Citizens Bancorp of VirginiaCZBT +1.92%69 EV-to-FCF is 12.36 as of Jul. 01, 2026, which is 19% above its 10-year median of 10.36. 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. Among 1,194 Banks companies, Citizens Bancorp of Virginia ranks worse than 69.93% on this metric.
The historical rank and industry rank for Citizens Bancorp of Virginia's EV-to-FCF or its related term are showing as below:
CZBT'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.65 Med: 10.36 Max: 24.3
Current: 12.36
During the past 13 years, the highest EV-to-FCF of Citizens Bancorp of Virginia was 24.30. The lowest was 5.65. And the median was 10.36.
CZBT's EV-to-FCF is ranked worse than 69.93% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs CZBT: 12.36
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Bancorp of Virginia (OTCPK:CZBT) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Bancorp of Virginia's PE Ratio (TTM) for today is calculated as:
Citizens Bancorp of Virginia's share price for today is $39.75.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancorp of Virginia's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.570.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens Bancorp of Virginia EV-to-FCF Related Terms
Citizens Bancorp of Virginia EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, Citizens Bancorp of Virginia's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Bancorp of Virginia EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's EV-to-FCF falls into.
Citizens Bancorp of Virginia's current Enterprise Value is $85.71 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancorp of Virginia's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $6.94 Mil.
* 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 (CZBT) has a EV-to-FCF of 12.36 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Bancorp of Virginia and its competitors. This is 19% above median its historical median of 10.36. Over the past decade, Citizens Bancorp of Virginia's EV-to-FCF has ranged from 5.65 to 24.30. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #835 out of 1194 companies in the Banks industry, placing it in the top 69.9%.
Is Citizens Bancorp of Virginia's EV-to-FCF too high?
Citizens Bancorp of Virginia's current EV-to-FCF of 12.36 is 19% above median its 10-year median of 10.36. Over the past 10 years, this metric has ranged from a low of 5.65 to a high of 24.30. The Banks industry median EV-to-FCF is 6.57. Citizens Bancorp of Virginia's value of 12.36 is 88.3% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #835 out of 1194 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #835 out of 1194 companies for EV-to-FCF. This places Citizens Bancorp of Virginia in the lower half of its industry. The industry median EV-to-FCF is 6.57. Citizens Bancorp of Virginia's value of 12.36 is 88.3% above this benchmark. Historically, Citizens Bancorp of Virginia's own EV-to-FCF has ranged from 5.65 to 24.30 over the past decade. While the company's 10-year median is 10.36 vs. the industry median of 6.57, Citizens Bancorp of Virginia has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current EV-to-FCF of 12.36 is 88.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current EV-to-FCF is 12.36, which is 19% above median its own 10-year median of 10.36. 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 EV-to-FCF is 12.36, which is 19% above median its 10-year median of 10.36 and 88.3% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current EV-to-FCF is 12.36 as of Jul. 01, 2026. 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:
EV-to-FCF: 12.36 (19% above median its 10-year median of 10.36)
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
Industry Position: 88.3% above the Banks median (#835 of 1194)
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 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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CZBT has been successfully added to your 
