OTCPK:CIWV

Stock Analysis Report

Executive Summary

Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc.

Snowflake

Fundamentals

Not a dividend payer with weak fundamentals.

Risks

  • Citizens Financial's last earnings update was 1275 days ago.
  • Citizens Financial is not covered by any analysts.

Share Price & News

How has Citizens Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CIWV

3.3%

US Banks

2.1%

US Market


1 Year Return

20.8%

OTCPK:CIWV

-13.8%

US Banks

-0.04%

US Market

CIWV outperformed the Banks industry which returned -14.8% over the past year.

CIWV outperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

CIWVIndustryMarket
7 Day0%3.3%2.1%
30 Day0%-7.0%-3.2%
90 Day2.3%-2.3%2.8%
1 Year25.7%20.8%-11.3%-13.8%2.2%-0.04%
3 Year70.6%52.3%42.5%32.7%41.5%32.3%
5 Year172.0%124.8%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Citizens Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Citizens Financial undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Citizens Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Citizens Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for Citizens Financial, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Citizens Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Citizens Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Citizens Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Citizens Financial performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Citizens Financial has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Citizens Financial's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Citizens Financial's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Citizens Financial has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of CIWV’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Citizens Financial's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Citizens Financial's current dividend yield, its reliability and sustainability?

2.21%

Current Dividend Yield


Dividend Yield and Payments Analysis

Citizens Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Citizens Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Citizens Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Citizens Financial's salary, the management and board of directors tenure and is there insider trading?

17.9yrs

Average board tenure


CEO

Nathaniel Bonnell (37yo)

2.1yrs

Tenure

0

Mr. Nathaniel S. Bonnell, CPA, is Chairman, President and Chief Executive officer of Citizens Bank of West Virginia, Inc. Mr. Bonnell serves as President and Chief Executive Officer of Citizens Financial C ...


Board Age and Tenure

17.9yrs

Average Tenure

73yo

Average Age

The average tenure for the Citizens Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Leesa Harris (55yo)

    Secretary

    • Tenure: 0.0yrs
  • Bill Johnson (75yo)

    VP & Director

    • Tenure: 14.3yrs
    • Compensation: US$177.94k
  • Nathaniel Bonnell (37yo)

    President

    • Tenure: 2.1yrs
  • Janet Chapman

    VP & Treasurer

    • Tenure: 0.0yrs

Board Members

  • Max Armentrout (82yo)

    Chairman of the Board

    • Tenure: 32.9yrs
    • Compensation: US$51.73k
  • William Brown (73yo)

    Director

    • Tenure: 19.5yrs
    • Compensation: US$38.65k
  • Cyrus Kump (73yo)

    Vice Chairman of the Board

    • Tenure: 27.2yrs
    • Compensation: US$39.68k
  • Tom Williams (89yo)

    Director Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$29.19k
  • John Yeager (61yo)

    Director

    • Tenure: 16.3yrs
    • Compensation: US$24.34k
  • Bill Johnson (75yo)

    VP & Director

    • Tenure: 14.3yrs
    • Compensation: US$177.94k
  • Nathaniel Bonnell (37yo)

    President

    • Tenure: 2.1yrs
  • C. Woodford

    Director

    • Tenure: 0.0yrs
  • John Carte

    Director

    • Tenure: 0.0yrs
  • Franklin Santmyer

    Director

    • Tenure: 0.0yrs

Company Information

Citizens Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Citizens Financial Corp.
  • Ticker: CIWV
  • Exchange: OTCPK
  • Founded: 1924
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$27.475m
  • Shares outstanding: 1.78m
  • Website: https://www.citizenswv.com

Location

  • Citizens Financial Corp.
  • 211 Third Street
  • Elkins
  • West Virginia
  • 26241
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CIWVOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 1996

Biography

Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that provides banking, trust, and investment products and services to consumers and businesses in nort ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:34
End of Day Share Price2019/08/22 00:00
Earnings2015/12/31
Annual Earnings2015/12/31


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.