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Citizens Bancorp of VirginiaCZBT 72 Return-on-Tangible-Asset is 1.70% as of Dec. 2025, which is 37% above its 10-year median of 1.24. GuruFocus rates CZBT with a GF Score™ of 72/100 and a GF Value™ of $35.00 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Citizens Bancorp of Virginia ranks better than 82.45% on this metric.
Citizens Bancorp of Virginia (OTCPK:CZBT) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Citizens Bancorp of Virginia Return-on-Tangible-Asset Related Terms
Citizens Bancorp of Virginia Return-on-Tangible-Asset 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.
Citizens Bancorp of Virginia Return-on-Tangible-Asset Chart
CZBT vs HMLN, IBTN, KLIB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Citizens Bancorp of Virginia's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.70% mean?
Citizens Bancorp of Virginia (CZBT) has a Return-on-Tangible-Asset of 1.70% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Bancorp of Virginia and its competitors. This is 37% above median its historical median of 1.24. Over the past decade, Citizens Bancorp of Virginia's Return-on-Tangible-Asset has ranged from 0.90 to 1.70. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #268 out of 1527 companies in the Banks industry, placing it in the top 17.6%.
Is Citizens Bancorp of Virginia's Return-on-Tangible-Asset too high?
Citizens Bancorp of Virginia's current Return-on-Tangible-Asset of 1.70% is 37% above median its 10-year median of 1.24. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 1.70. The Banks industry median Return-on-Tangible-Asset is 1.01. Citizens Bancorp of Virginia's value of 1.70% is 68.3% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #268 out of 1527 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 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp of Virginia's Return-on-Tangible-Asset compare to HMLN and IBTN?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #268 out of 1527 companies for Return-on-Tangible-Asset. This places Citizens Bancorp of Virginia in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. Citizens Bancorp of Virginia's value of 1.70% is 68.3% above this benchmark. Historically, Citizens Bancorp of Virginia's own Return-on-Tangible-Asset has ranged from 0.90 to 1.70 over the past decade. While the company's 10-year median is 1.24 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current Return-on-Tangible-Asset of 1.70% is 68.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current Return-on-Tangible-Asset is 1.70%, which is 37% above median its own 10-year median of 1.24. 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 $35.00, compared to a current price of $42.85 — trading 22.4% above its estimated fair value. The current Return-on-Tangible-Asset is 1.70%, which is 37% above median its 10-year median of 1.24 and 68.3% above the Banks industry median of 1.01. Citizens Bancorp of Virginia's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Return-on-Tangible-Asset is 1.70% 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 $42.85 is trading 22.4% above its estimated GF Value™ of $35.00.
GuruFocus considers Citizens Bancorp of Virginia to be Modestly Overvalued.
Key valuation signals for CZBT:
Return-on-Tangible-Asset: 1.70% (37% above median its 10-year median of 1.24)
GF Value™: $35.00 vs. price of $42.85 (22.4% above fair value)
Industry Position: 68.3% above the Banks median (#268 of 1527)
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.
72GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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