See more : Agritek Holdings, Inc. (AGTK) Income Statement Analysis – Financial Results
Complete financial analysis of Citizens Bancorp of Virginia, Inc. (CZBT) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Citizens Bancorp of Virginia, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
- Pyrophyte Acquisition Corp. WT (PHYT-WT) Income Statement Analysis – Financial Results
- Intouch Insight Ltd. (INXSF) Income Statement Analysis – Financial Results
- Dragon Rise Group Holdings Limited (6829.HK) Income Statement Analysis – Financial Results
- Hampidjan Hf. (HAMP.IC) Income Statement Analysis – Financial Results
- Seamless Green China (Holdings) Limited (8150.HK) Income Statement Analysis – Financial Results
Citizens Bancorp of Virginia, Inc. (CZBT)
About Citizens Bancorp of Virginia, Inc.
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. It accepts checking and savings, certificates of deposit, and individual retirement accounts, as well as provides credit cards. The company also provides commercial loans, such as commercial real estate mortgages and construction loans, small business working capital loans, small business lines of credit, SBA guaranteed loans, and investment property loans. In addition, it offers consumer loans, including automobile, signature, boat, and personal property loans; and real estate loans comprising 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, and commercial construction loans, as well as second homes/vacation properties, investment, commercial, industrial, and apartment loans. Further, the company provides merchant services; and investment and brokerage services. It operates in Virginia counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, and Powhatan; and the cities of Colonial Heights, Richmond, and Petersburg. The company was founded in 1873 and is headquartered in Blackstone, Virginia.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 23.07M | 22.62M | 18.77M | 18.64M | 19.07M | 17.23M | 15.85M | 15.13M | 14.28M | 14.13M | 14.14M | 14.26M | 14.14M | 14.26M | 13.78M | 13.39M | 13.24M | 13.02M | 12.45M | 11.85M | 10.75M |
| Cost of Revenue | -335.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 23.07M | 22.62M | 18.77M | 18.64M | 19.07M | 17.23M | 15.85M | 15.13M | 14.28M | 14.13M | 14.14M | 14.26M | 14.14M | 14.26M | 13.78M | 13.39M | 13.24M | 13.02M | 12.45M | 11.85M | 10.75M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 470.21K | 196.11K | 197.17K | 193.26K | 213.86K | 7.61M | 6.78M | 6.54M | 6.45M | 6.47M | 6.69M | 6.73M | 5.88M | 5.92M | 5.65M | 5.16M | 5.05M | 4.86M | 4.55M | 4.40M | 3.80M |
| Selling & Marketing | 45.93K | 40.67K | 17.92K | 49.97K | 71.80K | 62.44K | 57.78K | 51.52K | 69.49K | 98.08K | 59.91K | 47.38K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 9.68M | 236.78K | 215.10K | 243.22K | 285.65K | 7.67M | 6.84M | 6.59M | 6.52M | 6.57M | 6.75M | 6.78M | 5.88M | 5.92M | 5.65M | 5.16M | 5.05M | 4.86M | 4.55M | 4.40M | 3.80M |
| Other Expenses | 0.00 | -2.72M | -2.58M | -2.66M | -2.62M | -2.46M | -2.51M | -2.50M | 0.00 | 0.00 | 0.00 | 0.00 | -15.84M | 75.91K | 60.00K | -14.32M | -13.52M | -13.20M | -12.84M | -13.10M | -11.27M |
| Operating Expenses | 12.59M | 2.72M | 2.58M | 2.66M | 2.62M | 2.46M | 2.51M | 2.50M | 9.26M | 9.32M | 9.43M | 9.71M | -9.97M | 6.00M | 5.71M | -9.16M | -8.47M | -8.33M | -8.28M | -8.71M | -7.47M |
| Cost & Expenses | 12.59M | 12.46M | 11.81M | 12.49M | 12.92M | 11.73M | 10.65M | 10.44M | 9.26M | 9.32M | 9.43M | 9.71M | -9.97M | 6.00M | 5.71M | -9.16M | -8.47M | -8.33M | -8.28M | -8.71M | -7.47M |
