CIWV Stock Overview
Operates as the bank holding company for Citizens Bank of West Virginia, Inc. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
My Notes
Capture your thoughts, links and company narrative
Citizens Financial Corp. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$24.25 |
| 52 Week High | US$26.00 |
| 52 Week Low | US$18.26 |
| Beta | 0.25 |
| 1 Month Change | -1.02% |
| 3 Month Change | 18.29% |
| 1 Year Change | 31.08% |
| 3 Year Change | 25.00% |
| 5 Year Change | 52.71% |
| Change since IPO | 214.28% |
Recent News & Updates
No updates
Recent updates
No updates
Shareholder Returns
| CIWV | US Banks | US Market | |
|---|---|---|---|
| 7D | 0% | -1.5% | -2.6% |
| 1Y | 31.1% | 28.9% | 24.5% |
Return vs Industry: CIWV exceeded the US Banks industry which returned 28.9% over the past year.
Return vs Market: CIWV exceeded the US Market which returned 24.5% over the past year.
Price Volatility
| CIWV volatility | |
|---|---|
| CIWV Average Weekly Movement | n/a |
| Banks Industry Average Movement | 5.1% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.7% |
| 10% least volatile stocks in US Market | 3.1% |
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 also 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
| CIWV fundamental statistics | |
|---|---|
| Market cap | US$42.65m |
| Earnings (TTM) | US$6.68m |
| Revenue (TTM) | US$22.23m |
6.4x
P/E Ratio1.0x
P/B RatioIs CIWV overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CIWV income statement (TTM) | |
|---|---|
| Revenue | US$22.23m |
| Cost of Revenue | US$0 |
| Gross Profit | US$22.23m |
| Other Expenses | US$15.55m |
| Earnings | US$6.68m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.80 |
| Gross Margin | 100.00% |
| Net Profit Margin | 30.04% |
| Debt/Equity Ratio | 60.2% |
How did CIWV perform over the long term?
See historical performance and comparisonDividends
3.6%
Current Dividend Yield24%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/02 04:23 |
| End of Day Share Price | 2024/12/18 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 here.
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 .
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.
| Analyst | Institution |
|---|