CZBT (Citizens Bancorp of Virginia) Dividend Payout Ratio: 0.25 (As of Dec. 2025) — 22% Below Median


CZBT Citizens Bancorp of Virginia Inc CZBT
71 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 Dividend Payout Ratio?

Citizens Bancorp of Virginia CZBT +1.92% 71 Dividend Payout Ratio is 0.25 as of Dec. 2025, which is 22% below its 10-year median of 0.32. GuruFocus rates CZBT with a GF Score™ of 71/100 and a GF Value™ of $34.71 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,169 Banks companies, Citizens Bancorp of Virginia ranks better than 68.26% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Citizens Bancorp of Virginia's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.25.

The historical rank and industry rank for Citizens Bancorp of Virginia's Dividend Payout Ratio or its related term are showing as below:

CZBT' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25   Med: 0.32   Max: 0.41
Current: 0.25

During the past 13 years, the highest Dividend Payout Ratio of Citizens Bancorp of Virginia was 0.41. The lowest was 0.25. And the median was 0.32.

CZBT's Dividend Payout Ratio is ranked better than
68.26% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs CZBT: 0.25

As of today (2026-07-01), the Dividend Yield % of Citizens Bancorp of Virginia is 2.92%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Citizens Bancorp of Virginia was 4.95%. The lowest was 2.80%. And the median was 3.60%.

Citizens Bancorp of Virginia's Dividends per Share for the months ended in Dec. 2025 was $1.14.

During the past 12 months, Citizens Bancorp of Virginia's average Dividends Per Share Growth Rate was 3.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 3.80% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 3.60% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 6.30% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Citizens Bancorp of Virginia was 13.90% per year. The lowest was 0.00% per year. And the median was 3.70% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Citizens Bancorp of Virginia (OTCPK:CZBT) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Citizens Bancorp of Virginia Dividend Payout Ratio Related Terms

Citizens Bancorp of Virginia Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Citizens Bancorp of Virginia's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Citizens Bancorp of Virginia Annual Data
Trend Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.38 0.29 0.27 0.27 0.25

Citizens Bancorp of Virginia Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio 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 0.38 0.29 0.27 0.27 0.25

CZBT vs SLRK, KSBI, IBTN: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Citizens Bancorp of Virginia's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Bancorp of Virginia's Dividend Payout Ratio falls into.


CZBT
71GF Score
Citizens Bancorp of Virginia Inc CZBT
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancorp of Virginia Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Citizens Bancorp of Virginia's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.14/ 4.562
=0.25

Citizens Bancorp of Virginia's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=1.14/ 4.562
=0.25

* 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 Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.25 mean?
Citizens Bancorp of Virginia (CZBT) has a Dividend Payout Ratio of 0.25 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Citizens Bancorp of Virginia and its competitors. This is 22% below median its historical median of 0.32. Over the past decade, Citizens Bancorp of Virginia's Dividend Payout Ratio has ranged from 0.25 to 0.41. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #371 out of 1169 companies in the Banks industry, placing it in the top 31.7%.
Is Citizens Bancorp of Virginia's Dividend Payout Ratio too high?
Citizens Bancorp of Virginia's current Dividend Payout Ratio of 0.25 is 22% below median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.41. The Banks industry median Dividend Payout Ratio is 0.32. Citizens Bancorp of Virginia's value of 0.25 is 21.9% below this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #371 out of 1169 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Bancorp of Virginia has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp of Virginia's Dividend Payout Ratio compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #371 out of 1169 companies for Dividend Payout Ratio. This puts Citizens Bancorp of Virginia in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Citizens Bancorp of Virginia's value of 0.25 is 21.9% below this benchmark. Historically, Citizens Bancorp of Virginia's own Dividend Payout Ratio has ranged from 0.25 to 0.41 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.32, Citizens Bancorp of Virginia has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current Dividend Payout Ratio of 0.25 is 21.9% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current Dividend Payout Ratio is 0.25, which is 22% below median its own 10-year median of 0.32. 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 Dividend Payout Ratio is 0.25, which is 22% below median its 10-year median of 0.32 and 21.9% below the Banks industry median of 0.32. Citizens Bancorp of Virginia's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Dividend Payout Ratio is 0.25 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:

  • Dividend Payout Ratio: 0.25 (22% below median its 10-year median of 0.32)
  • GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
  • GF Score™: 71/100 with 5 warning signs
  • Industry Position: 21.9% below the Banks median (#371 of 1169)

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.
71GF Score

Get the complete analysis for CZBT

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

$39.75
Price
$34.71
GF Value