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Last update at 2026-06-22T16:18:00Z
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 11.90M | 10.65M | 10.48M | 10.16M | - |
| Minority interest | - | - | - | - | - |
| Net income | 9.63M | 8.56M | 8.50M | 8.16M | - |
| Selling general administrative | 9.25M | 0.20M | 0.22M | 0.20M | - |
| Selling and marketing expenses | - | 0.04M | 0.05M | 0.04M | - |
| Gross profit | 25.09M | 22.92M | 22.73M | 20.36M | - |
| Reconciled depreciation | - | 0.54M | 0.58M | 0.60M | - |
| Ebit | - | 10.65M | 10.48M | 10.16M | - |
| Ebitda | 11.90M | 11.19M | 11.06M | 10.77M | - |
| Depreciation and amortization | - | 0.54M | 0.58M | 0.60M | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | 11.90M | 10.65M | 10.48M | 10.16M | - |
| Other operating expenses | 18.15M | 16.95M | 14.88M | 11.20M | 2.75M |
| Interest expense | 4.67M | 4.25M | 2.63M | 1.00M | 0.00000M |
| Tax provision | - | 2.08M | 1.99M | 2.00M | - |
| Interest income | - | 24.84M | 22.97M | 18.19M | - |
| Net interest income | - | 20.59M | 20.34M | 17.19M | - |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 2.27M | 2.08M | 1.99M | 2.00M | 1.33M |
| Total revenue | 30.05M | 27.60M | 25.36M | 21.37M | - |
| Total operating expenses | 13.20M | 12.34M | 12.25M | 10.20M | - |
| Cost of revenue | 4.95M | 4.61M | 2.63M | 1.00M | - |
| Total other income expense net | - | -2.86508M | -2.91366M | 0.00420M | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | - | 8.56M | 8.50M | 8.16M | - |
| Net income applicable to common shares | - | - | - | - | 5.63M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 578.57M | 552.70M | 554.34M | 574.00M | - |
| Intangible assets | - | - | 2.24M | 2.10M | - |
| Earning assets | - | - | - | - | - |
| Other current assets | 58.87M | 21.63M | -2.24105M | 85.97M | 1.53M |
| Total liab | 498.60M | 486.04M | 494.65M | 524.16M | - |
| Total stockholder equity | 79.97M | 66.67M | 59.69M | 49.84M | - |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 113.34M | 471.75M | 484.03M | 512.48M | - |
| Common stock | 1.05M | 1.05M | 1.06M | 1.06M | 1.07M |
| Capital stock | - | 1.05M | 1.06M | 1.06M | - |
| Retained earnings | 85.38M | 78.27M | 72.44M | 66.72M | 60.86M |
| Other liab | - | - | - | - | - |
| Good will | - | - | - | - | - |
| Other assets | 519.70M | 522.50M | 0.00000M | - | 225.43M |
| Cash | - | 6.85M | 7.67M | 9.02M | - |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 113.34M | 473.12M | 485.27M | 512.69M | 506.96M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 8.07M | 3.27M | -2.03375M | -0.52346M | - |
| Short term debt | - | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 8.07M | 10.12M | 5.63M | 8.50M | - |
| Other stockholder equity | - | -12.65283M | -13.80524M | -17.93840M | -1.94690M |
| Property plant equipment | - | - | - | - | 8.54M |
| Total current assets | 58.87M | 9.42M | 9.91M | 11.12M | 86.39M |
| Long term investments | - | 156.50M | 167.20M | 180.37M | - |
| Net tangible assets | - | - | - | - | 59.98M |
| Short term investments | - | - | - | 73.73M | - |
| Net receivables | - | 2.57M | 2.24M | 2.10M | - |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | - | -84.84943M | 2.10M |
| Accounts payable | - | 1.37M | 1.24M | 0.21M | 495.83M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -6.46800M | -12.65283M | -13.80524M | -17.93840M | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -7.74800M | 269.16M | -187.77968M | 332.63M | - |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | - | 543.28M | 544.43M | 562.88M | - |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Investments | -16.43477M | -10.98031M | -20.37443M | -73.57574M | -59.42992M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -16.43477M | -10.92985M | -20.37443M | -50.46245M | -64.32341M |
| Net borrowings | 4.49M | -2.86884M | 0.95M | -4.34666M | 2.01M |
| Total cash from financing activities | -10.53575M | -33.62920M | 15.30M | 69.97M | 74.66M |
