CZBT (Citizens Bancorp of Virginia) Efficiency Overhead Ratio %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZBT Citizens Bancorp of Virginia Inc CZBT
70 GF Score
Price $41.50
GF Value $34.94
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Citizens Bancorp of Virginia Efficiency Overhead Ratio %?

Efficiency Overhead Ratio % only apply to companies which has operating data in Banks industry.

CZBT
70GF Score
Citizens Bancorp of Virginia Inc CZBT
Efficiency Overhead Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $41.50 is trading 18.8% above its estimated GF Value™ of $34.94. GuruFocus considers Citizens Bancorp of Virginia to be Modestly Overvalued.

Key valuation signals for CZBT:

  • Efficiency Overhead Ratio %:
  • GF Value™: $34.94 vs. price of $41.50 (18.8% above fair value)
  • GF Score™: 70/100 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.
70GF Score

Get the complete analysis for CZBT

Efficiency Overhead Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.50
Price
$34.94
GF Value