Citizens Bancorp of Virginia Inc
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 and savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also provides personal lending… Read more
Citizens Bancorp of Virginia Inc (CZBT) - Net Assets
Latest net assets as of June 2025: $73.54 Million USD
Based on the latest financial reports, Citizens Bancorp of Virginia Inc (CZBT) has net assets worth $73.54 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($561.81 Million) and total liabilities ($488.27 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $73.54 Million |
| % of Total Assets | 13.09% |
| Annual Growth Rate | 4.24% |
| 5-Year Change | 33.34% |
| 10-Year Change | 69.0% |
| Growth Volatility | 148.59 |
Citizens Bancorp of Virginia Inc - Net Assets Trend (2003–2025)
This chart illustrates how Citizens Bancorp of Virginia Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Citizens Bancorp of Virginia Inc (2003–2025)
The table below shows the annual net assets of Citizens Bancorp of Virginia Inc from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $79.97 Million | +19.95% |
| 2024-12-31 | $66.67 Million | +11.68% |
| 2023-12-31 | $59.69 Million | +19.76% |
| 2022-12-31 | $49.84 Million | -16.89% |
| 2021-12-31 | $59.98 Million | +2.83% |
| 2020-12-31 | $58.32 Million | +5.72% |
| 2019-12-31 | $55.17 Million | +7.47% |
| 2018-12-31 | $51.34 Million | +5.46% |
| 2017-12-31 | $48.68 Million | +2.87% |
| 2016-12-31 | $47.32 Million | -86.36% |
| 2015-12-31 | $346.99 Million | +2.71% |
| 2014-12-31 | $337.83 Million | +1.21% |
| 2013-12-31 | $333.81 Million | -1.13% |
| 2012-12-31 | $337.64 Million | +706.86% |
| 2011-12-31 | $41.85 Million | +5.57% |
| 2010-12-31 | $39.64 Million | +1.66% |
| 2009-12-31 | $38.99 Million | +7.29% |
| 2008-12-31 | $36.34 Million | -2.65% |
| 2007-12-31 | $37.33 Million | +6.48% |
| 2006-12-31 | $35.06 Million | +4.78% |
| 2005-12-31 | $33.46 Million | +3.10% |
| 2004-12-31 | $32.45 Million | +1.18% |
| 2003-12-31 | $32.07 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Citizens Bancorp of Virginia Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 178.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $85.38 Million | 106.77% |
| Common Stock | $1.05 Million | 1.32% |
| Other Comprehensive Income | $-6.47 Million | -8.09% |
| Total Equity | $79.97 Million | 100.00% |
Citizens Bancorp of Virginia Inc Competitors by Market Cap
The table below lists competitors of Citizens Bancorp of Virginia Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
PC Gold Ltd
AU:PC2
|
$48.89 Million |
|
Ascend Wellness Holdings Inc
OTCQX:AAWH
|
$48.90 Million |
|
Security Federal Corporation
PINK:SFDL
|
$48.91 Million |
|
Eurasia Mining Plc
F:EUH
|
$48.91 Million |
|
Merchants & Marine Bancorp Inc
OTCQX:MNMB
|
$48.84 Million |
|
Hathway Cable & Datacom Limited
NSE:HATHWAY
|
$48.75 Million |
|
NCL Industries Limited
NSE:NCLIND
|
$48.74 Million |
|
Lifetime Brands Inc
NASDAQ:LCUT
|
$48.74 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Citizens Bancorp of Virginia Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 66,667,996 to 79,968,000, a change of 13,300,004 (19.9%).
- Net income of 9,632,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 6,184,829.
