Citizens Financial Corp.
Citizens Financial Corp.
Your view on CIWV
Overview
What the company does, where it operates, and who runs it.
About Citizens Financial Corp.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Nathaniel S. Bonnell
- Headquarters
- 211 Third Street, Elkins, WV, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Nathaniel S. Bonnell
- Headquarters
- 211 Third Street, Elkins, WV, US
Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that provides 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, 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, line of credit, real estate loans, and government guaranteed loans, as well as home loans and home equity; IRAs; debit and credit cards; remote deposit; and safe deposit boxes rental.
It also provides investment products, such as managed and brokerage accounts, 401K, simple and SEP IRAS, traditional and ROTH IRA, smart 529 plans, insurance, and fixed and variable annuities; investment services, including retirement planning, estate planning, asset allocation, and college savings; and trust services.
In addition, the company offers online banking, mobile banking, mobile deposit, bill pay, telephone banking, and credit card processing services, as well as wire transfers and digital wallet. It operates six offices in Elkins, Beverly, Parsons, Snowshoe, Buckhannon, and New Martinsville.
The company was founded in 1924 and is headquartered in Elkins, West Virginia.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Citizens Financial Corp., and the rating behind it. CIWV last traded at $38.00, 7.1× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Citizens Financial Corp.. Starting points for Citizens Financial Corp.: P/E 7.1, EPS $6.80, beta 0.20 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Citizens Financial Corp.. Citizens Financial Corp. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Citizens Financial Corp.. Trailing twelve-month EPS for Citizens Financial Corp. stands at $6.80. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Citizens Financial Corp.. Citizens Financial Corp. has reported as a listed company since 2000. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Citizens Financial Corp. valued side by side against its closest peers. Citizens Financial Corp. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Citizens Financial Corp., and how their positions are changing. At a $64.4M market value, institutional positions materially move Citizens Financial Corp.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Citizens Financial Corp. executives and directors. Shares of Citizens Financial Corp. have traded between $27.25 and $38.00 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Citizens Financial Corp.. Citizens Financial Corp. is a $64.4M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Citizens Financial Corp.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Citizens Financial Corp.. Coverage tracks Citizens Financial Corp. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.