Citizens Financial (CIWV) Stock Overview

Operates as the bank holding company for Citizens Bank of West Virginia, Inc. More details

CIWV fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 57.2% below our estimate of its fair value

Earnings grew by 35% over the past year

Pays a reliable dividend of 3.14%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($61M)

CIWV Community Fair Values

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Citizens Financial Corp. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Citizens Financial
Historical stock prices
Current Share Price	US$34.40
52 Week High	US$36.00
52 Week Low	US$27.00
Beta	0.20
1 Month Change	4.24%
3 Month Change	2.26%
1 Year Change	25.09%
3 Year Change	95.45%
5 Year Change	125.57%
Change since IPO	345.82%

Recent updates

Shareholder Returns

	CIWV	US Banks	US Market
7D	3.4%	-1.1%	0.1%
1Y	25.1%	13.8%	15.0%

Return vs Industry: CIWV exceeded the US Banks industry which returned 13.8% over the past year.

Return vs Market: CIWV exceeded the US Market which returned 12.7% over the past year.

Price Volatility

Is CIWV's price volatile compared to industry and market?
CIWV volatility
CIWV Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	6.4%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	3.0%

Stable Share Price: CIWV's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CIWV's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1924	n/a	Nathaniel Bonnell	www.citizenswv.com

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.

Citizens Financial Corp. Fundamentals Summary

How do Citizens Financial's earnings and revenue compare to its market cap?
CIWV fundamental statistics
Market cap	US$60.94m
Earnings (TTM)	US$10.18m
Revenue (TTM)	US$28.91m

6.1x

P/E Ratio

1.2x

P/B Ratio

Is CIWV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIWV income statement (TTM)
Revenue	US$28.91m
Cost of Revenue	US$0
Gross Profit	US$28.91m
Other Expenses	US$18.73m
Earnings	US$10.18m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	5.68
Gross Margin	100.00%
Net Profit Margin	35.21%
Debt/Equity Ratio	39.0%

How did CIWV perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

18%

Payout Ratio

Does CIWV pay a reliable dividends?

See CIWV dividend history and benchmarks

When do you need to buy CIWV by to receive an upcoming dividend?
Citizens Financial dividend dates
Ex Dividend Date	Jan 16 2026
Dividend Pay Date	Jan 28 2026
Days until Ex dividend	12 days
Days until Dividend pay date	0 days

Does CIWV pay a reliable dividends?

See CIWV dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/26 17:29
End of Day Share Price	2026/01/26 00:00
Earnings	2025/12/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Citizens Financial Corp.OTCPK:CIWV Stock Report