What is Citizens Bancorp of Virginia Net Margin %?
Citizens Bancorp of VirginiaCZBT +1.92%69 Net Margin % is 38.46% as of Dec. 2025, which is 23% above its 10-year median of 31.28. 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 1,528 Banks companies, Citizens Bancorp of Virginia ranks better than 81.87% on this metric.
The historical rank and industry rank for Citizens Bancorp of Virginia's Net Margin % or its related term are showing as below:
CZBT'
s Net Margin % Range Over the Past 10 Years
Min: 21.18 Med: 31.28 Max: 39.58
Current: 38.46
CZBT's Net Margin % is ranked better than 81.87% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs CZBT: 38.46
Citizens Bancorp of Virginia (OTCPK:CZBT) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Citizens Bancorp of Virginia Net Margin % Related Terms
Citizens Bancorp of Virginia Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's Net 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 Net Margin % of 38.46% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Citizens Bancorp of Virginia and its competitors. This is 23% above median its historical median of 31.28. Over the past decade, Citizens Bancorp of Virginia's Net Margin % has ranged from 21.18 to 39.58. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #277 out of 1528 companies in the Banks industry, placing it in the top 18.1%.
Is Citizens Bancorp of Virginia's Net Margin % too high?
Citizens Bancorp of Virginia's current Net Margin % of 38.46% is 23% above median its 10-year median of 31.28. Over the past 10 years, this metric has ranged from a low of 21.18 to a high of 39.58. The Banks industry median Net Margin % is 26.85. Citizens Bancorp of Virginia's value of 38.46% is 43.3% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #277 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #277 out of 1528 companies for Net Margin %. This places Citizens Bancorp of Virginia in the top 18% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Citizens Bancorp of Virginia's value of 38.46% is 43.3% above this benchmark. Historically, Citizens Bancorp of Virginia's own Net Margin % has ranged from 21.18 to 39.58 over the past decade. While the company's 10-year median is 31.28 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current Net Margin % of 38.46% is 43.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current Net Margin % is 38.46%, which is 23% above median its own 10-year median of 31.28. 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 Net Margin % is 38.46%, which is 23% above median its 10-year median of 31.28 and 43.3% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Net Margin % is 38.46% 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:
Net Margin %: 38.46% (23% above median its 10-year median of 31.28)
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
Industry Position: 43.3% above the Banks median (#277 of 1528)
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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