The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Citizens Bancorp of Virginia's share price is $39.75.
Citizens Bancorp of Virginia's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $11.89. Hence, Citizens Bancorp of Virginia's PS Ratio for today is 3.34.
Warning Sign:
Citizens Bancorp of Virginia Inc stock PS Ratio (=3.34) is close to 3-year high of 3.43.
The historical rank and industry rank for Citizens Bancorp of Virginia's PS Ratio or its related term are showing as below:
CZBT'
s PS Ratio Range Over the Past 10 Years
Min: 2.31 Med: 3.06 Max: 3.83
Current: 3.34
During the past 13 years, Citizens Bancorp of Virginia's highest PS Ratio was 3.83. The lowest was 2.31. And the median was 3.06.
CZBT's PS Ratio is ranked worse than 58.6% of 1517
companies
in the Banks industry
Industry Median: 2.97
vs CZBT: 3.34
During the past 13 years, Citizens Bancorp of Virginia's highest 3-Year average Revenue per Share Growth Rate was 12.10% per year. The lowest was 1.60% per year. And the median was 7.10% per year.
Back to Basics: PS Ratio
Citizens Bancorp of Virginia (OTCPK:CZBT) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Citizens Bancorp of Virginia PS Ratio Related Terms
Citizens Bancorp of Virginia PS Ratio 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's PS Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Citizens Bancorp of Virginia's Share Price of today is $39.75.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancorp of Virginia's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $11.89.
* 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.
It can also be calculated from the numbers for the whole company:
Citizens Bancorp of Virginia (CZBT) has a PS Ratio of 3.34 as of Jul. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Citizens Bancorp of Virginia and its competitors. This is near median its historical median of 3.06. Over the past decade, Citizens Bancorp of Virginia's PS Ratio has ranged from 2.31 to 3.83. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #889 out of 1517 companies in the Banks industry, placing it in the top 58.6%.
Is Citizens Bancorp of Virginia's PS Ratio too high?
Citizens Bancorp of Virginia's current PS Ratio of 3.34 is near median its 10-year median of 3.06. Over the past 10 years, this metric has ranged from a low of 2.31 to a high of 3.83. The Banks industry median PS Ratio is 2.97. Citizens Bancorp of Virginia's value of 3.34 is 12.5% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #889 out of 1517 companies in the Banks industry, which is below 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 PS Ratio compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #889 out of 1517 companies for PS Ratio. This places Citizens Bancorp of Virginia in the lower half of its industry. The industry median PS Ratio is 2.97. Citizens Bancorp of Virginia's value of 3.34 is 12.5% above this benchmark. Historically, Citizens Bancorp of Virginia's own PS Ratio has ranged from 2.31 to 3.83 over the past decade. While the company's 10-year median is 3.06 vs. the industry median of 2.97, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.97, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current PS Ratio of 3.34 is 12.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current PS Ratio is 3.34, which is near median its own 10-year median of 3.06. 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 PS Ratio is 3.34, which is near median its 10-year median of 3.06 and 12.5% above the Banks industry median of 2.97. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current PS Ratio is 3.34 as of Jul. 01, 2026. 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:
PS Ratio: 3.34 (near median its 10-year median of 3.06)
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
Industry Position: 12.5% above the Banks median (#889 of 1517)
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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