Citizens Financial Corp. (CIWV)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 16 | 18 | 20 | 22 | 26 | 31 | 36 | - |
| Operating profit | $m | 13 | 15 | ||||||
| Net profit | $m | 4 | 6 | 7 | 6 | 8 | 10 | 12 | - |
| EPS reported | $ | 5.69 | 6.80 | ||||||
| Operating cashflow per share | $ | 7.23 | 0.00 | ||||||
| Capex per share | $ | 0.24 | 0.00 | ||||||
| FCF per share | $ | 6.99 | 0.00 | ||||||
| Free cash flow | $m | 12 | 0 | ||||||
| Net debt | $m | 8 | 0 | ||||||
| Book value equity | $m | 62 | 65 | ||||||
| Book value per share | $ | 34.56 | 36.22 | ||||||
| Number of shares | m | 1.79 | 1.79 | ||||||
| DPS (TTM paid) | $ | 1.00 | 1.09 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 5.76 | 7.37 | ||||||
| P/B LTM | x | 0.95 | 0.90 | ||||||
| P/S LTM | x | 1.89 | 1.64 | ||||||
| P/FCF LTM | x | 4.69 | 0.00 | ||||||
| EV/EBITDA LTM | x | 5.13 | 4.41 | ||||||
| EV/Sales LTM | x | 1.51 | 1.70 | ||||||
| Earnings Yield LTM | % | +17.36% | +13.57% | ||||||
| FCF Yield | % | +21.33% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +16.47% | +20.24% | ||||||
| ROIC | % | +1.44% | +14.01% | ||||||
| Operating margin | % | +29.38% | +31.22% | ||||||
| Gross margin | % | +65.33% | +70.22% | ||||||
| FCF/Sales | % | +28.24% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +34.83% | +61.14% | ||||||
| Sales Growth YoY | % | +19.07% | +37.25% | ||||||
| Net Income Growth YoY | % | +34.95% | +61.76% | ||||||
| FCF Growth | % | +34.79% | -100.00% | ||||||
| Operating Profit Growth | % | +36.54% | +58.91% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.06% | +2.25% | ||||||
| Dividend Growth | % | +13.64% | +23.86% | ||||||
| Payout Ratio | % | +17.63% | +17.62% | ||||||
| FCF/Debt | x | 0.70 | - | ||||||
| Net Debt/EBITDA | x | 0.63 | 0.00 | ||||||
| EBIT/Net interest | x | 0.98 | 1.18 | ||||||
| Net debt/market cap | % | +30.32% | 0.00% | ||||||
| Net debt/Equity | x | 0.13 | 0.00 | ||||||
| Gross debt/equity | x | 0.29 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Financial Corp., based in Elkins, West Virginia, functions as the parent holding company for Citizens Bank of West Virginia, Inc. This financial institution delivers a comprehensive range of retail, commercial, and secondary market lending solutions to both individual consumers and businesses located across West Virginia. Its core banking offerings include diverse deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. For lending needs, the company provides a wide array of options, from personal loans, auto, RV, camper, motorcycle, boat, and ATV financing for individuals, to commercial term loans, lines of credit, real estate loans, and government-guaranteed loans for businesses. Homeowners also have access to mortgage and home equity products. Beyond traditional banking, Citizens Financial Corp. facilitates retirement savings through IRAs, offers debit and credit cards, remote check deposit, and safe deposit box rentals. The company further extends its financial guidance with a robust investment division, providing managed and brokerage accounts, 401Ks, various IRA types (SIMPLE, SEP, Traditional, ROTH), Smart 529 college savings plans, insurance policies, and both fixed and variable annuities. These are complemented by advisory services encompassing retirement planning, estate planning, asset allocation, and college savings strategies, alongside dedicated trust services. Emphasizing convenience, customers can utilize modern services like online banking, mobile banking, mobile deposit, bill payment, telephone banking, credit card processing, wire transfers, and digital wallet capabilities. Established in 1924, the corporation maintains its headquarters in Elkins, West Virginia, and serves its communities through six physical branch locations found in Elkins, Beverly, Parsons, Snowshoe, Buckhannon, and New Martinsville.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Financial Corp. (CIWV)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Financial Corp., based in Elkins, West Virginia, functions as the parent holding company for Citizens Bank of West Virginia, Inc. This financial institution delivers a comprehensive range of retail, commercial, and secondary market lending solutions to both individual consumers and businesses located across West Virginia. Its core banking offerings include diverse deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. For lending needs, the company provides a wide array of options, from personal loans, auto, RV, camper, motorcycle, boat, and ATV financing for individuals, to commercial term loans, lines of credit, real estate loans, and government-guaranteed loans for businesses. Homeowners also have access to mortgage and home equity products. Beyond traditional banking, Citizens Financial Corp. facilitates retirement savings through IRAs, offers debit and credit cards, remote check deposit, and safe deposit box rentals. The company further extends its financial guidance with a robust investment division, providing managed and brokerage accounts, 401Ks, various IRA types (SIMPLE, SEP, Traditional, ROTH), Smart 529 college savings plans, insurance policies, and both fixed and variable annuities. These are complemented by advisory services encompassing retirement planning, estate planning, asset allocation, and college savings strategies, alongside dedicated trust services. Emphasizing convenience, customers can utilize modern services like online banking, mobile banking, mobile deposit, bill payment, telephone banking, credit card processing, wire transfers, and digital wallet capabilities. Established in 1924, the corporation maintains its headquarters in Elkins, West Virginia, and serves its communities through six physical branch locations found in Elkins, Beverly, Parsons, Snowshoe, Buckhannon, and New Martinsville.
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