Accessibility Menu
Citizens Financial logo

Citizens Financial(OTC) CIWV

Market Cap$86.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1996)+2,012%
5 Year+209%
1 Year+47%
1 Month-2%
$48.00
+0.61%
+0.29Today
Citizens Financial last closing stock price
MetricPriceDate
Last closeUSD 48.002026-08-17
Citizens Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.61%USD 47.712026-08-07
1 month-2%USD 48.982026-07-17
3 month-3.77%USD 49.882026-05-19
Year to date+49.62%USD 32.082025-12-31
1 year+47.33%USD 32.582025-08-13
3 year+148.99%USD 19.282023-08-16
5 year+208.57%USD 15.562021-08-17
Since inception+2,011.97%USD 2.271996-03-19

Citizens Financial Financials at a Glance

Market Cap

$86.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$48.47M

Net Income (TTM)

$12.20M

EPS (TTM)

$6.81

P/E Ratio

7.05

Dividend

$1.09

Beta (Volatility)

0.01 (Low)

Price

$48.00

Volume

6

Open

$48.00

Previous Close

$48.00

Daily Range

$48.00 - $48.00

52-Week Range

$30.85 - $52.00

Estimated Earnings Date

N/A

CIWV News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Citizens Financial

Citizens Financial Corp. is a regional bank headquartered in Elkins, West Virginia, serving both individual consumers and businesses. The company offers a wide range of financial products and services, including retail and commercial lending solutions, deposit accounts, and investment services.

Products and Services
  • Diverse deposit products: checking, savings, money market accounts, and CDs
  • Comprehensive lending options: personal, auto, commercial, and mortgage loans
  • Investment services: managed accounts, retirement plans, and financial advisory
Growth Outlook
  • Recent revenue of $12.5 million in Q2 2026 indicates strong performance
  • Net income of $3.5 million in Q2 2026 shows consistent profitability
  • Return on equity at 20.2% reflects effective management and growth potential
Financial Highlights
  • Trailing twelve months (TTM) revenue of $49.5 million demonstrates solid growth
  • Dividend yield of 2.27% offers attractive returns for investors
  • Price-to-earnings ratio of 7.06 suggests potential undervaluation compared to peers
Citizens Financial Corp. has established itself as a reliable financial institution in West Virginia, providing a comprehensive suite of banking and investment services. The recent financial performance highlights a robust revenue stream and profitability, making it an appealing option for potential investors. The company's focus on community banking and diverse product offerings positions it well for future growth in the regional banking sector.
AI Generated • Aug 22, 2026

Industry

Banks

Sector

Financials

CEO

Nathaniel S. Bonnell, MBA, CPA

Website

www.citizenswv.com

Headquarters

Elkins, WV 26241, US

CIWV Financials

Key Financial Metrics (TTM)

Gross Margin

70.22%

Operating Margin

31.22%

Net Income Margin

25.17%

Return on Equity

20.24%

Return on Capital

16.34%

Return on Assets

1.57%

Earnings Yield

14.18%

Dividend Yield

2.27%

Payout Ratio

0.00%

Stock Overview

Market Cap

$86.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.79M

Volume

6

Avg. Volume

564.516

Financials (TTM)

Gross Profit

$34.03M

Operating Income

$15.13M

EBITDA

$15.13M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$0.00

Total Debt

$0.00

Citizens Financial Performance Analysis

Citizens Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 22,711,20821.3%
20232023-12-31USD 32,302,81642.2%
20242024-12-31USD 41,593,34328.8%
20252025-12-31USD 43,717,0055.1%
Citizens Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.8%
Q42025-12-315.0%
Q12026-03-3112.5%
Q22026-06-30-5.0%
Citizens Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.7013.1%
20232023-12-31USD 3.51-5.0%
20242024-12-31USD 4.2320.5%
20252025-12-31USD 5.6934.5%
Citizens Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.1%
Q42025-12-31-2.1%
Q12026-03-3136.4%
Q22026-06-300.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$12.50M

+15.4%

Gross Profit

$8.87M

+18.7%

Gross Margin

70.95%

N/A

Market Cap

$86.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.03M

N/A

Employees

84

N/A

Net Income

$3.52M

+37.5%

EBITDA

$4.53M

+38.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$0.00

N/A

Total Debt

$0.00

N/A

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

1.57%

N/A

Return on Invested Capital

17.37%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
SLRKSolera National Bancorp, Inc.
$20.25-0.06%
FBTTFirst Bankers Trustshares, Inc.
$29.45+0.00%
KSBIKS Bancorp, Inc.
$80.00-1.10%
SVBTSVB & T Corporation
$73.00-2.67%

Trending Stocks

Symbol / CompanyPricePrice Chg
NVDANvidia
$209.66-0.02%
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x ETF
$8.87-0.02%
BITOProShares Trust - ProShares Bitcoin ETF
$10.58-0.01%
AALAmerican Airlines Group
$13.84-0.01%

Questions About CIWV

What is the current price of Citizens Financial?

Citizens Financial is trading at $48.00 per share.

What is the 52-week range for Citizens Financial?

Over the past 52 weeks, Citizens Financial has traded between $30.85 and $52.00.

How much debt does Citizens Financial have?

As of the most recent reporting period, Citizens Financial reported total debt of $0.00.

How much cash does Citizens Financial have on hand?

Citizens Financial does not have cash on hand data available.

What is Citizens Financial’s dividend yield?

Citizens Financial currently has a dividend yield of 2.27%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services