| Change to operating activities | - | - | - | 0.50M | 0.22M |
| Net income | 8.56M | 8.50M | 8.16M | 5.63M | 5.02M |
| Change in cash | -19.38852M | -35.41555M | -0.01282M | 25.84M | 15.64M |
| Begin period cash flow | 47.34M | 82.75M | 82.76M | - | - |
| End period cash flow | 27.95M | 47.34M | 82.75M | - | - |
| Total cash from operating activities | 7.58M | 9.19M | 5.07M | 6.34M | 5.31M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 0.54M | 0.58M | 0.60M | 0.63M | 0.66M |
| Other cashflows from investing activities | -17.47255M | 1.13M | -11.96404M | 0.12M | -0.01720M |
| Dividends paid | 2.33M | 2.27M | 2.17M | 2.11M | 2.06M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -0.32879M | -0.14347M | -0.57166M | - | - |
| Sale purchase of stock | -0.41658M | -0.04375M | -0.13187M | - | - |
| Other cashflows from financing activities | -12.28136M | -28.44388M | 16.65M | 76.75M | 75.44M |
| Change to netincome | - | - | - | -0.65098M | -0.59877M |
| Capital expenditures | 0.47M | 0.16M | 0.26M | 0.19M | 0.26M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -0.38514M | 1.92M | 0.14M | - | - |
| Stock based compensation | - | -1.15610M | -1.20946M | - | - |
| Other non cash items | -0.59589M | -1.80136M | -3.84597M | - | - |
| Free cash flow | 7.11M | 9.04M | 4.81M | - | - |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CZBT Citizens Bancorp of Virginia Inc |
- -% | 39.00 | 9.08 | - | 3.46 | 1.31 | 4.29 |
| HDB HDFC Bank Limited ADR |
0.17 0.70% | 25.23 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.35 1.16% | 29.76 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Citizens Bancorp of Virginia, Inc. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States. The company offers personal and business checking and savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also provides personal lending products, including automobile, signature, boat, and personal property loans; home equity lines of credit, fixed rate mortgages, adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer programs, home improvement loans, bridge loans, new home construction loans, commercial construction loan, as well as second homes/ vacation properties, investment, commercial, industrial, and apartment loans; and bank-owned properties. In addition, the company offers commercial real estate mortgages, commercial real estate construction loans, small business working capital loans, small business lines of credit, sba guaranteed loans, and investment property loans; commercial real estate; and small business lending products. Further, it provides debit and credit cards; other services, such as coin counting, estatements, notary services, and safe deposit boxes; mobile and online banking; merchant services; and wealth management services comprising financial and retirement planning, IRA rollovers, business retirement plans, fixed and variable annuities, 529 college savings plans, trusts and estate planning, and tax advantaged investments. The company was founded in 1873 and is based in Blackstone, Virginia.
126 South Main Street, Blackstone, VA, United States, 23824
| Name | Title | Year Born |
|---|---|---|
| Mr. Joseph D. Borgerding | Pres, CEO & Director | 1958 |
| Ms. Lynn K. Shekleton | Exec. VP of HR & Branch Admin. and Sec. | 1956 |
| Mr. Geoffrey C. Warner | Exec. VP & CFO | 1951 |
| Ms. Kristie L. Martin-Wallace | Sr. VP of Compliance, Credit Review & Risk Management | NA |
| Mr. C. Taylor Quicke | Sr. VP & Sr. Retail Credit Officer | NA |
| Ms. Lisa H. Whitehead | VP & Controller | NA |
| Mr. Cetric A. Gayles | Sr. VP & Sr. Loan Officer | NA |
| Ms. Lynn K. Shekleton | Executive VP of Human Resources & Branch Administration and Secretary | 1956 |
| Mr. C. Taylor Quicke | President, CEO & Director | NA |
| John W. Davis | Senior Vice President & Senior Financial Officer | NA |
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