- Other factors decreased equity by 2,516,825.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $9.63 Million | +12.04% |
| Other Comprehensive Income | $6.18 Million | +7.73% |
| Other Changes | $-2.52 Million | -3.15% |
| Total Change | $- | 19.95% |
Book Value vs Market Value Analysis
This analysis compares Citizens Bancorp of Virginia Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.70x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.02x to 0.70x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | $13.10 | $26.50 | x |
| 2004-12-31 | $13.27 | $26.50 | x |
| 2005-12-31 | $13.71 | $26.50 | x |
| 2006-12-31 | $14.38 | $26.50 | x |
| 2007-12-31 | $15.30 | $26.50 | x |
| 2008-12-31 | $15.06 | $26.50 | x |
| 2009-12-31 | $16.38 | $26.50 | x |
| 2010-12-31 | $16.77 | $26.50 | x |
| 2011-12-31 | $17.87 | $26.50 | x |
| 2012-12-31 | $18.86 | $26.50 | x |
| 2013-12-31 | $19.29 | $26.50 | x |
| 2014-12-31 | $20.40 | $26.50 | x |
| 2015-12-31 | $21.18 | $26.50 | x |
| 2016-12-31 | $21.61 | $26.50 | x |
| 2017-12-31 | $22.30 | $26.50 | x |
| 2018-12-31 | $23.56 | $26.50 | x |
| 2019-12-31 | $25.35 | $26.50 | x |
| 2020-12-31 | $27.06 | $26.50 | x |
| 2021-12-31 | $28.08 | $26.50 | x |
| 2022-12-31 | $23.42 | $26.50 | x |
| 2023-12-31 | $28.10 | $26.50 | x |
| 2024-12-31 | $31.50 | $26.50 | x |
| 2025-12-31 | $37.94 | $26.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Citizens Bancorp of Virginia Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.04%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 32.06%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.24x
- Recent ROE (12.04%) is above the historical average (9.25%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 7.89% | 16.65% | 0.06x | 8.40x | $-675.36K |
| 2004 | 7.62% | 16.00% | 0.06x | 8.66x | $-771.09K |
| 2005 | 9.27% | 18.60% | 0.06x | 8.16x | $-243.33K |
| 2006 | 9.60% | 18.18% | 0.07x | 8.01x | $-140.73K |
| 2007 | 9.10% | 17.04% | 0.07x | 7.77x | $-337.82K |
| 2008 | 8.49% | 15.82% | 0.06x | 8.40x | $-547.44K |
| 2009 | 7.26% | 15.30% | 0.06x | 8.23x | $-1.07 Million |
| 2010 | 7.44% | 15.98% | 0.06x | 8.34x | $-1.02 Million |
| 2011 | 7.63% | 17.91% | 0.05x | 7.85x | $-992.28K |
| 2012 | 7.96% | 24.19% | 0.04x | 7.82x | $-884.73K |
| 2013 | 8.22% | 25.25% | 0.04x | 7.72x | $-773.20K |
| 2014 | 8.00% | 25.84% | 0.04x | 7.45x | $-913.04K |
| 2015 | 8.05% | 26.52% | 0.04x | 7.43x | $-919.77K |
| 2016 | 7.40% | 23.14% | 0.04x | 7.73x | $-1.23 Million |
| 2017 | 7.19% | 22.09% | 0.04x | 7.72x | $-1.37 Million |
| 2018 | 8.90% | 26.52% | 0.04x | 7.66x | $-564.80K |
| 2019 | 9.17% | 27.18% | 0.05x | 7.47x | $-456.56K |
| 2020 | 8.61% | 27.65% | 0.04x | 8.46x | $-812.44K |
| 2021 | 9.38% | 30.77% | 0.03x | 9.45x | $-370.78K |
| 2022 | 16.37% | 38.20% | 0.04x | 11.52x | $3.18 Million |
| 2023 | 14.23% | 33.50% | 0.05x | 9.29x | $2.53 Million |
| 2024 | 12.84% | 31.02% | 0.05x | 8.29x | $1.90 Million |
| 2025 | 12.04% | 32.06% | 0.05x | 7.24x | $1.64 Million |
Industry Comparison
This section compares Citizens Bancorp of Virginia Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Citizens Bancorp of Virginia Inc (CZBT) | $73.54 Million | 7.89% | 6.64x | $48.85 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |