CZBT (Citizens Bancorp of Virginia) LT-Debt-to-Total-Asset: 0.01 (As of Dec. 2025)

What is Citizens Bancorp of Virginia LT-Debt-to-Total-Asset?

Citizens Bancorp of Virginia CZBT +1.92% 69 LT-Debt-to-Total-Asset is 0.01 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Citizens Bancorp of Virginia's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.01.

Citizens Bancorp of Virginia's long-term debt to total assets ratio increased from Dec. 2023 (0.01) to Dec. 2025 (0.01). It may suggest that Citizens Bancorp of Virginia is progressively becoming more dependent on debt to grow their business.

Citizens Bancorp of Virginia (OTCPK:CZBT) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Citizens Bancorp of Virginia LT-Debt-to-Total-Asset Related Terms

Citizens Bancorp of Virginia LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Citizens Bancorp of Virginia's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Citizens Bancorp of Virginia Annual Data

Trend

Dec09

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Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.01

0.02

0.01

0.02

0.01

Citizens Bancorp of Virginia Semi-Annual Data
	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial											0.01	0.02	0.01	0.02	0.01

69GF Score

Citizens Bancorp of Virginia Inc CZBT

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Citizens Bancorp of Virginia LT-Debt-to-Total-Asset Calculation

Citizens Bancorp of Virginia's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	8.073	/	578.849
	=	0.01

Citizens Bancorp of Virginia's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	8.073	/	578.849
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Citizens Bancorp of Virginia (CZBT) has a LT-Debt-to-Total-Asset of 0.01 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Citizens Bancorp of Virginia and its competitors.

Is Citizens Bancorp of Virginia's LT-Debt-to-Total-Asset too high?

Citizens Bancorp of Virginia's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to SLRK and KSBI?

Citizens Bancorp of Virginia's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Citizens Bancorp of Virginia and its competitors. Citizens Bancorp of Virginia's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current LT-Debt-to-Total-Asset is 0.01 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:

LT-Debt-to-Total-Asset: 0.01
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

Industry Financial Services Banks

Comparable Companies SLRK KSBI IBTN MCBK FDSB UWHR EDVR BKOR FSMK HMLN SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 126 South Main Street, Blackstone, VA, USA, 23824

Website https://www.cbtva.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.75

Price

$34.71

GF Value

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