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Citizens Bancorp of Virginia, Inc.
CZBTFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $30.05M | 32.1% | $9.64M | $6.94M | N/A |
| 2027 | $33.05M | 32.1% | $10.61M | $7.63M | $6.94M |
| 2028 | $36.35M | 32.1% | $11.67M | $8.40M | $6.94M |
| 2029 | $39.99M | 32.1% | $12.84M | $9.24M | $6.94M |
| 2030 | $43.99M | 32.1% | $14.12M | $10.16M | $6.94M |
| 2031 | $48.39M | 32.1% | $15.53M | $11.18M | $6.94M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $4.57 | 2025-12-31 |
| EPS growth | +12.8% | Forecast years: 5 |
| Future EPS | $8.346 | EPS × (1 + G)^5 |
| Base P/E | 7.4 | P/E |
| Future price | $61.758 | Future EPS × P/E |
| Fair value today | $38.347 | PV @ 10.0% |
| 30% safety price | $26.843 | Margin of safety |
| 50% safety price | $19.173 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $67.46 | $76.162 | $88.03 |
| 10.0% | $58.67 | $65.086 | $73.477 |
| 11.0% | $51.742 | $56.627 | $62.815 |