Asset Turnover is linked to ROE % through Du Pont Formula. Citizens Bancorp of Virginia's annualizedROE % for the quarter that ended in Dec. 2025 was 26.27%. It is also linked to ROA % through Du Pont Formula. Citizens Bancorp of Virginia's annualizedROA % for the quarter that ended in Dec. 2025 was 3.40%.
Citizens Bancorp of Virginia (OTCPK:CZBT) Asset Turnover Explanation
Asset Turnover is linked to ROE % through Du Pont Formula.
Citizens Bancorp of Virginia's annulizedROE % for the quarter that ended in Dec. 2025 is
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.
It is also linked to ROA % through Du Pont Formula:
Citizens Bancorp of Virginia's annulizedROA % for the quarter that ended in Dec. 2025 is
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
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.
Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.
Citizens Bancorp of Virginia Asset Turnover Related Terms
Citizens Bancorp of Virginia Asset Turnover 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 SLRK, KSBI, IBTN: Asset Turnover Comparison
For the Banks - Regional subindustry, Citizens Bancorp of Virginia's Asset Turnover, along with its competitors' market caps and Asset Turnover 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 Asset Turnover vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's Asset Turnover distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's Asset Turnover 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.
Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.
Citizens Bancorp of Virginia (CZBT) has a Asset Turnover of 0.04 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Citizens Bancorp of Virginia and its competitors.
Is Citizens Bancorp of Virginia's Asset Turnover too high?
Citizens Bancorp of Virginia's current Asset Turnover is 0.04. 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 Asset Turnover compare to SLRK and KSBI?
Citizens Bancorp of Virginia's Asset Turnover of 0.04 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 Asset Turnover for a Banks company?
A good Asset Turnover depends on the Banks industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Citizens Bancorp of Virginia and its competitors. Citizens Bancorp of Virginia's current Asset Turnover is 0.04. 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 Asset Turnover is 0.04. 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 Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Asset Turnover is 0.04 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:
Asset Turnover: 0.04
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.
69GF Score
Get the complete analysis for CZBT
Asset Turnover is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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