CZBT (Citizens Bancorp of Virginia) EPS (Basic): $4.57 (TTM As of Dec. 2025)


CZBT Citizens Bancorp of Virginia Inc CZBT
69 GF Score
Price $39.75
GF Value $34.71
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Citizens Bancorp of Virginia EPS (Basic)?

Citizens Bancorp of Virginia CZBT +1.92% 69 EPS (Basic) is $4.57 as of Dec. 2025. GuruFocus rates CZBT with a GF Score™ of 69/100 and a GF Value™ of $34.71 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Citizens Bancorp of Virginia's basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was $4.57. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.57.

Citizens Bancorp of Virginia's EPS (Diluted) for the six months ended in Dec. 2025 was $4.57. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.57.

Citizens Bancorp of Virginia's EPS without NRI for the six months ended in Dec. 2025 was $4.56. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 4.56.

During the past 12 months, Citizens Bancorp of Virginia's average EPS without NRIGrowth Rate was 12.60% per year. During the past 3 years, the average EPS without NRI Growth Rate was 8.70% per year. During the past 5 years, the average EPS without NRI Growth Rate was 14.60% per year. During the past 10 years, the average EPS without NRI Growth Rate was 12.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Citizens Bancorp of Virginia's highest 3-Year average EPS without NRI Growth Rate was 19.60% per year. The lowest was 0.70% per year. And the median was 11.60% per year.

Citizens Bancorp of Virginia  (OTCPK:CZBT) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Citizens Bancorp of Virginia EPS (Basic) Related Terms

Citizens Bancorp of Virginia EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Citizens Bancorp of Virginia's EPS (Basic) 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 EPS (Basic) Chart

Citizens Bancorp of Virginia Annual Data
Trend Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.63 3.83 4.00 4.05 4.57

Citizens Bancorp of Virginia Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic) 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 2.63 3.83 4.00 4.05 4.57
CZBT
69GF Score
Citizens Bancorp of Virginia Inc CZBT
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancorp of Virginia EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Citizens Bancorp of Virginia's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(9.632-0)/2.106
=4.57

Citizens Bancorp of Virginia's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(9.632-0)/2.106
=4.57

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.57

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $4.57 mean?
Citizens Bancorp of Virginia (CZBT) has a EPS (Basic) of $4.57 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citizens Bancorp of Virginia and its competitors.
Is Citizens Bancorp of Virginia's EPS (Basic) too high?
Citizens Bancorp of Virginia's current EPS (Basic) is $4.57. Overall, Citizens Bancorp of Virginia has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp of Virginia's EPS (Basic) compare to SLRK and KSBI?
Citizens Bancorp of Virginia's EPS (Basic) of $4.57 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citizens Bancorp of Virginia and its competitors. Citizens Bancorp of Virginia's current EPS (Basic) is $4.57. 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 $34.71, compared to a current price of $39.75 — trading 14.5% above its estimated fair value. The current EPS (Basic) is $4.57. Citizens Bancorp of Virginia's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current EPS (Basic) is $4.57 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 $39.75 is trading 14.5% above its estimated GF Value™ of $34.71. GuruFocus considers Citizens Bancorp of Virginia to be Modestly Overvalued.

Key valuation signals for CZBT:

  • EPS (Basic): $4.57
  • GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for CZBT

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.75
Price
$34.71
GF Value