Citizens Financial (CIWV) Stock Price, News & Analysis

Company Overview

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. In addition, it provides investment products, such as managed and brokerage accounts, 401K, smart529 plans, insurance, and fixed and variable annuities; investment services, including retirement planning, estate planning, asset allocation, and college savings; and trust services. Further, the company offers remote deposits, safe deposit boxes, drive-thru and online banking, mobile and telephone banking, digital wallet, mobile deposit, bill pay, notary, ATM, coin counter, night deposit drop, foreign currency, credit card processing, and other services, as well as wire transfers and digital wallet services. Citizens Financial Corp. was founded in 1924 and is headquartered in Elkins, West Virginia.

Key Stats

• Today's Range: $27.78 to $27.78
• 50-Day Range: $27.27 to $29.50
• 52-Week Range: $18.51 to $29.50
• Volume: N/A
• Average Volume: 505 shs
• Market Capitalization: N/A
• P/E Ratio: 47.44
• Dividend Yield: 1.01%
• Price Target: N/A
• Consensus Rating: N/A

Citizens Financial Stock Analysis - MarketRank™

Citizens Financial scored higher than 12% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens Financial.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens Financial is 47.44, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 21.37.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens Financial is 47.44, which means that it is trading at a more expensive P/E ratio than the Financial Services sector average P/E ratio of about 14.01.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Citizens Financial has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Citizens Financial is a leading dividend payer. It pays a dividend yield of 4.79%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Citizens Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Citizens Financial is 47.81%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Citizens Financial has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.5 / 5
• News Sentiment: 0.58

News Sentiment

Citizens Financial has a news sentiment score of 0.58. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.46 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Citizens Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Citizens Financial insiders have not sold or bought any company stock.

Percentage Held by Institutions

Only 5.56% of the stock of Citizens Financial is held by institutions.

CIWV Stock Analysis - Frequently Asked Questions

How have CIWV shares performed this year?

Citizens Financial's stock was trading at $24.25 on January 1st, 2025. Since then, CIWV stock has increased by 14.6% and is now trading at $27.78.
View the best growth stocks for 2025 here.

How do I buy shares of Citizens Financial?

Shares of CIWV stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Ex-Dividend for 1/29 Dividend: 1/17/2025
• Record date for 1/29 Dividend: 1/18/2025
• Dividend Payable: 1/29/2025
• Ex-Dividend for 4/30 Dividend: 4/17/2025
• Today: 4/18/2025
• Record date for 4/30 Dividend: 4/18/2025
• Dividend Payable: 4/30/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Financial Services
• Industry: Banks - Regional
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:CIWV
• Previous Symbol: NASDAQ:CIWV
• CIK: 764156
• Web: www.citizenswv.com
• Phone: (304) 636-4095
• Fax: N/A
• Employees: N/A
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): N/A
• Trailing P/E Ratio: 47.44
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: N/A
• Price / Sales: N/A
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: N/A
• Free Float: N/A
• Market Cap: N/A
• Optionable: Not Optionable
• Beta: N/A