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Citizens Bancorp of Virginia, Inc (CZBT) Fair Value & Analysis

Financial Services · US · Market cap $82.2M

Price$39.00
Fair Value$59.52
Upside+52.6%
Quality95/100
Evidence: High Range $44.64 – $74.40

Fair value as of: Jun 26, 2026

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Analysis

Citizens Bancorp of Virginia, Inc (CZBT) currently trades at $39.00, while our model-based Fair Value estimate is $59.52 — implying the stock looks roughly 52.6% undervalued today. We read business quality at 95/100 (high 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.

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. 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…

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Frequently asked questions

Is Citizens Bancorp of Virginia, Inc (CZBT) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $59.52 versus a price of $39.00 — about +53% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CZBT?
Our 21-model fair value for Citizens Bancorp of Virginia, Inc is $59.52 (as of Jun 26, 2026), built from audited fundamentals. The current price is $39.00.
What is the quality score of CZBT?
Citizens Bancorp of Virginia, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.