Citizens Bancorp of Virginia, Inc. (CZBT)

CZBT Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 16, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	86	72	62	62	61	49
Market Cap Growth	47.81%	14.87%	1.10%	1.46%	23.86%	-2.82%
Last Close Price	40.75	33.44	27.95	26.65	25.29	19.65
PE Ratio	8.92	7.43	7.27	7.25	7.44	8.71
PS Ratio	3.39	2.83	2.72	2.67	2.82	2.79
PB Ratio	1.07	0.89	0.93	1.03	1.22	0.82
P/FCF Ratio	-	-	8.76	6.81	12.63	7.97
P/OCF Ratio	-	-	8.21	6.70	11.99	7.73
Debt / Equity Ratio	0.10	0.10	0.15	0.09	0.17	0.13
Debt / FCF Ratio	-	-	1.42	0.62	1.77	1.23
Net Debt / Equity Ratio	-0.60	-0.60	-0.27	-0.70	-1.49	-1.25
Net Debt / FCF Ratio	-	-	-2.51	-4.61	-15.44	-12.23
Return on Equity (ROE)	13.14%	13.14%	13.55%	15.51%	14.86%	9.51%
Return on Assets (ROA)	1.70%	1.70%	1.55%	1.51%	1.43%	1.06%
Earnings Yield	11.24%	13.47%	13.75%	13.79%	13.44%	11.48%
FCF Yield	-	-	11.42%	14.67%	7.92%	12.55%
Dividend Yield	2.85%	3.41%	3.94%	4.01%	4.03%	5.04%
Payout Ratio	25.38%	-	27.16%	26.75%	26.59%	37.56%
Buyback Yield / Dilution	0.41%	0.41%	0.37%	0.18%	0.36%	0.89%
Total Shareholder Return	3.26%	3.82%	4.31%	4.20%	4.40%	5.92%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.