CZBT (Citizens Bancorp of Virginia) Interest Expense: $-4.67 Mil (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 Interest Expense?

Citizens Bancorp of Virginia CZBT +1.92% 69 Interest Expense is $-4.67 Mil 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.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Citizens Bancorp of Virginia's interest expense for the six months ended in Dec. 2025 was $ -4.67 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-4.67 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Citizens Bancorp of Virginia's Operating Income for the six months ended in Dec. 2025 was $ Mil. Citizens Bancorp of Virginia's Interest Expense for the six months ended in Dec. 2025 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Citizens Bancorp of Virginia Interest Expense Historical Data

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The historical data trend for Citizens Bancorp of Virginia's Interest Expense 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 Interest Expense Chart

Citizens Bancorp of Virginia Annual Data
Trend Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.23 -1.00 -2.63 -4.25 -4.67

Citizens Bancorp of Virginia Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense 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 -1.23 -1.00 -2.63 -4.25 -4.67
CZBT
69GF Score
Citizens Bancorp of Virginia Inc CZBT
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancorp of Virginia Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-4.67 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-4.67 Mil mean?
Citizens Bancorp of Virginia (CZBT) has a Interest Expense of $-4.67 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Citizens Bancorp of Virginia and its competitors.
Is Citizens Bancorp of Virginia's Interest Expense too high?
Citizens Bancorp of Virginia's current Interest Expense is $-4.67 Mil. 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 Interest Expense compare to SLRK and KSBI?
Citizens Bancorp of Virginia's Interest Expense of $-4.67 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 Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Citizens Bancorp of Virginia and its competitors. Citizens Bancorp of Virginia's current Interest Expense is $-4.67 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 $34.71, compared to a current price of $39.75 — trading 14.5% above its estimated fair value. The current Interest Expense is $-4.67 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Interest Expense is $-4.67 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 $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:

  • Interest Expense: $-4.67 Mil
  • 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

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

$39.75
Price
$34.71
GF Value