	7.5	6.76	14.6	9.34	7.48	11.57	8.97	7.28	11.88	6.48	8.63	- -
EV/Free Cash Flow to Firm	2.87	3.66	10.65	7.5	5.72	12.43	8.94	7.22	7.79	8.54	7.07	11.3	6.37	8.13	- -
Diluted Market Cap	21	19	46	38	28	30	31	35	55	51	49	61	62	62	- -
Diluted Enterprise Value	12	15	42	31	24	33	39	37	58	48	46	60	60	66	- -
EV per Share	4.63	6.16	17.03	12.71	9.75	14.03	16.5	15.78	26.58	22.19	21.67	28.3	28.04	31.05	34
TTM Sales	12	12	13	13	13	13	14	14	17	17	17	21	23	23	25
TTM EBITDA	1	1	1	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	4	4	4	3	2	4	5	5	5	6	5	9	8	- -
TTM Free Cash Flow to Firm	4	4	4	4	4	3	4	5	7	6	7	5	9	8	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	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
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	5.57	4.78	12.06	9.26	6.8	11.34	7.13	6.82	7.51	9.07	7.53	11.41	6.59	7.75	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	11	15	41	30	23	33	39	37	57	48	46	60	60	65	72
Low Price	16	17	17.15	15.1	11.25	9	10.75	12.75	22.75	17.66	23	25	26.56	24.75	25.88
EV/Sales	0.93	1.19	3.13	2.3	1.75	2.49	2.79	2.6	3.32	2.84	2.67	2.92	2.59	2.84	2.86
EV/EBITDA	13.44	17.56	57.55	40.79	36.87	54.3	65.58	70	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	8.69	6.22	13.73	11.07	9.01	10.72	10.51	10.86	10.86	10.07	8.73	7.44	7.25	7.29	- -
Price/Earnings Average	8.01	6.25	10.28	12.32	11.53	10.27	10.2	10.38	10.86	10.58	10.06	7.4	7.24	6.82	- -
Price/Earnings High	19.77	15.93	13.77	13.72	12.9	12.15	11.43	11.37	11.4	14.17	11.38	8.08	7.85	7.66	- -
Price/Earnings Low	15.81	13.37	12.43	10.85	8.79	7.57	8.62	9.35	9.78	7.58	8.73	6.52	6.64	6.12	- -
Price/Book Value	0.65	0.57	1.3	0.99	0.76	0.78	0.78	0.82	0.98	0.86	0.82	1.22	1.03	0.93	- -
Price/Book Value Average	0.6	0.57	0.97	1.1	0.97	0.74	0.76	0.79	0.98	0.91	0.94	1.21	1.03	0.87	- -
Price/Book Value High	1.48	1.45	1.3	1.23	1.09	0.88	0.85	0.86	1.03	1.21	1.06	1.32	1.12	0.98	- -
Price/Book Value Low	1.18	1.22	1.17	0.97	0.74	0.55	0.64	0.71	0.88	0.65	0.82	1.07	0.94	0.78	- -
Price/Tangible Book Value	0.65	0.57	1.3	0.99	0.76	0.78	0.78	0.82	0.98	0.86	0.82	1.22	1.03	0.93	- -
Price/Tangible Book Value Average	0.6	0.57	0.97	1.1	0.97	0.74	0.76	0.79	0.98	0.91	0.94	1.21	1.03	0.87	- -
Price/Tangible Book Value High	1.48	1.45	1.3	1.23	1.09	0.88	0.85	0.86	1.03	1.21	1.06	1.32	1.12	0.98	- -
Price/Tangible Book Value Low	1.18	1.22	1.17	0.97	0.74	0.55	0.64	0.71	0.88	0.65	0.82	1.07	0.94	0.78	- -
Price/Sales	1.81	1.55	3.55	2.84	2.08	2.28	2.22	2.45	3.2	3.02	2.84	2.95	2.68	2.71	- -
Price/Sales Average	1.67	1.56	2.66	3.16	2.66	2.18	2.16	2.34	3.2	3.17	3.27	2.93	2.67	2.54	- -
Price/Sales High	4.13	3.97	3.56	3.52	2.97	2.58	2.42	2.57	3.36	4.25	3.71	3.2	2.9	2.85	- -
Price/Sales Low	3.3	3.33	3.21	2.78	2.03	1.61	1.83	2.11	2.88	2.27	2.84	2.58	2.45	2.27	- -
Price/Cash Flow	5.57	4.78	12.06	9.26	8.04	13.32	7.44	7.06	11.15	9.52	7.75	12	6.7	8.23	- -
