Citizens Bancorp of Virginia Inc (CZBT)

Citizens Bancorp of Virginia, Inc. is the bank holding company for Citizens Bank and Trust Company, a community banking organization serving businesses and individuals in the United States. Through its banking subsidiary, the company provides deposit products such as checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its lending activities include consumer loans, home equity and mortgage products, construction financing, commercial real estate loans, small business credit, SBA-guaranteed loans, and other commercial lending solutions. The company also offers debit and credit cards, online and mobile banking, merchant services, coin counting, notary services, and safe deposit boxes. In addition, Citizens Bancorp of Virginia provides wealth management and retirement-related services, including financial planning, IRA rollovers, trusts and estate planning, annuities, and tax-advantaged investments. Founded in 1873, the company is based in Blackstone, Virginia, and its common stock trades on OTC Markets under the symbol CZBT.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Altman Z-Score Payout Ratio
OTC-CZBT
$48.37
9.9% Upside
Fair
Not available
Not available
Good
October 1, 2026
October 15, 2026
2.9%
October 20, 2026
8.6x
1.1x
3.4x
92.464 M
5.2%
-0.9
24.9%
Valuation • Fair Value

Citizens Bancorp of Virginia Inc (OTC-CZBT) Fair Value by Valuation Model

Review the available estimates for Citizens Bancorp of Virginia Inc (OTC-CZBT), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$48.37

Estimated upside of 9.9% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$55.83

Classic Ben Graham valuation formula reference.

DDM Fair Value

$80.23

Dividend discount model valuation reference.

Comps Fair Value

$37.75

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Citizens Bancorp of Virginia Inc (OTC-CZBT) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Citizens Bancorp of Virginia Inc (OTC-CZBT)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

26.946 M

Current operating scale indicator.

Revenue Forecast

27.177 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Citizens Bancorp of Virginia Inc (OTC-CZBT) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Citizens Bancorp of Virginia Inc (OTC-CZBT)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Altman Z-Score

-0.9

Lower score that deserves closer risk review.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Citizens Bancorp of Virginia Inc (OTC-CZBT). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Citizens Bancorp of Virginia Inc (OTC-CZBT)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 20, 2026

Days to Earnings

28

Dividend Payment Date

October 15, 2026

Ex-Dividend Date

October 1, 2026

Dividend Yield

2.9%

Current income yield reference.

Payout Ratio

24.9%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Citizens Bancorp of Virginia Inc (OTC-CZBT), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Citizens Bancorp of Virginia Inc (OTC-CZBT) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Citizens Bancorp of Virginia Inc (OTC-CZBT) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Citizens Bancorp of Virginia Inc (OTC-CZBT) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Citizens Bancorp of Virginia Inc (OTC-CZBT) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Citizens Bancorp of Virginia Inc (OTC-CZBT) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Citizens Bancorp of Virginia Inc (OTC-CZBT) Stock FAQ

Data-supported answers about Citizens Bancorp of Virginia Inc (OTC-CZBT), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$48.37
Estimated upside 9.9%
Valuation Rating
Undervalued
Estimated upside of 9.9%
Financial Health
Good
Current financial-health read

The current fair value estimate for Citizens Bancorp of Virginia Inc (OTC-CZBT) is $48.37. This implies an estimated upside of 9.9% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 9.9% versus the current market price.

The current financial health read for Citizens Bancorp of Virginia Inc (OTC-CZBT) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Citizens Bancorp of Virginia Inc (OTC-CZBT) is October 20, 2026.

Based on the current data, dividend yield is 2.9%, ex-dividend date is October 1, 2026, payment date is October 15, 2026.

The current P/E ratio listed for Citizens Bancorp of Virginia Inc (OTC-CZBT) is 8.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Citizens Bancorp of Virginia Inc is 92.464 M.

The ticker symbol for Citizens Bancorp of Virginia Inc is OTC-CZBT, and the stock is listed on OTC Markets.

Citizens Bancorp of Virginia Inc (OTC-CZBT) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Citizens Bancorp of Virginia Inc is 5.2%, which helps investors evaluate the company’s financing structure and leverage profile.