Citizens Bancorp of Virginia, Inc. (CZBT)
OTCMKTS · Delayed Price · Currency is USD
41.50
0.00 (0.00%)
Aug 4, 2026, 4:00 PM EST
CZBT Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 9.63 | 8.56 | 8.5 | 8.16 | 5.63 |
Depreciation & Amortization | 0.51 | 0.54 | 0.58 | 0.62 | 0.63 |
Gain (Loss) on Sale of Assets | 0.19 | -0.07 | -0.08 | -0.63 | -0.24 |
Gain (Loss) on Sale of Investments | -0.81 | -1.03 | -1.03 | -1.17 | 0.31 |
Provision for Credit Losses | 0.29 | 0.32 | 0.21 | -0.52 | -0.27 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.08 | 0.06 | 0.05 | 0.16 | 0.43 |
Accrued Interest Receivable | -0.2 | -0.33 | -0.14 | -0.57 | 0.23 |
Change in Other Net Operating Assets | -1 | -0.19 | 1.04 | 0.73 | 0.59 |
Other Operating Activities | -0.79 | -0.35 | -0.9 | -1.53 | -0.46 |
Operating Cash Flow | 7.51 | 7.58 | 9.19 | 5.07 | 6.34 |
Operating Cash Flow Growth | -0.98% | -17.53% | 81.51% | -20.09% | 19.45% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.57 | -0.47 | -0.16 | -0.26 | -0.19 |
Sale of Property, Plant and Equipment | - | - | 0 | 0 | - |
Investment in Securities | 20.53 | 3.34 | 15.54 | -8.15 | -73.58 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -10.27 | -17.49 | -27.95 | -11.54 | 22.11 |
Other Investing Activities | 0.07 | -1.99 | 1 | -2.04 | 0.12 |
Investing Cash Flow | 9.86 | -16.43 | -10.98 | -20.37 | -50.46 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 4.49 | - | 0.95 | - |
Long-Term Debt Repaid | -2.05 | - | -2.87 | - | -4.35 |
Net Debt Issued (Repaid) | -2.05 | 4.49 | -2.87 | 0.95 | -4.35 |
Repurchase of Common Stock | -0.12 | -0.42 | -0.04 | -0.13 | -0.32 |
Common Dividends Paid | -2.4 | -2.33 | -2.27 | -2.17 | -2.11 |
Net Increase (Decrease) in Deposit Accounts | 15.09 | -12.28 | -28.44 | 16.65 | 76.75 |
Financing Cash Flow | 10.52 | -10.54 | -33.63 | 15.3 | 69.97 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 27.89 | -19.39 | -35.42 | -0.01 | 25.84 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 6.94 | 7.11 | 9.04 | 4.81 | 6.15 |
Free Cash Flow Growth | -2.45% | -21.33% | 88.02% | -21.83% | 21.97% |
Free Cash Flow Margin | 27.44% | 31.03% | 39.17% | 22.35% | 35.01% |
Free Cash Flow Per Share | 3.29 | 3.36 | 4.25 | 2.26 | 2.88 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 4.97 | 4.11 | 1.6 | 1.01 | 1.33 |
Cash Income Tax Paid | 2.68 | 1.85 | 2.18 | 1.56 | 1.38 |