CZBT (Citizens Bancorp of Virginia) Total Assets: $578.85 Mil (As of Dec. 2025)


CZBT Citizens Bancorp of Virginia Inc CZBT
69 GF Score
Price $39.75
GF Value $34.71
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Citizens Bancorp of Virginia Total Assets?

Citizens Bancorp of Virginia CZBT +1.92% 69 Total Assets is $578.85 Mil as of Dec. 2025. 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.

Citizens Bancorp of Virginia's Total Assets for the quarter that ended in Dec. 2025 was $578.85 Mil.

During the past 12 months, Citizens Bancorp of Virginia's average Total Assets Growth Rate was 4.90% per year. During the past 3 years, the average Total Assets Growth Rate was 0.50% per year. During the past 5 years, the average Total Assets Growth Rate was 2.30% per year. During the past 10 years, the average Total Assets Growth Rate was 8.30% per year.

During the past 13 years, Citizens Bancorp of Virginia's highest 3-Year average Total Assets Growth Rate was 20.30%. The lowest was -0.60%. And the median was 4.50%.

Total Assets is connected with ROA %. Citizens Bancorp of Virginia's annualized ROA % for the quarter that ended in Dec. 2025 was 1.70%. Total Assets is also linked to Revenue through Asset Turnover. Citizens Bancorp of Virginia's Asset Turnover for the quarter that ended in Dec. 2025 was 0.04.

Citizens Bancorp of Virginia  (OTCPK:CZBT) Total Assets Explanation

Total Assets is connected with ROA %.

Citizens Bancorp of Virginia's annualized ROA % for the quarter that ended in Dec. 2025 is

ROA %=Net Income (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=9.632/( (552.703+578.849)/ 2 )
=9.632/565.776
=1.70 %

Note: The Net Income data used here is one times the annual (Dec. 2025) data.

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Total Assets is linked to total revenue through Asset Turnover.

Citizens Bancorp of Virginia's Asset Turnover for the quarter that ended in Dec. 2025 is

Asset Turnover
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=25.046/( (552.703+578.849)/ 2 )
=25.046/565.776
=0.04

* 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.

Therefore, if a company grows its Total Assets faster than its Revenue, the Asset Turnover will decline. This might be a warning sign for the business.

Citizens Bancorp of Virginia Total Assets Related Terms

Citizens Bancorp of Virginia Total Assets Historical Data

* Premium members only.

The historical data trend for Citizens Bancorp of Virginia's Total Assets can be seen below:

* 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 Total Assets Chart

Citizens Bancorp of Virginia Annual Data
Trend Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 566.93 574.01 554.34 552.70 578.85

Citizens Bancorp of Virginia Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 566.93 574.01 554.34 552.70 578.85
CZBT
69GF Score
Citizens Bancorp of Virginia Inc CZBT
Total Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancorp of Virginia Total Assets Calculation

Total Assets are all the assets a company owns.

From the capital sources of the assets, some of the assets are funded through shareholder's paid in capital and retained earnings of the business. Others are funded through borrowed money.

Citizens Bancorp of Virginia's Total Assets for the fiscal year that ended in Dec. 2025 is calculated as

Total Assets=Total Equity (A: Dec. 2025 )+Total Liabilities (A: Dec. 2025 )
=79.968+498.881
=578.85

Citizens Bancorp of Virginia's Total Assets for the quarter that ended in Dec. 2025 is calculated as

Total Assets=Total Equity (Q: Dec. 2025 )+Total Liabilities (Q: Dec. 2025 )
=79.968+498.881
=578.85

* 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.

Frequently Asked Questions Learn more about Total Assets →
What does a Total Assets of $578.85 Mil mean?
Citizens Bancorp of Virginia (CZBT) has a Total Assets of $578.85 Mil as of Dec. 2025. The total amount of assets as recorded on a company's balance sheet. View historical data on Citizens Bancorp of Virginia and its competitors.
Is Citizens Bancorp of Virginia's Total Assets too high?
Citizens Bancorp of Virginia's current Total Assets is $578.85 Mil. 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 Total Assets compare to SLRK and KSBI?
Citizens Bancorp of Virginia's Total Assets of $578.85 Mil 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 Total Assets for a Banks company?
A good Total Assets depends on the Banks industry context. However, Total Assets 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 Total Assets mean?
A high Total Assets can signal that a stock is expensive relative to its fundamentals. The total amount of assets as recorded on a company's balance sheet. View historical data on Citizens Bancorp of Virginia and its competitors. Citizens Bancorp of Virginia's current Total Assets is $578.85 Mil. 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 Total Assets is $578.85 Mil. 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 Total Assets calculated?
Total Assets is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Total Assets is $578.85 Mil 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:

  • Total Assets: $578.85 Mil
  • GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
  • GF Score™: 69/100 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.
69GF Score

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

$39.75
Price
$34.71
GF Value