Citizens Bancorp of Virginia's ROE % for the quarter that ended in Dec. 2025 was 13.14%. Citizens Bancorp of Virginia's PB Ratio for the quarter that ended in Dec. 2025 was 0.89.
Citizens Bancorp of Virginia's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 14.76%.
Citizens Bancorp of Virginia ROE % Adjusted to Book Value Related Terms
Citizens Bancorp of Virginia ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart
CZBT vs SLRK, KSBI, IBTN: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Citizens Bancorp of Virginia's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 14.76% mean?
Citizens Bancorp of Virginia (CZBT) has a ROE % Adjusted to Book Value of 14.76% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens Bancorp of Virginia and its competitors.
Is Citizens Bancorp of Virginia's ROE % Adjusted to Book Value too high?
Citizens Bancorp of Virginia's current ROE % Adjusted to Book Value is 14.76%. 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 ROE % Adjusted to Book Value compare to SLRK and KSBI?
Citizens Bancorp of Virginia's ROE % Adjusted to Book Value of 14.76% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens Bancorp of Virginia and its competitors. Citizens Bancorp of Virginia's current ROE % Adjusted to Book Value is 14.76%. 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 ROE % Adjusted to Book Value is 14.76%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current ROE % Adjusted to Book Value is 14.76% 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:
ROE % Adjusted to Book Value: 14.76%
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
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.
71GF Score
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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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