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Citizens Bancorp of Virginia, Inc. CZBT OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Citizens Bancorp of Virginia, Inc. (CZBT) is a Banks - Regional company in the Financial Services sector, currently trading at $35.55. It has a SharesGrow Score of 71/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $30M, +10.9%/yr average growth. Net income is $10M, growing at +5.8%/yr. Net profit margin is 32.1% (strong). Gross margin is 83.5% (-16.5 pp trend).

Balance sheet: total debt is $8M against $80M equity (Debt-to-Equity (D/E) ratio 0.1, conservative). Current ratio is 0.52 (tight liquidity). Debt-to-assets is 1.4%. Total assets: $579M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 100/100 (Pass).

CZBT SharesGrow Score Overview

74/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 100/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CZBT

CZBT trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CZBT: +10.9%/yr revenue is, +5.8%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CZBT: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CZBT: Debt-to-Equity (D/E) ratio 0.1 (conservative), Current ratio is 0.52 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CZBT: Gross margin is 83.5% (-16.5 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

CZBT: Net profit margin is 32.1%. strong (≥30%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range25.88-38

Volume300

Avg Volume (30D)630

Market Cap$74.94M

Beta (1Y)0.03

Dividend Yield$1.1600

Share Statistics

EPS (TTM)4.57

Shares Outstanding$2.11M

IPO Date2003-10-07

CEOC. Taylor Quicke

Financial Highlights & Ratios

Revenue (TTM)$30.05M

Gross Profit$25.1M

EBITDA$11.9M

Net Income$9.63M

Operating Income$11.9M

Total Debt$8.07M

Net Debt$8.07M

Total Assets$578.57M

Price / Earnings (P/E)7.8

Price / Sales (P/S)2.49

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS17316V1044

Price Chart

CZBT

Citizens Bancorp of Virginia, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

25.88 52WK RANGE 38.00

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