CZBT (Citizens Bancorp of Virginia) Beginning Cash Position: $27.95 Mil (As of Dec. 2025)

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CZBT Citizens Bancorp of Virginia Inc CZBT
72 GF Score
Price $42.85
GF Value $35.00
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Citizens Bancorp of Virginia Beginning Cash Position?

Citizens Bancorp of Virginia CZBT 72 Beginning Cash Position is $27.95 Mil as of Dec. 2025. GuruFocus rates CZBT with a GF Score™ of 72/100 and a GF Value™ of $35.00 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Citizens Bancorp of Virginia's Beginning Cash Position for the quarter that ended in Dec. 2025 was $27.95 Mil.

Citizens Bancorp of Virginia's quarterly Beginning Cash Position declined from Dec. 2023 ($82.75 Mil) to Dec. 2024 ($47.34 Mil) and declined from Dec. 2024 ($47.34 Mil) to Dec. 2025 ($27.95 Mil).

Citizens Bancorp of Virginia's annual Beginning Cash Position declined from Dec. 2023 ($82.75 Mil) to Dec. 2024 ($47.34 Mil) and declined from Dec. 2024 ($47.34 Mil) to Dec. 2025 ($27.95 Mil).

Citizens Bancorp of Virginia Beginning Cash Position Related Terms

Citizens Bancorp of Virginia Beginning Cash Position Historical Data

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The historical data trend for Citizens Bancorp of Virginia's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Bancorp of Virginia Beginning Cash Position Chart

Citizens Bancorp of Virginia Annual Data
Trend Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 56.92 82.77 82.75 47.34 27.95

Citizens Bancorp of Virginia Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 56.92 82.77 82.75 47.34 27.95
CZBT
72GF Score
Citizens Bancorp of Virginia Inc CZBT
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancorp of Virginia Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $27.95 Mil mean?
Citizens Bancorp of Virginia (CZBT) has a Beginning Cash Position of $27.95 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens Bancorp of Virginia and its competitors.
Is Citizens Bancorp of Virginia's Beginning Cash Position too high?
Citizens Bancorp of Virginia's current Beginning Cash Position is $27.95 Mil. Overall, Citizens Bancorp of Virginia has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp of Virginia's Beginning Cash Position compare to HMLN and IBTN?
Citizens Bancorp of Virginia's Beginning Cash Position of $27.95 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens Bancorp of Virginia and its competitors. Citizens Bancorp of Virginia's current Beginning Cash Position is $27.95 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Bancorp of Virginia stock overvalued right now?
Based on GuruFocus' analysis, Citizens Bancorp of Virginia (CZBT) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.00, compared to a current price of $42.85 — trading 22.4% above its estimated fair value. The current Beginning Cash Position is $27.95 Mil. Citizens Bancorp of Virginia's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Beginning Cash Position is $27.95 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens Bancorp of Virginia (CZBT) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Bancorp of Virginia stock appears to be overvalued. The current stock price of $42.85 is trading 22.4% above its estimated GF Value™ of $35.00. GuruFocus considers Citizens Bancorp of Virginia to be Modestly Overvalued.

Key valuation signals for CZBT:

  • Beginning Cash Position: $27.95 Mil
  • GF Value™: $35.00 vs. price of $42.85 (22.4% above fair value)
  • GF Score™: 72/100 with 5 warning signs

No single metric tells the full story. See the CZBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens Bancorp of Virginia Business Description

Address 126 South Main Street, Blackstone, VA, USA, 23824
Citizens Bancorp of Virginia Inc is a one-bank holding company. The bank conducts the general business of a commercial bank. The bank offers traditional lending and deposit products to businesses and individuals. Its business banking services include checking, savings, certificates of deposit, and merchant services. It has six loan portfolios that include residential real estate, commercial real estate, farmland, Construction, commercial and industrial loans, and consumer loans.
72GF Score

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Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.85
Price
$35.00
GF Value