Citizens Bancorp of Virginia, Inc (CZBT) Fair Value & Analysis
Financial Services · US · Market cap $82.2M
Citizens Bancorp of Virginia, Inc
CZBT · US
Fair value as of: Jul 26, 2026
From 6 valuation models · updated 15 days ago
Share price +6.4% over the past month.
A solid business, screening 43% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($44.64). The market is more pessimistic than our downside scenario.
- Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $12.06 – $42.85 · fair‑value band $44.64 – $74.40 · the $41.50 price screens below the $59.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Citizens Bancorp of Virginia, Inc (CZBT) currently trades at $41.50, while our model-based Fair Value estimate is $59.52, implying the stock looks roughly 43.4% undervalued today. The Quality Score stands at 59/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Citizens Bancorp of Virginia, Inc generated revenue of $25.8M at a net margin of 38.2%. Revenue grew 9.3% year over year. It earns a return on equity of 13.0%. Net debt stands at $2.4M. Fundamentals as of Jul 26, 2026
Our scenario range runs from $44.64 (bear case) to $74.40 (bull case); at $41.50, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 52% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 43%, CZBT screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($53.21) versus Dividend Discount ($11.34). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 81
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Citizens Bancorp of Virginia, Inc. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States.
Full company description
Citizens Bancorp of Virginia, Inc. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States. The company offers personal and business checking, savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also provides personal lending products, including automobile, signature, boat, and personal property loans; in-house and conventional fixed-rate financing, USDA rural development, veterans affairs home loans, and FHA and FHLB lending products; and home equity lines of credit, fixed-rate mortgages, and adjustable-rate mortgages. In addition, the company offers commercial real estate mortgages, commercial real estate construction loans, small business working capital loans, small business lines of credit, SBA guaranteed loans, and investment property loans; commercial real estate products; and small business lending products. Further, it provides debit and credit cards; coin counting; eStatements; notary services; safe deposit boxes; mobile and online banking; ACH payments; wire transfers; positive pay; bill pay; merchant services; and wealth management services comprising financial and retirement planning, IRA rollovers, business retirement plans, fixed and variable annuities, 529 college savings plans, trusts and estate planning, and tax-advantaged investments. Citizens Bancorp of Virginia, Inc. was founded in 1873 and is headquartered in Blackstone, Virginia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Citizens Bancorp of Virginia, Inc reported revenue of $30.0M in FY2025 versus $18.3M in FY2021, a compound +13.2%/yr. Reported net income was $9.6M in FY2025, compounding +14.4%/yr from FY2021.
of which total revenue +7.4 pp · buybacks/dilution +0.6 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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