AI Analysis

How does CZBT make money? Does CZBT have pricing power? What's the Earnings Whisper? Will CZBT profit more as the business scales? What is CZBT's management track record? Is CZBT's current price justified?

Citizens Bancorp of Virginia, Inc.

$43.51 +$10.00 (+29.84%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$43.51

Day Range

$42.8$43.51

Year Range

$31.5$43.51

Market Cap

91.72M

AVG Volume

1.2K

Trailing/Forward PE

8.65/-

PEG ratio

0.53

Dividend Yield

2.71%

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD) · TTM

CZBT Revenue (USD) · TTM by quarter
Period	Revenue (USD) · TTM
26 Q2	31.75M
26 Q1	29.44M
25 Q4	28.8M
25 Q3	28.16M
25 Q2	27.54M
25 Q1	28.18M
24 Q4	27.6M
24 Q3	27.14M
24 Q2	26.91M
24 Q1	26.37M

Net Income (USD) · TTM

CZBT Net Income (USD) · TTM by quarter
Period	Net Income (USD) · TTM
26 Q2	10.59M
26 Q1	9.87M
25 Q4	9.63M
25 Q3	9.39M
25 Q2	9.12M
25 Q1	8.77M
24 Q4	8.56M
24 Q3	8.08M
24 Q2	8.26M
24 Q1	8.37M

Operating Income (USD) · TTM

CZBT Operating Income (USD) · TTM by quarter
Period	Operating Income (USD) · TTM
26 Q2	13.01M
26 Q1	13.15M
25 Q4	13.78M
25 Q3	14.43M
25 Q2	14.11M
25 Q1	13.62M
24 Q4	13.29M
24 Q3	11.78M
24 Q2	11.99M
24 Q1	11.3M

EBITDA (USD) · TTM

CZBT EBITDA (USD) · TTM by quarter
Period	EBITDA (USD) · TTM
26 Q2	13.01M
26 Q1	12.2M
25 Q4	11.9M
25 Q3	11.61M
25 Q2	11.29M
25 Q1	10.87M
24 Q4	10.65M
24 Q3	10.04M
24 Q2	10.19M
24 Q1	10.32M

EPS (USD) · TTM

CZBT EPS (USD) · TTM by quarter
Period	EPS (USD) · TTM
26 Q2	5.03
26 Q1	4.69
25 Q4	4.57
25 Q3	4.45
25 Q2	4.32
25 Q1	4.15
24 Q4	4.05
24 Q3	3.82
24 Q2	3.9
24 Q1	3.95

Expenses (USD) · TTM

CZBT Expenses (USD) · TTM by quarter
Period	Expenses (USD) · TTM
26 Q2	9.72M
26 Q1	9.51M
25 Q4	9.25M
25 Q3	9.04M
25 Q2	8.44M
25 Q1	8.43M
24 Q4	8.35M
24 Q3	9.2M
24 Q2	9.68M
24 Q1	9.63M

Dividends (USD)

CZBT Dividends (USD) by quarter
Period	Dividends (USD)
Jul 26	0.3
Apr 26	0.3
Jan 26	0.29
Oct 25	0.29
Jul 25	0.28
Apr 25	0.28
Jan 25	0.28
Oct 24	0.28
Jul 24	0.27
Mar 24	0.27

