Citizens Bancorp of VirginiaCZBT +1.92%69 Return-on-Tangible-Equity is 13.14% as of Dec. 2025, which is 32% above its 10-year median of 9.97. 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 1,523 Banks companies, Citizens Bancorp of Virginia ranks better than 62.51% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Citizens Bancorp of Virginia's annualized net income for the quarter that ended in Dec. 2025 was $9.63 Mil. Citizens Bancorp of Virginia's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $73.32 Mil. Therefore, Citizens Bancorp of Virginia's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 13.14%.
The historical rank and industry rank for Citizens Bancorp of Virginia's Return-on-Tangible-Equity or its related term are showing as below:
CZBT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.5 Med: 9.97 Max: 15.51
Current: 13.14
During the past 13 years, Citizens Bancorp of Virginia's highest Return-on-Tangible-Equity was 15.51%. The lowest was 7.50%. And the median was 9.97%.
CZBT's Return-on-Tangible-Equity is ranked better than 62.51% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs CZBT: 13.14
Citizens Bancorp of Virginia (OTCPK:CZBT) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Citizens Bancorp of Virginia Return-on-Tangible-Equity Related Terms
Citizens Bancorp of Virginia Return-on-Tangible-Equity 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-Equity Chart
CZBT vs SLRK, KSBI, IBTN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Citizens Bancorp of Virginia's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.14% mean?
Citizens Bancorp of Virginia (CZBT) has a Return-on-Tangible-Equity of 13.14% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Bancorp of Virginia and its competitors. This is 32% above median its historical median of 9.97. Over the past decade, Citizens Bancorp of Virginia's Return-on-Tangible-Equity has ranged from 7.50 to 15.51. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #571 out of 1523 companies in the Banks industry, placing it in the top 37.5%.
Is Citizens Bancorp of Virginia's Return-on-Tangible-Equity too high?
Citizens Bancorp of Virginia's current Return-on-Tangible-Equity of 13.14% is 32% above median its 10-year median of 9.97. Over the past 10 years, this metric has ranged from a low of 7.50 to a high of 15.51. The Banks industry median Return-on-Tangible-Equity is 11.20. Citizens Bancorp of Virginia's value of 13.14% is 17.3% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #571 out of 1523 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 Return-on-Tangible-Equity compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #571 out of 1523 companies for Return-on-Tangible-Equity. This puts Citizens Bancorp of Virginia in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Citizens Bancorp of Virginia's value of 13.14% is 17.3% above this benchmark. Historically, Citizens Bancorp of Virginia's own Return-on-Tangible-Equity has ranged from 7.50 to 15.51 over the past decade. While the company's 10-year median is 9.97 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 13.14% is 17.3% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 13.14%, which is 32% above median its own 10-year median of 9.97. 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 Return-on-Tangible-Equity is 13.14%, which is 32% above median its 10-year median of 9.97 and 17.3% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Return-on-Tangible-Equity is 13.14% 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:
Return-on-Tangible-Equity: 13.14% (32% above median its 10-year median of 9.97)
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
Industry Position: 17.3% above the Banks median (#571 of 1523)
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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