Financial Services
Citizens Financial Corp.(CIWV)
Live Price
Offline$41.82
+0.00% today
1Y Change
+38.00%
Window
Jun 25, 2025 โ Jun 24, 2026
- Market Cap
- $90.00M
- Revenue Growth
- +6.4%
- EPS Growth
- +34.8%
- Dividend Yield
- 2.0%
Coverage: 251 bars ยท Jun 25, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Financial Corp. (CIWV) is a Financial Services stock with a market cap of $90.00M and listed on OTC. The stock last traded around $41.82 and up 38.0% across the available one-year price window (Jun 25, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of +6.4%, EPS growth of +34.8%, a dividend yield of 2.0%. What stands out right now is revenue +6.4%, EPS +34.8%, free cash flow +34.8% with operating margin 29.6% and ROIC 1.6%. The dividend is present but secondary, with a yield around 2.0%. Valuation is more restrained than many high-expectation growth names at P/E 8.1 and price/sales 1.8. Stock Foundry combines CIWV price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+6.4% vs +3.4% peer median
Operating Margin
Above sector median
+29.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2023 was reported on Dec 31, 2023, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +6.4% and EPS at +34.8%, with operating margin around 29.6%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.0%, which matters if the thesis depends on income as much as growth.
Benchmark Edge
CIWV vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CIWV
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CIWV Max Drawdown
-18.48%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CIWV and SPY.
Company Overview
Citizens Financial Corp.
OTC
Citizens Financial Corp of West Virginia is a financial institution focused on providing a range of banking and financial services. With its roots firmly planted in the state of West Virginia, the company is committed to serving the local communities and businesses. The primary function of Citizens Financial Corp is to offer products such as checking and savings accounts, loans, and investment services aimed at helping customers manage their financial well-being. The bank plays a critical role in supporting the economic development of the region by facilitating access to personal and commercial banking solutions. By prioritizing customer relationships and local engagement, Citizens Financial Corp of West Virginia contributes to the stability and growth of the financial sector in the area. Its presence reinforces the importance of community banking in maintaining robust local economies.
- Leadership
- Mr. Nathaniel S. Bonnell CPA
- Street Address
- 211 Third Street
- Mailing
- Elkins, WV, 26241
- Region
- Elkins, WV, United States
- Last Updated
- May 7, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.1
- EV/EBITDA
- 6.8
- Price/Sales
- 1.8
- Price/Book
- 1.5
Growth
- Revenue
- +6.4%
- EPS
- +34.8%
- Free Cash Flow
- +34.8%
Profitability
- Gross Margin
- 54.0%
- Operating Margin
- 29.6%
- Net Margin
- 24.0%
- ROE
- 20.2%
- ROIC
- 1.6%
Balance Sheet
- Debt/Equity
- 0.29
- Current Ratio
- 14.50
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.