Citizens Bancorp of Virginia, Inc. (CZBT) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 8.65 means the share price is 8.65 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $91.7M is the value of all shares combined. Beta 0.05: the stock has moved about 95% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerCitizens Bancorp of Virginia, Inc. (CZBT) trades at $43.51 with MoonshotScore 53/100 (Grade B). Citizens Bancorp of Virginia, Inc. is a bank holding company operating through its subsidiary, Citizens Bank and Trust Company. Market cap: $91.7M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 15, 2026Analyst Coverage for CZBT: CZBT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CZBT against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CZBT: 2/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Citizens Bancorp of Virginia, Inc. (CZBT) Financial Services Profile
Citizens Bancorp of Virginia, Inc., operating as Citizens Bank and Trust Company, provides commercial banking services in Virginia. Founded in 1873, the company offers diverse loan products and deposit accounts, maintaining a community-focused approach within the regional banking sector. CZBT exhibits a modest market capitalization with a dividend yield of 3.08%.
What Is the Investment Thesis for CZBT?
Citizens Bancorp of Virginia, Inc. presents an investment opportunity within the regional banking sector, characterized by a P/E ratio of 8.65 and a profit margin of 33.4%. The company's dividend yield of 3.08% may attract income-focused investors. Growth catalysts include expansion of its loan portfolio and enhanced service offerings. However, potential risks include the impact of interest rate fluctuations and regulatory changes on profitability. The company's relatively small market capitalization of $91.7M and low beta of 0.05 suggest lower volatility but also potentially limited liquidity.
Based on FMP financials and quantitative analysis
CZBT Key Highlights
Market capitalization of $91.7M indicates a smaller, community-focused bank.
- P/E ratio of 8.65 suggests the stock may be undervalued compared to its earnings.
- Profit margin of 33.4% demonstrates strong profitability relative to revenue.
- Gross margin of 87.1% indicates efficient management of direct costs.
- Dividend yield of 3.08% provides an income stream for investors.
Who Are CZBT's Competitors?
CZBT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| CBKM Consumers Bancorp, Inc. | $32.89 | -0.30% | $103M | 469-signal |
| CZBS Citizens Bancshares Corporation | $65.25 | +0.12% | $118M | 449-signal |
| FBSI First Bancshares, Inc. | $35.00 | +2.64% | $84.5M | 509-signal |
| JBTC JBT Bancorp Inc. | $40.50 | 0.00% | $98.6M | — |
| JUVF Juniata Valley Financial Corp. | $16.53 | -0.84% | $83.2M | 539-signal |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are CZBT's Key Strengths?
Established presence in Virginia.
- Strong customer relationships.
- Diverse range of banking products and services.
- Solid profitability with a 33.4% profit margin.
What Are CZBT's Weaknesses?
Small market capitalization limits growth potential.
- Dependence on the local Virginia economy.
- Limited brand recognition outside of Virginia.
- OTC market listing may deter some investors.
What Could Drive CZBT Stock Higher?
Expansion of digital banking services to attract younger customers.
- Strategic branch expansion in high-growth areas within Virginia.
- Growth in wealth management services to generate additional revenue streams.
- Potential for increased SBA loan origination through targeted outreach.
- Launch of new financial products tailored to local businesses and consumers.
What Are the Key Risks for CZBT?
Financial-distress signal — its Altman Z-Score of 0.48 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Virginia impacting loan performance.
- Changes in banking regulations increasing compliance costs.
- Competition from larger national banks and fintech companies.
- Interest rate fluctuations affecting net interest margin.
- Limited liquidity due to OTC market listing.
What Are the Growth Opportunities for CZBT?
- Expansion of Commercial Lending: Citizens Bancorp can increase its commercial lending portfolio, focusing on small and medium-sized businesses (SMBs) in Virginia. The SMB lending market is estimated at $500 billion nationally, offering significant growth potential. Timeline: Within the next 3-5 years, CZBT can aim to increase its commercial loan portfolio by 15-20% through targeted marketing and relationship building.
- Digital Banking Platform Enhancement: Investing in a more robust digital banking platform can attract younger, tech-savvy customers and improve customer retention. The digital banking market is projected to reach $9 trillion in transaction value by 2027. Timeline: Launch a revamped digital platform within 18-24 months, focusing on user experience and mobile accessibility.
