How much should you hold?
- Overall Portfolio exposure to Citizens Bancorp of Virginia, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality key factors
Factor
Value
Sales Growth (5y)
11.98%
EBIT Growth (5y)
9.54%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
24.95%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.01
EV to EBIT
3.45
EV to EBITDA
3.45
EV to Capital Employed
1.01
EV to Sales
1.51
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
29.32%
ROE (Latest)
12.40%
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
No Trend
Technical Movement
9What is working for the Company
NII(Q)
Highest at USD 5.95 MM
ROCE(HY)
Highest at 1.7%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 7.13 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 1.7%
CASH AND EQV(HY)
Lowest at USD 12.91 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 39.16 %
Here's what is working for Citizens Bancorp of Virginia, Inc.
NII
Highest at USD 5.95 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 7.13 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Citizens Bancorp of Virginia, Inc.
Operating Profit Margin
Lowest at 39.16 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at USD 12.91 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents






