Stock CZBT CITIZENS BANCORP OF VIRGINIA, INC.
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Financials Citizens Bancorp of Virginia, Inc.

Equities

CZBT

US17316V1044

Banks

Market Closed - OTC Markets
Other stock markets
 12:45:43 2024-05-09 EDT 		5-day change 1st Jan Change
26 USD -0.04% Intraday chart for Citizens Bancorp of Virginia, Inc. 0.00% -10.34%
04-19 Citizens Bancorp of Virginia, Inc. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Citizens Bancorp of Virginia, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 50.64 54.97 50.43 49.01 60.7 61.59
Enterprise Value (EV) 1 18.31 23.57 5.404 -26.21 -13.55 19.89
P/E ratio 11.1 x 10.9 x 10.1 x 8.73 x 7.44 x 7.25 x
Yield 3.78% 3.72% 4.09% 4.3% 3.57% 3.69%
Capitalization / Revenue 3.24 x 3.23 x 3.08 x 2.79 x 2.82 x 2.67 x
EV / Revenue 1.17 x 1.38 x 0.33 x -1.49 x -0.63 x 0.86 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.99 x 1 x 0.86 x 0.82 x 1.22 x 1.03 x
Nbr of stocks (in thousands) 2,178 2,177 2,151 2,131 2,126 2,124
Reference price 2 23.25 25.25 23.45 23.00 28.55 29.00
Announcement Date 19-04-18 20-04-17 21-04-22 22-04-19 23-04-25 24-04-19
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 15.61 17.02 16.35 17.57 21.51 23.07
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 5.501 6.148 6.147 6.959 10.16 10.48
Net income 1 4.569 5.06 5.02 5.627 8.162 8.496
Net margin 29.27% 29.73% 30.7% 32.03% 37.93% 36.82%
EPS 2 2.097 2.325 2.329 2.634 3.835 3.999
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.8800 0.9400 0.9600 0.9900 1.020 1.070
Announcement Date 19-04-18 20-04-17 21-04-22 22-04-19 23-04-25 24-04-19
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 32.3 31.4 45 75.2 74.3 41.7
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.14% 9.5% 8.85% 9.51% 14.9% 15.5%
ROA (Net income/ Total Assets) 1.19% 1.26% 1.11% 1.06% 1.43% 1.51%
Assets 1 384.3 402.5 452.6 530.1 570.5 564.2
Book Value Per Share 2 23.60 25.40 27.20 28.10 23.40 28.10
Cash Flow per Share 2 19.20 19.00 26.60 38.80 38.90 22.30
Capex 1 0.62 2.39 0.26 0.19 0.26 0.16
Capex / Sales 3.94% 14.05% 1.62% 1.07% 1.2% 0.67%
Announcement Date 19-04-18 20-04-17 21-04-22 22-04-19 23-04-25 24-04-19
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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