PE Ratio

CZBT PE Ratio by quarter
Period	PE Ratio
Sep 26	9.27
Sep 26	9.27
Aug 26	9.27
Aug 26	9.17
Aug 26	9.13
Aug 26	8.85
Jul 26	8.95
Jul 26	8.53
Jul 26	8.32
Jul 26	8.31
Jul 26	8.23
Jun 26	8.68
Jun 26	8.52
Jun 26	8.47
Jun 26	8.39
May 26	8.45
May 26	8.52
May 26	8.52
May 26	8.52
May 26	8.52
Apr 26	8.52
Apr 26	8.9
Apr 26	7.76
Apr 26	8.3
Mar 26	8.41
Mar 26	8.4
Mar 26	8.29
Mar 26	8.4
Feb 26	8.02
Feb 26	7.75
Feb 26	8.04
Feb 26	7.68
Jan 26	7.64
Jan 26	7.54
Jan 26	7.6
Jan 26	7.53
Jan 26	7.51
Dec 25	7.86
Dec 25	7.8
Dec 25	7.78
Dec 25	7.86
Nov 25	7.43
Nov 25	7.63
Nov 25	7.58
Nov 25	7.57
Oct 25	7.63
Oct 25	7.57
Oct 25	7.71
Oct 25	7.28
Oct 25	7.34
Sep 25	7.63
Sep 25	7.63
Sep 25	7.57
Sep 25	7.57
Aug 25	7.53
Aug 25	7.51
Aug 25	7.33
Aug 25	7.96
Aug 25	7.29
Jul 25	7.33
Jul 25	6.97
Jul 25	7.19
Jul 25	7.09
Jun 25	7.07
Jun 25	6.91
Jun 25	7.08
Jun 25	7.08
May 25	7.08
May 25	6.97
May 25	7.06
May 25	7.06
May 25	7.09
Apr 25	6.84
Apr 25	6.79
Apr 25	6.37
Apr 25	6.52
Mar 25	7.22
Mar 25	7.19
Mar 25	7.29
Mar 25	7.29
Feb 25	7.32
Feb 25	7.32
Feb 25	7.36
Feb 25	7.45
Jan 25	7.5
Jan 25	7.63
Jan 25	7.58
Jan 25	7.58
Jan 25	7.71
Dec 24	7.69
Dec 24	7.7
Dec 24	7.69
Dec 24	7.56
Nov 24	7.94
Nov 24	7.94
Nov 24	7.69
Nov 24	7.56
Nov 24	7.3
Oct 24	7.43
Oct 24	7.43

Price to Sales

CZBT Price to Sales by quarter
Period	Price to Sales
Sep 26	3.11
Sep 26	3.11
Aug 26	3.11
Aug 26	3.07
Aug 26	3.06
Aug 26	2.97
Jul 26	3
Jul 26	2.86
Jul 26	2.79
Jul 26	2.79
Jul 26	2.76
Jun 26	2.9
Jun 26	2.85
Jun 26	2.83
Jun 26	2.81
May 26	2.83
May 26	2.85
May 26	2.85
May 26	2.85
May 26	2.85
Apr 26	2.85
Apr 26	2.98
Apr 26	2.6
Apr 26	2.78
Mar 26	2.8
Mar 26	2.8
Mar 26	2.76
Mar 26	2.8
Feb 26	2.67
Feb 26	2.58
Feb 26	2.68
Feb 26	2.56
Jan 26	2.55
Jan 26	2.51
Jan 26	2.53
Jan 26	2.51
Jan 26	2.5
Dec 25	2.6
Dec 25	2.58
Dec 25	2.58
Dec 25	2.6
Nov 25	2.46
Nov 25	2.52
Nov 25	2.51
Nov 25	2.51
Oct 25	2.52
Oct 25	2.51
Oct 25	2.55
Oct 25	2.41
Oct 25	2.43
Sep 25	2.37
Sep 25	2.37
Sep 25	2.36
Sep 25	2.36
Aug 25	2.34
Aug 25	2.34
Aug 25	2.28
Aug 25	2.48
Aug 25	2.27
Jul 25	2.28
Jul 25	2.17
Jul 25	2.24
Jul 25	2.21
Jun 25	2.19
Jun 25	2.14
Jun 25	2.2
Jun 25	2.2
May 25	2.2
May 25	2.16
May 25	2.19
May 25	2.19
May 25	2.2
Apr 25	2.12
Apr 25	2.11
Apr 25	1.98
Apr 25	2.02
Mar 25	2.15
Mar 25	2.14
Mar 25	2.17
Mar 25	2.17
Feb 25	2.18
Feb 25	2.18
Feb 25	2.19
Feb 25	2.22
Jan 25	2.23
Jan 25	2.27
Jan 25	2.26
Jan 25	2.26
Jan 25	2.3
Dec 24	2.36
Dec 24	2.36
Dec 24	2.36
Dec 24	2.32
Nov 24	2.44
Nov 24	2.44
Nov 24	2.36
Nov 24	2.32
Nov 24	2.24
Oct 24	2.28
Oct 24	2.28

