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    Banks - Regional
Citizens Financial Corp.

Citizens Financial Corp.

CIWV
Citizens Financial Corp.US flagOther OTC
48.00
USD
-0.50
- -
81.57MMarket Cap
Citizens Financial Corp.
CIWV
(Other OTC)

Recent

price

48.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2000
2001
2002
2003
2004
2005
2006
2007
2008
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.94
4.24
4.58
4.94
5.17
5.57
6.02
6.03
5.85
7.91
9.57
10.28
11.77
12.81
15.21
18.21
15.96
Revenue per Share
0.96
0.98
0.99
1.04
0.88
1.1
1.13
0.57
0.5
1.81
2.53
3.4
3.84
3.65
4.42
5.99
5.24
Basic EPS, GAAP
1.14
1.13
1.34
1.6
1.68
1.68
1.6
1.67
1.72
2.04
3.07
3.74
3.91
3.37
5.43
7.36
- -
Free Cash Flow per Basic Share
0.4
0.43
0.47
0.5
0.52
0.53
0.57
0.48
0.4
0.63
0.64
0.71
0.84
0.85
0.92
1.06
- -
Dividend per Share
8.85
9.42
9.98
10.63
11.21
11.91
13.72
13.94
14
21.19
23.09
25.82
28.86
31.48
35.03
40.16
- -
Book Value per Share
8.88
9.74
10.59
10.63
10.72
10.52
10.98
11.52
11.39
16.53
18.38
18.41
18.5
22.58
27.56
34.02
31.5
Tangible Book Value per Share
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Basic Weighted Avg Shares
8
8
9
10
10
10
11
11
11
14
16
18
20
22
26
31
29
Sales/Revenue/Turnover
37.13
35.03
32.8
31.49
21.34
28.63
27.35
11.51
9.37
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
1
1
1
- -
- -
- -
- -
- -
- -
1
1
1
1
- -
Depreciation Expense
2
2
2
2
2
2
2
1
1
3
4
6
7
6
8
10
9
Net Income, GAAP
34
34.36
33.98
32.84
20.49
31.18
31.41
18.53
8.67
19.98
20.4
20.59
20.58
19.98
20.8
21.72
21.51
Effective Tax Rate (%)
24.51
22.99
21.66
21.15
16.97
19.71
18.76
9.38
8.56
22.95
26.39
33.09
32.65
28.49
29.04
32.91
32.85
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1
1
2
3
4
5
4
3
8
7
6
15
16
22
20
17
- -
LT Debt
17
19
21
20
20
20
20
21
21
29
32
36
36
43
51
62
56
Total Equity
6.66
5.92
5.79
5.1
3.57
4.44
4.7
2.37
1.77
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.27
10.66
10.2
10.09
7.96
9.44
8.78
4.07
3.59
10.03
11.41
13.89
14.05
12.13
13.27
15.9
31.36
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
43
50
56

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18
- -
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.72%
14.41%
20.37%
Free Cash Flow
17.04%
21.66%
34.79%
Net Income, GAAP
31.59%
19.71%
34.94%
Sales/Revenue/Turnover
11.9%
13.72%
19.07%
Total Cash Common Dividend
7.38%
10.7%
14.1%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
6
7
7
26
2025
7
7
8
- -
31
2026
10
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.87
0.9
1.1
1.35
4.42
2025
1.36
1.43
- -
- -
5.99
2026
1.95
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.92
2025
- -
- -
- -
- -
1.06
2026
- -
- -
- -
- -
- -
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Business
Citizens Financial Corp. (CIWV) operates as the bank holding company for Citizens Bank of West Virginia, Inc., providing retail, secondary market, and commercial banking services to consumers and businesses primarily in north central and northern West Virginia, including Randolph, Tucker, Upshur, Pocahontas, and Wetzel Counties. The bank offers a comprehensive suite of deposit products, including personal checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; consumer, mortgage, and commercial loans; MOCA debit cards; credit cards; insured cash sweep and CDARS services; wealth management encompassing managed and brokerage accounts, 401(k) plans, smart529 college savings plans, insurance, fixed and variable annuities, retirement planning, estate planning, asset allocation, and trust services; as well as digital banking with mobile applications, online banking, business digital banking, telephone banking, remote deposit, bill pay, mobile deposit, digital wallet, credit card processing, notary services, safe deposit boxes, ATMs, coin counters, night deposit drops, wire transfers, and first-time homebuyer loans. Founded in 1924 and headquartered in Elkins, West Virginia, the company maintains six financial centers across its operational footprint and targets individual consumers, small businesses, and local commercial entities with integrated financial solutions emphasizing community-focused service. In August 2025, Citizens Financial Corp. entered into a definitive agreement to acquire Miners and Merchants Bank in a cash transaction, whereby Miners will merge into Citizens Bank, expanding its regional presence and product offerings including enhanced wealth management and advanced banking technology while upholding a shared commitment to personalized community banking.