SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Citizens Bancorp of Virginia, Inc. (CZBT) trades at a trailing P/E of 7.8. Trailing earnings yield is 12.85%. PEG 0.61 (Peter Lynch undervalued ≤1.0).
Criteria proven by this page:
- VALUE (100/100, Pass) — P/E is below market average (7.8); PEG ≤ 1.0 — Peter Lynch undervalued (0.61); earnings yield beats bond yields (12.85%).
- PEG Ratio 0.61 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 12.85% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
Overall SharesGrow Score: 71/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CZBT
Valuation Multiples
P/E (TTM)7.8
Forward P/EN/A
PEG Ratio0.61
Forward PEGN/A
P/B Ratio0.00
P/S Ratio2.49
EV/EBITDA0.0
Per Share Data
EPS (TTM)$4.57
Book Value / Share$0.00
Revenue / Share$14.25
FCF / Share$0.00
Yields & Fair Value
Earnings Yield12.85%
Dividend Yield0.00%
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.60 |
$15.13M |
$3.5M |
23.1% |
| 2017 |
$1.60 |
$15.85M |
$3.5M |
22.1% |
| 2018 |
$2.10 |
$17.23M |
$4.57M |
26.5% |
| 2019 |
$2.33 |
$19.07M |
$5.06M |
26.5% |
| 2020 |
$2.33 |
$18.64M |
$5.02M |
26.9% |
| 2021 |
$2.63 |
$18.77M |
$5.63M |
30% |
| 2022 |
$3.84 |
$22.62M |
$8.16M |
36.1% |
| 2023 |
$4.00 |
$23.07M |
$8.5M |
36.8% |
| 2024 |
$4.05 |
$22.77M |
$8.56M |
37.6% |
| 2025 |
$4.57 |
$30.05M |
$9.63M |
32.1% |