| Interest Income | 0.00 | 18.19M | 15.26M | 15.52M | 16.05M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 15.67M | 16.37M | 16.40M | 16.77M | 17.52M | 16.20M | 14.61M | 13.45M | 13.74M |
| Interest Expense | 7.00K | 1.00M | 1.23M | 1.62M | 1.63M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.68M | 4.53M | 5.17M | 6.11M | 6.69M | 5.49M | 4.24M | 3.61M | 4.46M |
| Depreciation & Amortization | -10.66M | 604.73K | 605.05K | 624.42K | 543.36K | 544.81K | 539.38K | 522.99K | -5.18M | -5.13M | -5.03M | -4.89M | 524.39K | 592.30K | 612.67K | 695.53K | 746.50K | 709.30K | 841.07K | 824.81K | 766.32K |
| EBITDA | -173.60K | 10.77M | 7.56M | 6.77M | 6.69M | 53.23K | 5.74M | -155.18K | -160.66K | -310.07K | -320.56K | -335.65K | 4.70M | 4.50M | 4.46M | 4.93M | 5.45M | 5.33M | 4.91M | 3.15M | 0.00 |
| EBITDA Ratio | -0.75% | 1.77% | 0.33% | 0.70% | 0.18% | 0.31% | 0.02% | -1.03% | -1.13% | -2.19% | -2.27% | -2.35% | 33.25% | 31.57% | 32.38% | 36.80% | 41.61% | 41.43% | 40.21% | 33.52% | 37.66% |
| Operating Income | 10.66M | 9.76M | 6.90M | 6.02M | 6.11M | 5.45M | 5.20M | 4.85M | 5.18M | 5.13M | 5.03M | 4.89M | 4.18M | 3.91M | 3.85M | 4.23M | 4.76M | 4.68M | 4.16M | 3.15M | 3.28M |
| Operating Income Ratio | 46.18% | 43.15% | 36.74% | 32.29% | 32.06% | 31.62% | 32.78% | 32.05% | 36.25% | 36.26% | 35.58% | 34.31% | 29.54% | 27.41% | 27.94% | 31.61% | 35.97% | 35.98% | 33.45% | 26.56% | 30.53% |
| Total Other Income/Expenses | -173.60K | 400.41K | 62.66K | 129.94K | 34.59K | 53.23K | 2.51K | -155.18K | -160.66K | -310.07K | -320.56K | -335.65K | -155.00K | -75.91K | -60.00K | -6.75M | 0.00 | 0.00 | 0.00 | 824.81K | 3.28M |
| Income Before Tax | 10.48M | 10.16M | 6.96M | 6.15M | 6.15M | 5.50M | 5.20M | 4.69M | 5.02M | 4.82M | 4.71M | 4.56M | 4.18M | 3.91M | 3.85M | 4.23M | 4.76M | 4.68M | 4.16M | 3.15M | 3.28M |
| Income Before Tax Ratio | 45.43% | 44.92% | 37.08% | 32.98% | 32.24% | 31.93% | 32.80% | 31.02% | 35.12% | 34.07% | 33.31% | 31.96% | 29.54% | 27.41% | 27.94% | 31.61% | 35.97% | 35.98% | 33.45% | 26.56% | 30.53% |
| Income Tax Expense | 1.99M | 2.00M | 1.33M | 1.13M | 1.09M | 932.23K | 1.70M | 1.19M | 1.23M | 1.16M | 1.14M | 1.11M | 986.61K | 961.43K | 1.02M | 1.15M | 1.37M | 1.32M | 1.06M | 674.58K | 750.79K |
| Net Income | 8.50M | 8.16M | 5.63M | 5.02M | 5.06M | 4.57M | 3.50M | 3.50M | 3.79M | 3.65M | 3.57M | 3.45M | 3.19M | 2.95M | 2.83M | 3.09M | 3.40M | 3.37M | 3.10M | 2.47M | 2.53M |
| Net Income Ratio | 36.82% | 36.08% | 29.98% | 26.94% | 26.54% | 26.52% | 22.09% | 23.14% | 26.52% | 25.84% | 25.25% | 24.19% | 22.57% | 20.67% | 20.55% | 23.05% | 25.65% | 25.86% | 24.93% | 20.87% | 23.55% |
| EPS | 4.00 | 3.84 | 2.63 | 2.33 | 2.33 | 2.10 | 1.60 | 1.60 | 1.70 | 1.63 | 1.59 | 1.50 | 1.37 | 1.25 | 1.19 | 1.28 | 1.39 | 1.38 | 1.27 | 1.01 | 1.03 |
| EPS Diluted | 4.00 | 3.84 | 2.63 | 2.33 | 2.33 | 2.10 | 1.60 | 1.60 | 1.70 | 1.63 | 1.59 | 1.50 | 1.37 | 1.25 | 1.19 | 1.28 | 1.39 | 1.38 | 1.27 | 1.01 | 1.03 |
| Weighted Avg Shares Out | 2.12M | 2.13M | 2.14M | 2.16M | 2.18M | 2.18M | 2.18M | 2.19M | 2.22M | 2.24M | 2.25M | 2.30M | 2.34M | 2.36M | 2.38M | 2.41M | 2.44M | 2.44M | 2.44M | 2.45M | 2.45M |
| Weighted Avg Shares Out (Dil) | 2.12M | 2.13M | 2.14M | 2.16M | 2.18M | 2.18M | 2.18M | 2.19M | 2.22M | 2.24M | 2.25M | 2.30M | 2.34M | 2.36M | 2.38M | 2.41M | 2.44M | 2.44M | 2.44M | 2.45M | 2.45M |
Source: https://incomestatements.info
Category: Stock Reports