Joseph Borgerding - Citizens Bancorp CEO

All Insiders . USA . 
Stock . Citizens Bancorp of . Stakeholders . Insider . Joseph Borgerding
CZBT Stock  USD 31.00  0.00  0.00%   

CEO

Mr. Joseph D. Borgerding is the President, Chief Executive Officer, Director of Citizens Bancorp of Virginia Inc., and President, Chief Executive Officer of Citizens Bank and Trust Company since 2005.
Age 65
Tenure 19 years
Phone434 292 8100
Webhttps://www.cbtva.com
Borgerding was elected as President and Chief Executive Officer of the Company and the Bank on September 27, 2005. Prior to his promotion, Mr. Borgerding was Vice President and Acting Chief Executive Officer of the Bank. From March 2003 until October 2004, he served as Vice President/Senior Loan Officer of the Bank. Prior to joining the Bank in 2003, Mr. Borgerding was employed by BB&T of Virginia and its predecessors, Central Fidelity National Bank, Wachovia Bank, National Association and F&M Bank in Nottoway and Lunenburg Counties from 1986 until 2003, and served as City Executive for the area encompassing Blackstone and Kenbridge, Virginia. He is a Director on the Advisory Board for the Small Business Development Center at Longwood University in Farmville, Virginia. He is a member of the Blackstone Revitalization Management Team and is Director/Treasurer of Downtown Blackstone, Inc. which was organized to participate in the Virginia Main Street Program

Citizens Bancorp Management Efficiency

The company has return on total asset (ROA) of 0.0106 % which means that it generated a profit of $0.0106 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0951 %, meaning that it created $0.0951 on every $100 dollars invested by stockholders. Citizens Bancorp's management efficiency ratios could be used to measure how well Citizens Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.
Citizens Bancorp of currently holds 7.55 M in liabilities. Debt can assist Citizens Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Citizens Bancorp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Citizens Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Citizens to invest in growth at high rates of return. When we think about Citizens Bancorp's use of debt, we should always consider it together with cash and equity.

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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. The company was founded in 1873 and is headquartered in Blackstone, Virginia. Citizens Bancorp operates under BanksRegional classification in the United States and is traded on OTC Exchange. Citizens Bancorp of [CZBT] is a Pink Sheet which is traded between brokers over the counter.

Management Performance

Return On Equity0.0951
Return On Asset0.0106

Citizens Bancorp Leadership Team

Elected by the shareholders, the Citizens Bancorp's board of directors comprises two types of representatives: Citizens Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens Bancorp's management team and ensure that shareholders' interests are well served. Citizens Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
Lisa Whitehead, VP Controller
Geoffrey Warner, CFO, Principal Accounting Officer, Executive VP, CFO of Citizens Bank and Trust Company and Executive VP of Citizens Bank and Trust Company
Taylor Quicke, Sr Officer
Kristie MartinWallace, Credit Compliance
Lynn Shekleton, Executive VP of HR and Branch Admin. and Secretary
Cetric Gayles, Sr Officer
Joseph Borgerding, CEO and President Director, CEO of Citizens Bank and Trust Company and President of Citizens Bank and Trust Company and Director of Citizens Bank and Trust Company

Citizens Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Citizens Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Return On Equity0.0951
Return On Asset0.0106
Profit Margin0.32 %
Operating Margin0.39 %
Current Valuation(10.06 M)
Shares Outstanding2.31 M
Shares Owned By Institutions1.05 %
Price To Earning12.88 X
Price To Book0.98 X
Price To Sales3.80 X

Thematic Opportunities

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Additional Tools for Citizens Pink Sheet Analysis

When running Citizens Bancorp's price analysis, check to measure Citizens Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Bancorp is operating at the current time. Most of Citizens Bancorp's value examination focuses on studying past and present price action to predict the probability of Citizens Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Bancorp's price. Additionally, you may evaluate how the addition of Citizens Bancorp to your portfolios can decrease your overall portfolio volatility.
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