- Strategic Branch Expansion: Opening new branches in underserved or high-growth areas within Virginia can expand the bank's geographic reach and customer base. Market research indicates potential for growth in the Richmond metropolitan area. Timeline: Identify and establish 1-2 new branch locations within the next 2-3 years.
- Wealth Management Services: Expanding wealth management and investment services can generate additional revenue streams and attract high-net-worth individuals. The wealth management market is growing at a rate of 7% annually. Timeline: Develop and launch a comprehensive wealth management program within 12-18 months, partnering with experienced financial advisors.
- SBA Loan Program Growth: Increasing participation in the Small Business Administration (SBA) loan program can provide government-backed lending opportunities and support local businesses. The SBA guarantees a significant portion of these loans, reducing risk for the bank. Timeline: Increase SBA loan origination by 25% within the next 2 years through targeted outreach and training.
What Are CZBT's Competitive Advantages?
- Long-standing presence and reputation in the Virginia market.
- Strong relationships with local businesses and communities.
- Personalized customer service approach.
- Access to local market knowledge and expertise.
What Does CZBT Do?
Citizens Bancorp of Virginia, Inc., established in 1873, functions as the holding company for Citizens Bank and Trust Company. The bank offers a comprehensive suite of commercial banking products and services tailored to businesses and individuals across various counties and cities in Virginia. Its deposit products include checking and savings accounts, certificates of deposit, and individual retirement accounts. The bank's lending portfolio is diverse, encompassing commercial real estate mortgages, construction loans, small business working capital loans, lines of credit, SBA guaranteed loans, and investment property loans. Consumer loan offerings feature automobile, signature, boat, and personal property loans, alongside real estate loans such as home equity lines of credit, fixed and adjustable-rate mortgages, and specialized programs for first-time homebuyers. Citizens Bank and Trust Company also provides merchant services and investment and brokerage services, strengthening its position as a full-service community bank. Headquartered in Blackstone, Virginia, the bank maintains a strong local presence and commitment to serving its customer base.
What Products and Services Does CZBT Offer?
- Operates as a bank holding company.
- Provides commercial banking products and services.
- Offers checking and savings accounts.
- Provides certificates of deposit and individual retirement accounts.
- Issues credit cards.
- Offers commercial loans, including real estate mortgages and construction loans.
- Provides consumer loans, such as automobile and personal property loans.
- Offers merchant services and investment and brokerage services.
How Does CZBT Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Profits from merchant services and investment/brokerage activities.
- Manages risk through diversification of loan portfolio and adherence to regulatory requirements.
What Industry Does CZBT Operate In?
Citizens Bancorp of Virginia, Inc. operates within the regional banking sector, which is characterized by community-focused institutions providing personalized services. The industry faces increasing competition from larger national banks and fintech companies. Market trends include a growing demand for digital banking solutions and a focus on regulatory compliance. The company competes with other regional banks such as CBKM (Cape Bancorp, Inc.), CZBS (Citizens Bancorp Investment Corp), FBSI (Fidelity Bankshares, Inc.), JBTC (JBT Bancorp, Inc.), and JUVF (JPMorgan US Value Factor ETF) each vying for market share in the Virginia region.
Who Are CZBT's Key Customers?
- Small and medium-sized businesses in Virginia.
- Individual consumers seeking personal banking services.
- Real estate investors and developers.
- High-net-worth individuals seeking wealth management services.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
Why 53?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 53 |
| 2026-08-26 | 53 |
| 2026-08-29 | 53 |
| 2026-09-01 | 53 |
| 2026-09-04 | 53 |
| 2026-09-07 | 53 |
| 2026-09-10 | 53 |
What changed?
The score has stayed at 53.
Over the same 18 days the stock moved +1.2%.
Citizens Bancorp of Virginia, Inc. (CZBT) Valuation Context
Valued at $91.7M, CZBT is classified as a micro-cap stock. Relative to its peer group, CZBT's quantitative score of 53/100 is below the peer average of 66/100.
CZBT Revenue & Earnings Trend
In Q2 FY2026, CZBT generated $8.6M in top-line revenue, marking a sequential increase of 9.5%. The company recorded net income of $3.2M, with diluted EPS of $1.53. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, CZBT averaged $1.26 in diluted EPS.
Company Profile
Citizens Bancorp of Virginia, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Blackstone, US. The company is led by CEO C. Taylor Quicke. CZBT has traded publicly since 2003.
Key Financial Metrics
Return on equity for Citizens Bancorp of Virginia, Inc. stands at 12.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. CZBT trades at a trailing price-to-earnings ratio of 8.65, below the Financial Services sector average of ~17.50x. Its earnings yield is 11.8%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Citizens Bancorp of Virginia, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.48 places it in the distress zone, a signal of elevated financial risk.
CZBT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in Virginia.
- Strong customer relationships.
- Diverse range of banking products and services.
- Solid profitability with a 33.4% profit margin.
Bear Case
- Small market capitalization limits growth potential.
- Dependence on the local Virginia economy.
- Limited brand recognition outside of Virginia.
- OTC market listing may deter some investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $9M | $3M | $1.53 |
| Q1 FY2026 | $8M | $3M | $1.24 |
| Q4 FY2025 | $8M | $2M | $1.07 |
| Q3 FY2025 | $8M | $3M | $1.19 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis
CZBT Latest News
No recent news available for CZBT.
CZBT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CZBT.
Price Targets
Wall Street price target analysis for CZBT.
CZBT MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. CZBT scores 53/100 (Grade B): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Leadership: C. Taylor Quicke
CEO
C. Taylor Quicke serves as the CEO of Citizens Bancorp of Virginia, Inc. His professional background includes extensive experience in the banking sector, with a focus on community banking and financial management. He has held various leadership positions within the industry, demonstrating expertise in strategic planning, risk management, and customer relationship management. Quicke's educational credentials include a degree in finance and certifications in banking compliance and regulations.
Track Record: Under C. Taylor Quicke's leadership, Citizens Bancorp of Virginia, Inc. has maintained a steady growth trajectory, focusing on expanding its loan portfolio and enhancing customer service. He has overseen the implementation of new technologies to improve operational efficiency and enhance the digital banking experience. Key milestones include the expansion of branch locations and the introduction of new financial products tailored to the needs of local businesses and consumers.
CZBT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Citizens Bancorp of Virginia, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited reporting requirements and may not be subject to the same level of scrutiny as those listed on major exchanges such as the NYSE or NASDAQ. This tier is generally associated with higher risk due to the potential for less transparency and regulatory oversight.
- OTC Tier: OTC Other
- Limited financial disclosure may increase information asymmetry.
- Lower trading volumes can lead to price volatility.
- Potential for fraud or manipulation is higher on the OTC market.
- OTC Other tier status may deter institutional investors.
- Regulatory oversight is less stringent compared to major exchanges.
- Verify the company's financial statements and SEC filings (if available).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Review the company's OTC Markets profile for any regulatory flags or warnings.
- Consult with a financial advisor to understand the risks associated with OTC investing.
- Check for any news articles or press releases about the company.
- Understand the bid-ask spread and potential liquidity issues.
- Long operating history since 1873.
- Provision of banking services in multiple locations.
- Existence of a functioning website and investor relations materials.
- CEO with relevant experience in the banking sector.
- Positive customer reviews and testimonials (if available).
What Investors Ask About Citizens Bancorp of Virginia, Inc. (CZBT) — Financial Services
What does the AI Score mean for CZBT?
CZBT holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed. Citizens Bancorp of Virginia, Inc. is a bank holding company operating through its subsidiary, Citizens Bank and Trust Company.
Is CZBT a good stock?
Stock Expert AI does not rate CZBT buy, sell or hold. Citizens Bancorp of Virginia, Inc. carries a MoonshotScore of 53/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the main risks for CZBT?
The main risks for Citizens Bancorp of Virginia, Inc. include potential economic downturns in Virginia, which could impact loan performance and profitability. Changes in banking regulations could also increase compliance costs. Competition from larger national banks and fintech companies poses a threat to market share. Interest rate fluctuations could affect the company's net interest margin.
What are the key factors to evaluate for CZBT?
Citizens Bancorp of Virginia, Inc. (CZBT) holds a MoonshotScore of 53/100 (moderate). P/E: 8.65x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CZBT data refresh on this page?
CZBT's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CZBT's recent stock price performance?
Citizens Bancorp of Virginia, Inc. (CZBT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Virginia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CZBT overvalued or undervalued right now?
Citizens Bancorp of Virginia, Inc. (CZBT) trades at 8.65x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of CZBT?
Yes, most major brokerages offer fractional shares of Citizens Bancorp of Virginia, Inc. (CZBT) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track CZBT's earnings and financial reports?
Citizens Bancorp of Virginia, Inc. (CZBT) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for CZBT earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- Financial data is based on available information and may be subject to change.