Citizens Bancorp of VirginiaCZBT +1.92%69 Dividend Yield % is 2.92% as of Jul. 01, 2026, which is 19% below its 10-year median of 3.60. 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. Among 1,250 Banks companies, Citizens Bancorp of Virginia ranks worse than 52.16% on this metric.
During the past 12 months, Citizens Bancorp of Virginia's average Dividends Per Share Growth Rate was 3.60% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 3.80% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 6.30% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Citizens Bancorp of Virginia was 13.90% per year. The lowest was 0.00% per year. And the median was 3.70% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Citizens Bancorp of Virginia (OTCPK:CZBT) Dividend Yield % Explanation
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
* 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 Dividend Yield % Chart
CZBT vs SLRK, KSBI, IBTN: Dividend Yield % Comparison
For the Banks - Regional subindustry, Citizens Bancorp of Virginia's Dividend Yield %, along with its competitors' market caps and Dividend Yield % 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 Dividend Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp of Virginia's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp of Virginia's Dividend Yield % falls into.
Citizens Bancorp of Virginia Dividend Yield % Calculation
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Citizens Bancorp of Virginia Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.300000
2026-07-01
2026-07-01
2026-07-15
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.300000
2026-04-01
2026-04-01
2026-04-15
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.290000
2026-01-02
2026-01-02
2026-01-16
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.290000
2025-10-01
2025-10-01
2025-10-15
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
* 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 (CZBT) has a Dividend Yield % of 2.92% as of Jul. 01, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on Citizens Bancorp of Virginia and its competitors. This is 19% below median its historical median of 3.60. Over the past decade, Citizens Bancorp of Virginia's Dividend Yield % has ranged from 2.80 to 4.95. According to the industry distribution chart, Citizens Bancorp of Virginia ranks #652 out of 1250 companies in the Banks industry, placing it in the top 52.2%.
Is Citizens Bancorp of Virginia's Dividend Yield % too high?
Citizens Bancorp of Virginia's current Dividend Yield % of 2.92% is 19% below median its 10-year median of 3.60. Over the past 10 years, this metric has ranged from a low of 2.80 to a high of 4.95. The Banks industry median Dividend Yield % is 3.00. Citizens Bancorp of Virginia's value of 2.92% is 2.7% below this industry median. Based on the distribution chart, Citizens Bancorp of Virginia ranks #652 out of 1250 companies in the Banks industry, which is below the industry midpoint. 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 Dividend Yield % compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp of Virginia ranks #652 out of 1250 companies for Dividend Yield %. This places Citizens Bancorp of Virginia in the lower half of its industry. The industry median Dividend Yield % is 3.00. Citizens Bancorp of Virginia's value of 2.92% is 2.7% below this benchmark. Historically, Citizens Bancorp of Virginia's own Dividend Yield % has ranged from 2.80 to 4.95 over the past decade. While the company's 10-year median is 3.60 vs. the industry median of 3.00, Citizens Bancorp of Virginia has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Yield % for a Banks company?
The median Dividend Yield % among Banks companies is 3.00, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp of Virginia's current Dividend Yield % of 2.92% is 2.7% below 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on Citizens Bancorp of Virginia and its competitors. For the Banks industry, the median Dividend Yield % is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp of Virginia's current Dividend Yield % is 2.92%, which is 19% below median its own 10-year median of 3.60. 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 Dividend Yield % is 2.92%, which is 19% below median its 10-year median of 3.60 and 2.7% below the Banks industry median of 3.00. 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 Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For Citizens Bancorp of Virginia (CZBT), the current Dividend Yield % is 2.92% as of Jul. 01, 2026. 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:
Dividend Yield %: 2.92% (19% below median its 10-year median of 3.60)
GF Value™: $34.71 vs. price of $39.75 (14.5% above fair value)
Industry Position: 2.7% below the Banks median (#652 of 1250)
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
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