Price/Cash Flow Average	5.13	4.8	9.03	10.3	10.29	12.75	7.23	6.76	11.16	10.01	8.93	11.93	6.69	7.7	- -
Price/Cash Flow High	12.66	12.23	12.09	11.48	11.52	15.09	8.1	7.4	11.71	13.4	10.1	13.02	7.25	8.65	- -
Price/Cash Flow Low	10.13	10.27	10.92	9.08	7.85	9.4	6.11	6.09	10.05	7.17	7.75	10.5	6.14	6.91	- -
Price/Free Cash Flow Average	5.13	4.8	9.03	10.3	8.7	10.86	6.92	6.52	7.51	9.53	8.67	11.35	6.58	7.25	- -
Price/Free Cash Flow High	12.66	12.23	12.09	11.48	9.74	12.85	7.76	7.14	7.88	12.77	9.81	12.39	7.13	8.15	- -
Price/Free Cash Flow Low	10.13	10.27	10.92	9.08	6.64	8	5.85	5.87	6.77	6.83	7.53	10	6.03	6.5	- -
EV/Sales Average	0.8	1.19	2.26	2.62	2.32	2.4	2.73	2.49	3.32	2.99	3.1	2.9	2.58	2.67	2.54
EV/Sales High	3.2	3.56	3.14	2.97	2.64	2.8	2.98	2.71	3.47	4.06	3.53	3.17	2.81	2.98	2.87
EV/Sales Low	2.39	2.94	2.8	2.25	1.7	1.83	2.39	2.26	3.01	2.1	2.67	2.55	2.36	2.41	2.17
EV/EBITDA Average	11.44	17.67	41.47	46.38	49.07	52.22	64.08	67.14	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	46	52.72	57.72	52.67	55.69	60.88	70.15	73.11	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	34.38	43.46	51.47	39.83	35.85	39.79	56.24	60.91	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.79	7.91	18.95	15.4	11.52	12.75	13.1	14.8	25.25	23.45	23	28.55	29	29.5	34
High Price	20	20.25	19	19.1	16.5	14.45	14.25	15.5	26.5	33	29.97	31	31.38	31	34.22
Enterprise Value Average	9	15	29	35	31	32	38	35	57	50	54	60	59	61	63
Enterprise Value High	38	44	41	39	35	37	42	38	60	68	61	65	65	69	72
Enterprise Value Low	28	37	36	30	23	24	33	32	52	35	46	53	54	55	54

Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	- -
Revenue per Share	4.85	5.1	5.34	5.43	5.55	5.6	5.89	6.04	7.89	7.77	8.09	9.69	10.84	10.88	- -
EBITDA per Share	0.34	0.34	0.29	0.31	0.26	0.26	0.25	0.22	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.01	1.27	1.38	1.39	1.28	1.19	1.25	1.36	2.33	2.33	2.63	3.83	4	4.05	- -
Basic EPS from Cont Ops	1.01	1.27	1.38	1.39	1.28	1.19	1.25	1.36	2.33	2.33	2.63	3.83	4	4.05	- -
Diluted EPS, GAAP	1.01	1.27	1.38	1.39	1.28	1.19	1.25	1.36	2.33	2.33	2.63	3.83	4	4.05	- -
Diluted EPS from Cont Ops	1.01	1.27	1.38	1.39	1.28	1.19	1.25	1.36	2.33	2.33	2.63	3.83	4	4.05	- -
Dividend per Share	0.56	0.6	0.69	0.65	0.68	0.68	0.68	0.68	0.94	0.96	0.99	1.02	1.07	1.1	- -
Cash Flow per Share	1.58	1.66	1.57	1.66	1.43	0.96	1.76	2.1	2.26	2.46	2.97	2.38	4.33	3.58	- -
Free Cash Flow per Basic Share	1.58	1.66	1.57	1.66	1.17	0.79	1.68	2.02	1.17	2.34	2.88	2.26	4.26	3.36	- -
Cash & Equivalents per Share	4.16	3.64	3.74	5.75	8.52	3.14	3.1	3.75	3.28	6.8	4.88	4.25	3.61	3.25	- -
Book Value per Share	13.54	13.96	14.63	15.58	15.17	16.44	16.84	17.99	25.74	27.21	28.15	23.45	28.11	31.63	- -
Tangible Book Value per Share	13.54	13.96	14.63	15.58	15.17	16.44	16.84	17.99	25.74	27.21	28.15	23.45	28.11	31.63	- -

Citizens Bancorp of Virginia, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)