Explore 3 Stock Ideas & Industry Insights Download Free Report

8082-737-676
Shopping Cart 0
countryflagUK
Login

Citizens Financial Corp

Financial Services US CIWV

43.4USD
0.36(0.84%)

Last update at 2026-06-22T13:42:00Z

Day Range

43.4043.40
LowHigh

52 Week Range

28.4343.72
LowHigh

Fundamentals

  • Previous Close 43.04
  • Market Cap76.91M
  • Volume1000
  • P/E Ratio7.47
  • Dividend Yield2.37%
  • Revenue TTM28.91M
  • Revenue Per Share TTM16.16
  • Gross Profit TTM 28.91M
  • Diluted EPS TTM5.76

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 13.00M 9.52M 7.80M - -
Minority interest - - - - -
Net income 10.18M 7.54M 6.24M - -
Selling general administrative 0.63M 0.41M 0.29M - -
Selling and marketing expenses - 8.81M 8.07M - -
Gross profit 28.91M 25.98M 21.91M - -
Reconciled depreciation 0.74M 0.72M 0.65M - -
Ebit - 9.52M 7.80M - -
Ebitda 13.00M 10.24M 8.45M - -
Depreciation and amortization - 0.72M 0.65M - -
Non operating income net other - - - - -
Operating income 13.00M 9.52M 7.80M - -
Other operating expenses 31.25M 32.07M 24.52M 1.58M 1.13M
Interest expense 13.32M 15.62M 10.42M - -
Tax provision 2.82M 1.98M 1.56M - -
Interest income 39.75M 37.25M 28.32M - -
Net interest income 26.43M 21.64M 17.91M - -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 2.82M 1.98M 1.56M 1.69M 1.50M
Total revenue 44.26M 41.59M 32.32M - -
Total operating expenses 15.91M 16.45M 14.11M - -
Cost of revenue 15.34M 15.62M 10.42M - -
Total other income expense net - -2.21200M -2.35012M - -
Discontinued operations - - - - -
Net income from continuing ops 10.18M 7.54M 6.24M - -
Net income applicable to common shares - - - 6.54M 5.79M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 704.63M 666.71M 651.86M - -
Intangible assets 1.27M 1.53M 1.78M - -
Earning assets - - - - -
Other current assets - 0.99M 12.54M 1.68M 1.22M
Total liab 642.81M 615.35M 608.70M - -
Total stockholder equity 61.81M 51.36M 43.15M - -
Deferred long term liab - - - - -
Other current liab - 591.32M 578.64M - -
Common stock 4.69M 4.68M 4.66M 4.66M 4.66M
Capital stock 4.69M 4.68M 4.66M - -
Retained earnings 63.53M 55.15M 49.18M 44.44M 39.32M
Other liab - - - 3.67M 4.01M
Good will 2.75M 2.75M 2.75M - -
Other assets - 645.01M -14.85464M 456.84M 297.28M
Cash 9.59M 18.36M 11.22M - -
Cash and equivalents - - - - -
Total current liabilities 0.85M 591.32M 578.64M 535.09M 439.36M
Current deferred revenue - - - - -
Net debt 8.17M 1.15M 10.85M - -
Short term debt 0.85M 0.49M 6.48M - -
Short long term debt - - - - -
Short long term debt total 17.76M 19.51M 22.06M - -
Other stockholder equity -4.31714M -8.47086M -10.68510M -8.24448M -3.01987M
Property plant equipment - - - 6.03M 7.92M
Total current assets 12.28M 20.71M 13.53M 31.79M 100.48M
Long term investments 11.11M 10.01M 41.02M - -
Net tangible assets - - - 31.48M 31.36M
Short term investments - - -30.74332M - -
Net receivables 2.69M 2.35M 2.31M - -
Long term debt - - - - -
Inventory - - -13.53065M 1.00M 0.93M
Accounts payable - - - 520.05M 420.36M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -2.08419M -4.08210M -6.18981M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 15.32M 89.24M 105.52M - -
Deferred long term asset charges - - - - -
Non current assets total 692.35M 646.00M 638.32M - -
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -0.16884M -8.39899M -77.51021M -15.46237M -69.32946M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -11.52176M -8.39899M -77.51021M -171.89205M -9.37673M
Net borrowings -2.24198M -5.98868M -5.04909M -2.77505M 8.64M
Total cash from financing activities 25.23M 5.12M 52.05M 95.40M 64.70M
Change to operating activities - - - -0.01522M 0.23M
Net income 10.18M 7.54M 6.24M 6.54M 5.79M
Change in cash 26.64M 7.14M -17.89682M -69.21383M 62.19M
Begin period cash flow 18.36M 11.22M 29.11M - -
End period cash flow 45.00M 18.36M 11.22M - -
Total cash from operating activities 12.93M 10.43M 7.56M 7.27M 6.86M
Issuance of capital stock - - - - -
Depreciation 0.74M 0.72M 0.65M 0.60M 0.33M
Other cashflows from investing activities -11.21977M -25.43328M -81.25847M -3.97776M -0.17127M
Dividends paid 1.79M 1.57M 1.46M -1.42209M -1.20846M
Change to inventory - - - - -
Change to account receivables - -0.03401M -0.63134M - -
Sale purchase of stock -0.07568M -0.00290M -0.03347M - -
Other cashflows from financing activities 29.34M 12.68M 58.60M 99.69M 57.36M
Change to netincome - - - 0.61M 0.64M
Capital expenditures 0.44M 1.16M 1.80M 0.62M 0.49M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 0.22M 0.11M -0.16914M - -
Stock based compensation 0.15M 0.13M 0.12M - -
Other non cash items 2.53M 2.77M 0.83M - -
Free cash flow 12.50M 9.27M 5.76M - -

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CIWV
Citizens Financial Corp		 0.36 0.84% 43.40 7.47 - 2.66 1.24 3.03
HDB
HDFC Bank Limited ADR		 0.03 0.12% 25.09 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.32 1.06% 29.79 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.60 3.22% 51.35 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

View All

Profile

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 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. The company was founded in 1924 and is headquartered in Elkins, West Virginia.

Citizens Financial Corp

211 Third Street, Elkins, WV, United States, 26241

Key Executives

Name Title Year Born
Mr. William J. Brown VP & Director 1946
Mr. Nathaniel S. Bonnell CPA, CPA Pres, CEO & Director 1982
Ms. Leesa M. Harris CTFA Sec. 1964
Ms. Belinda J. Clevenger CPA VP & Treasurer NA
Mr. Nathaniel S. Bonnell CPA President, CEO & Director 1982
Mr. Anthony N. Ricottilli CPA Senior VP, CFO & Treasurer NA
Ms. Deborah L. Swiger Senior VP & COO NA
Mr. Daniel L. Ware VP & CTO NA
Mr. Dustin J. Casto VP & Chief Information Officer NA
Mr. Trevor J. Kiess Esq. VP of Trust Officer & General Counsel NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

We use cookies to help us improve, promote, and protect our services. By continuing to use this site, we assume you consent to our Cookies Policy. For more information, read our Privacy Policy and Terms and Conditions