What is Citizens Bancorp of Virginia FCF Margin %?
Citizens Bancorp of VirginiaCZBT +1.92%69 FCF Margin % is 27.69% as of Dec. 2025, which is 6% below its 10-year median of 29.34. 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 1,506 Banks companies, Citizens Bancorp of Virginia ranks better than 52.39% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's FCF Margin % falls into.
* 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 FCF Margin % of 27.69% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens Bancorp of Virginia and its competitors. This is near median its historical median of 29.34. Over the past decade, Citizens Bancorp of Virginia's FCF Margin % has ranged from 14.11 to 39.27. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #717 out of 1506 companies in the Banks industry, placing it in the top 47.6%.
Is Citizens Bancorp of Virginia's FCF Margin % too high?
Citizens Bancorp of Virginia's current FCF Margin % of 27.69% is near median its 10-year median of 29.34. Over the past 10 years, this metric has ranged from a low of 14.11 to a high of 39.27. The Banks industry median FCF Margin % is 26.36. Citizens Bancorp of Virginia's value of 27.69% is 5.1% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #717 out of 1506 companies in the Banks industry, which is above 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 FCF Margin % compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #717 out of 1506 companies for FCF Margin %. This puts Citizens Bancorp of Virginia in the upper half of its industry. The industry median FCF Margin % is 26.36. Citizens Bancorp of Virginia's value of 27.69% is 5.1% above this benchmark. Historically, Citizens Bancorp of Virginia's own FCF Margin % has ranged from 14.11 to 39.27 over the past decade. While the company's 10-year median is 29.34 vs. the industry median of 26.36, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current FCF Margin % of 27.69% is 5.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current FCF Margin % is 27.69%, which is near median its own 10-year median of 29.34. 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 FCF Margin % is 27.69%, which is near median its 10-year median of 29.34 and 5.1% above the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current FCF Margin % is 27.69% 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:
FCF Margin %: 27.69% (near median its 10-year median of 29.34)
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
Industry Position: 5.1% above the Banks median (#717 of 1506)
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
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