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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Citizens Bancorp of Virginia's 5-Year RORE % for the quarter that ended in Dec. 2025 was 14.10%.
Citizens Bancorp of Virginia (OTCPK:CZBT) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Citizens Bancorp of Virginia 5-Year RORE % Related Terms
Citizens Bancorp of Virginia 5-Year RORE % 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.
CZBT vs HMLN, IBTN, KLIB: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Citizens Bancorp of Virginia's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
Citizens Bancorp of Virginia (CZBT) has a 5-Year RORE % of 14.10 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Citizens Bancorp of Virginia and its competitors. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #529 out of 1400 companies in the Banks industry, placing it in the top 37.8%.
Is Citizens Bancorp of Virginia's 5-Year RORE % too high?
Citizens Bancorp of Virginia's current 5-Year RORE % is 14.10. The Banks industry median 5-Year RORE % is 10.25. Citizens Bancorp of Virginia's value of 14.10 is 37.6% above this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #529 out of 1400 companies in the Banks industry, which is above the industry midpoint. 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 5-Year RORE % compare to HMLN and IBTN?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #529 out of 1400 companies for 5-Year RORE %. This puts Citizens Bancorp of Virginia in the upper half of its industry. The industry median 5-Year RORE % is 10.25. Citizens Bancorp of Virginia's value of 14.10 is 37.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 10.25, based on 1,400 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current 5-Year RORE % of 14.10 is 37.6% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median 5-Year RORE % is 10.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current 5-Year RORE % is 14.10. 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 5-Year RORE % is 14.10 and 37.6% above the Banks industry median of 10.25. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current 5-Year RORE % is 14.10 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:
5-Year RORE %: 14.10
GF Value™: $35.00 vs. price of $42.85 (22.4% above fair value)
Industry Position: 37.6% above the Banks median (#529 of 1400)
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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