A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that engages in the provision of retail, secondary market, and commercial loan services to consumers and businesses in West Virginia. It provides various deposit products, including checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. The company offers loan products comprising auto, personal, RVS and camper, motorcycles, boats, and ATVS; and commercial loans, such as term loans, lines of credit, real estate loans, and government guaranteed loans, as well as home loans and home equity; debit and credit cards; and insured cash sweep and CDARS. In addition, it provides investment products, such as managed and brokerage accounts, 401K, smart529 plans, insurance, and fixed and variable annuities; investment services, including retirement planning, estate planning, asset allocation, and college savings; and trust services. Further, the company offers remote deposits, safe deposit boxes, drive-thru and online banking, mobile and telephone banking, digital wallet, mobile deposit, bill pay, notary, ATM, coin counter, night deposit drop, foreign currency, credit card processing, and other services, as well as wire transfers and digital wallet services. The company was founded in 1924 and is headquartered in Elkins, West Virginia.
Financial Summary
| Share Statistics | CIWV | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $85.2 | $716.9 | 20% |
|
| Shares Out (Mil) | 1.8 | 15.7 | 7% |
|
| Institutional Ownership | na | 83.0% | na |
|
| Float (Mil) | na | 21.2 | na |
|
| Beta | 0.23 | 0.48 | 14% |
|
| Avg Daily Volume (000s) | 1 | 53 | 4% |
|
| Price Change (52-week) |
150.0% | 96.7% | 96% |
|
| Growth | CIWV | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 13.6% | 7.6% | 69% |
|
| Net Income (5yr) | 18.9% | 11.1% | 71% |
|
| EPS (5yr) | 18.6% | 10.1% | 65 |
|
| Dividends (5yr) | 10.8% | 3.6% | 79% |
|
| Cash Flow (5yr) | 15.0% | (17.0%) | 73% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CIWV | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $29 | $190 | 16% |
|
| Net Income (TTM) (Mil) | $10 | $51 | 46% |
|
| EPS (TTM) | $5.691 | $2.500 | 88% |
|
| Operating Cash Flow (TTM) (Mil) | $13 | $34 | 39% |
|
| Net Cash Flow (TTM) (Mil) | na | $1 | na |
|
| Long-Term Debt (Q1) (Mil) | $17 | $100 | 32% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | CIWV | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.37 | 1.27 | 35% |
|
| P/E | 8.3 | 12.9 | 10% |
|
| Dividend Yield | 2.5% | 2.2% | 80% |
|
| PEG (5yr hist) | 0.4 | 1.1 | 21% |
|
| Ratios | CIWV | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 68.8% | na |
|
| Net Margin | 37.0% | 28.9% | 93% |
|
| ROA | 2.2% | 1.0% | 57% |
|
| ROE | 24.2% | 11.1% | 84% |
|
| Liabilities to Assets | 91.2% | 89.8% | 88% |
|
| F-Score | 5 | 4 | 51% |
|
Citizens Financial Corp. did not pass any screens on 7/31/2026.