EV/EBITDA

CZBT EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	7.24
Sep 26	7.24
Aug 26	7.24
Aug 26	7.15
Aug 26	7.13
Aug 26	6.9
Jul 26	6.98
Jul 26	6.64
Jul 26	6.47
Jul 26	6.46
Jul 26	6.39
Jun 26	7.23
Jun 26	7.1
Jun 26	7.06
Jun 26	6.99
May 26	7.05
May 26	7.1
May 26	7.1
May 26	7.1
May 26	7.1
Apr 26	7.1
Apr 26	7.41
Apr 26	6.49
Apr 26	6.92
Mar 26	6.9
Mar 26	6.89
Mar 26	6.81
Mar 26	6.9
Feb 26	6.59
Feb 26	6.37
Feb 26	6.61
Feb 26	6.31
Jan 26	6.29
Jan 26	6.2
Jan 26	6.25
Jan 26	6.2
Jan 26	6.18
Dec 25	3.32
Dec 25	3.27
Dec 25	3.26
Dec 25	3.32
Nov 25	2.97
Nov 25	3.13
Nov 25	3.09
Nov 25	3.08
Oct 25	3.13
Oct 25	3.08
Oct 25	3.2
Oct 25	2.85
Oct 25	2.9
Sep 25	2.41
Sep 25	2.41
Sep 25	2.37
Sep 25	2.37
Aug 25	2.34
Aug 25	2.32
Aug 25	2.17
Aug 25	2.68
Aug 25	2.14
Jul 25	2.17
Jul 25	1.88
Jul 25	2.06
Jul 25	1.98
Jun 25	5.99
Jun 25	5.86
Jun 25	6
Jun 25	6
May 25	6
May 25	5.91
May 25	5.99
May 25	5.98
May 25	6.01
Apr 25	5.81
Apr 25	5.77
Apr 25	5.43
Apr 25	5.55
Mar 25	5.66
Mar 25	5.64
Mar 25	5.72
Mar 25	5.72
Feb 25	5.74
Feb 25	5.74
Feb 25	5.77
Feb 25	5.85
Jan 25	5.89
Jan 25	6
Jan 25	5.95
Jan 25	5.95
Jan 25	6.06
Dec 24	6.18
Dec 24	6.19
Dec 24	6.18
Dec 24	6.08
Nov 24	6.39
Nov 24	6.39
Nov 24	6.18
Nov 24	6.08
Nov 24	5.87
Oct 24	5.97
Oct 24	5.97

Price to Book

CZBT Price to Book by quarter
Period	Price to Book
Sep 26	1.13
Sep 26	1.13
Aug 26	1.13
Aug 26	1.12
Aug 26	1.11
Aug 26	1.08
Jul 26	1.09
Jul 26	1.04
Jul 26	1.01
Jul 26	1.01
Jul 26	1
Jun 26	1.05
Jun 26	1.03
Jun 26	1.02
Jun 26	1.01
May 26	1.02
May 26	1.03
May 26	1.03
May 26	1.03
May 26	1.03
Apr 26	1.03
Apr 26	1.07
Apr 26	0.94
Apr 26	1
Mar 26	1.02
Mar 26	1.02
Mar 26	1.01
Mar 26	1.02
Feb 26	0.98
Feb 26	0.94
Feb 26	0.98
Feb 26	0.93
Jan 26	0.93
Jan 26	0.92
Jan 26	0.92
Jan 26	0.92
Jan 26	0.91
Dec 25	0.97
Dec 25	0.97
Dec 25	0.96
Dec 25	0.97
Nov 25	0.92
Nov 25	0.95
Nov 25	0.94
Nov 25	0.94
Oct 25	0.95
Oct 25	0.94
Oct 25	0.96
Oct 25	0.9
Oct 25	0.91
Sep 25	0.95
Sep 25	0.95
Sep 25	0.94
Sep 25	0.94
Aug 25	0.93
Aug 25	0.93
Aug 25	0.91
Aug 25	0.99
Aug 25	0.9
Jul 25	0.91
Jul 25	0.86
Jul 25	0.89
Jul 25	0.88
Jun 25	0.91
Jun 25	0.89
Jun 25	0.91
Jun 25	0.91
May 25	0.91
May 25	0.89
May 25	0.91
May 25	0.91
May 25	0.91
Apr 25	0.88
Apr 25	0.87
Apr 25	0.82
Apr 25	0.84
Mar 25	0.85
Mar 25	0.85
Mar 25	0.86
Mar 25	0.86
Feb 25	0.87
Feb 25	0.87
Feb 25	0.87
Feb 25	0.88
Jan 25	0.89
Jan 25	0.9
Jan 25	0.9
Jan 25	0.9
Jan 25	0.91
Dec 24	1.03
Dec 24	1.03
Dec 24	1.03
Dec 24	1.01
Nov 24	1.06
Nov 24	1.06
Nov 24	1.03
Nov 24	1.01
Nov 24	0.98
Oct 24	1
Oct 24	1

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AI Analysis

Citizens Bancorp of Virginia, Inc.

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