What is Citizens Bancorp of Virginia OCF Margin %?
Citizens Bancorp of VirginiaCZBT +1.92%69 OCF Margin % is 29.97% as of Dec. 2025, which is 3% below its 10-year median of 30.83. 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 1,502 Banks companies, Citizens Bancorp of Virginia ranks better than 51.2% 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's OCF 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 OCF Margin % of 29.97% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Bancorp of Virginia and its competitors. This is near median its historical median of 30.83. Over the past decade, Citizens Bancorp of Virginia's OCF Margin % has ranged from 17.09 to 39.94. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #733 out of 1502 companies in the Banks industry, placing it in the top 48.8%.
Is Citizens Bancorp of Virginia's OCF Margin % too high?
Citizens Bancorp of Virginia's current OCF Margin % of 29.97% is near median its 10-year median of 30.83. Over the past 10 years, this metric has ranged from a low of 17.09 to a high of 39.94. The Banks industry median OCF Margin % is 29.41. Citizens Bancorp of Virginia's value of 29.97% is 1.9% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #733 out of 1502 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 OCF Margin % compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #733 out of 1502 companies for OCF Margin %. This puts Citizens Bancorp of Virginia in the upper half of its industry. The industry median OCF Margin % is 29.41. Citizens Bancorp of Virginia's value of 29.97% is 1.9% above this benchmark. Historically, Citizens Bancorp of Virginia's own OCF Margin % has ranged from 17.09 to 39.94 over the past decade. While the company's 10-year median is 30.83 vs. the industry median of 29.41, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.41, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current OCF Margin % of 29.97% is 1.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median OCF Margin % is 29.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current OCF Margin % is 29.97%, which is near median its own 10-year median of 30.83. 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 OCF Margin % is 29.97%, which is near median its 10-year median of 30.83 and 1.9% above the Banks industry median of 29.41. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current OCF Margin % is 29.97% 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:
OCF Margin %: 29.97% (near median its 10-year median of 30.83)
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
Industry Position: 1.9% above the Banks median (#733 of 1502)
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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