CZBT (Citizens Bancorp of Virginia) ROCE %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZBT Citizens Bancorp of Virginia Inc CZBT
72 GF Score
Price $42.85
GF Value $35.00
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Citizens Bancorp of Virginia ROCE %?

Citizens Bancorp of Virginia CZBT 72 ROCE % is % as of Dec. 2025. 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.

ROCE % does not apply to banks and insurance companies.

CZBT
72GF Score
Citizens Bancorp of Virginia Inc CZBT
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Citizens Bancorp of Virginia (CZBT) has a ROCE % of % as of Dec. 2025.
Is Citizens Bancorp of Virginia's ROCE % too high?
Citizens Bancorp of Virginia's current ROCE % is %. 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 ROCE % compare to HMLN and IBTN?
Citizens Bancorp of Virginia's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.80. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.80, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current ROCE % is %. 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 ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current ROCE % is % 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:

  • ROCE %: %
  • GF Value™: $35.00 vs. price of $42.85 (22.4% above fair value)
  • GF Score™: 72/100 with 5 warning signs

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.
72GF Score

Get the complete analysis for CZBT

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

$42.85
Price
$35.00
GF Value