Added to YB: 2026-03-04
Pitch date: 2026-02-19
CZBT [neutral]
Citizens Bancorp of Virginia, Inc.
+4.06%
current return
Author Info
No bio for this author
Company Info
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.
Market Cap
$75.2M
Pitch Price
$36.00
Price Target
N/A
Dividend
3.24%
EV/EBITDA
N/A
P/E
7.82
EV/Sales
N/A
Sector
Banks
Category
value
Small Cap Bank Earning 14% ROE at 0.94x BV - Citizens Bancorp of Virginia, Inc.
CZBT (watchlist): VA community bank founded 1873, $578M assets, 14% ROE, 1.80% ROA at just 7.75x leverage, 0.94x TBV. Strong credit (minimal charge-offs), 57% loaned up, conservative 93% RE loans. Key advantage: 81bp deposit cost vs peers at 181bp. Risk: if funding advantage erodes, ROA could drop 100bp to 0.77%, ROE falls to 6.2%. Active buybacks.
Read full article (3 min)