Citizens Financial Corp. Financial Ratios — CIWV Stock

Profitability (USD)

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.46	9.73	9.79	8.14	10.28	10.46	5	4.37	12.49	14.2	16.96	17.99	15.71	15.96	17.99
Return on Assets (%)	1.19	1.1	1.03	0.78	0.91	0.87	0.42	0.35	1.09	1.42	1.42	1.2	1	1.14	1.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	5.92	5.79	5.1	3.57	4.44	4.7	2.37	1.77	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	38.9	37.71	38.26	28.5	34.52	31.13	14.63	12.81	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	35.03	32.8	31.49	21.34	28.63	27.35	11.51	9.37	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	6.85	2.86	12.43	-366.8	142.66	9.22	1,768.13	84.04	-35.92	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.03	32.8	31.49	21.34	28.63	27.35	11.51	9.37	28.68	33.15	41.67	41.11	35.6	36.66	42.04
Profit Margin (%)	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
Net Income to Common Margin (%)	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
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	44.34	47.01	47.63	58.69	48.49	50.24	84.94	79.85	34.5	25.18	20.86	21.75	23.39	20.84	17.62
Sustainable Growth Rate (%)	5.82	5.16	5.13	3.36	5.29	5.21	0.75	0.88	8.18	10.62	13.42	14.08	12.04	12.63	14.82

Credit (USD)

Credit Ratios API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	15	12	25	27	26	23	22	39	7	6	15	16	22	20	17
ST Debt	14	10	22	23	21	20	20	32	- -	- -	- -	- -	- -	- -	- -
LT Debt	1	2	3	4	5	4	3	8	7	6	15	16	22	20	17
Total Debt/EBITDA	4.56	3.66	7	9.58	7.16	6.74	13.87	28.72	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	3.1	2.23	5.36	7.61	5.27	4.98	9.49	18.96	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	5.07	4.2	8.5	12.8	8.63	7.67	17.63	39.26	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	3.44	2.56	6.51	10.17	6.35	5.67	12.07	25.92	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.4	11.3	9.79	9.46	8.23	8.35	8.55	7.38	10.1	9.91	7.36	6.14	6.62	7.7	8.77
Long-Term Debt/Equity (%)	4.14	9.12	16.62	20.51	26.23	17.32	12.9	37.74	22.6	19.55	40.7	44.11	51.12	37.99	27.36
Long-Term Debt/Capital (%)	2.33	5.71	7.41	8.85	11.37	8.05	6.26	13.06	18.43	16.35	28.92	30.61	33.83	27.53	21.48
Long-Term Debt/Total Assets (%)	0.47	1.03	1.63	1.94	2.16	1.45	1.1	2.78	2.28	1.94	3	2.71	3.38	2.93	2.4
Total Debt/Equity (%)	77.33	59.56	124.37	131.82	130.82	115.13	106.14	189	22.6	19.55	40.7	44.11	51.12	37.99	27.36
Total Debt/Capital (%)	43.61	37.33	55.43	56.86	56.68	53.52	51.49	65.4	18.43	16.35	28.92	30.61	33.83	27.53	21.48
Total Debt/Total Assets (%)	8.82	6.73	12.18	12.47	10.77	9.61	9.07	13.94	2.28	1.94	3	2.71	3.38	2.93	2.4
Net Debt to Equity	52.44	36.32	95.3	104.74	96.3	85.07	72.64	124.8	-79.95	-113.22	-270.08	-80.26	-25.99	-35.75	-72.8
Net Debt/Capital (%)	34.4	26.64	48.8	51.16	49.06	45.97	42.08	55.52	-187.45	-1,788.74	208.75	-125.7	-20.77	-34.97	-133.4
EBITDA	3	3	4	3	4	3	2	1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	3	3	4	3	4	3	2	1	-1	- -	- -	-1	-2	-1	- -
Operating Income (Loss)	3	3	3	2	3	3	1	1	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.4	11.3	9.79	9.46	8.23	8.35	8.55	7.38	10.1	9.91	7.36	6.14	6.62	7.7	8.77
Long-Term Debt/Equity (%)	4.14	9.12	16.62	20.51	26.23	17.32	12.9	37.74	22.6	19.55	40.7	44.11	51.12	37.99	27.36
Long-Term Debt/Capital (%)	2.33	5.71	7.41	8.85	11.37	8.05	6.26	13.06	18.43	16.35	28.92	30.61	33.83	27.53	21.48
Long-Term Debt/Total Assets (%)	0.47	1.03	1.63	1.94	2.16	1.45	1.1	2.78	2.28	1.94	3	2.71	3.38	2.93	2.4
Total Debt/Equity (%)	77.33	59.56	124.37	131.82	130.82	115.13	106.14	189	22.6	19.55	40.7	44.11	51.12	37.99	27.36
Total Debt/Capital (%)	43.61	37.33	55.43	56.86	56.68	53.52	51.49	65.4	18.43	16.35	28.92	30.61	33.83	27.53	21.48
Total Debt/Total Assets (%)	8.82	6.73	12.18	12.47	10.77	9.61	9.07	13.94	2.28	1.94	3	2.71	3.38	2.93	2.4
CFO/Total Liabilities	1.49	1.61	1.63	1.63	1.43	1.33	1.35	1.2	1.87	1.89	1.5	1.31	1.24	1.69	2.01
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	3.63	23.74	14.13	11.77	4.2	9.01	29.68
Altman's Z-Score	0.28	0.28	0.3	0.29	0.29	0.3	0.24	0.18	0.27	0.26	0.19	0.17	0.18	0.2	0.23

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	6.84	7.51	8.43	8.82	8.52	8.2	7.94	7.66	19.16	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	53.38	48.59	43.31	41.39	42.85	44.53	45.99	47.63	19.05	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	7	10	25	27	30	36	21	13	28	26	34	32	37	43	59
- Cash & Cash Equivalents	5	5	6	5	7	6	7	13	23	36	98	29	11	18	45
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	15	12	25	27	26	23	22	39	7	6	15	16	22	20	17
Enterprise Value	17	18	45	48	49	53	36	39	12	-4	-49	19	48	44	30
Total Capital	34	33	46	47	45	44	43	60	35	38	51	52	65	71	79
Total Debt/Capital (%)	43.61	37.33	55.43	56.86	56.68	53.52	51.49	65.4	18.43	16.35	28.92	30.61	33.83	27.53	21.48
Total Debt / EV	0.84	0.69	0.57	0.55	0.52	0.44	0.62	1.01	0.56	-1.48	-0.3	0.85	0.46	0.44	0.55
EV/Sales	2.11	2	4.69	4.92	4.75	4.76	3.26	3.62	0.86	- -	- -	0.94	2.2	1.71	0.99
EV/EBITDA	5.42	5.31	12.26	17.28	13.76	15.28	22.25	28.3	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	6.02	6.1	14.9	23.08	16.58	17.4	28.29	38.69	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.9	6.84	14.5	15.2	15.77	17.91	11.75	12.36	2.42	- -	- -	2.58	6.37	4.26	2.36
EV/Free Cash Flow to Firm	7.9	6.84	14.5	15.2	15.77	17.91	11.75	12.36	1.9	- -	- -	2.38	5.14	3.83	2.28
Diluted Market Cap	8	11	26	28	31	36	21	13	27	25	33	31	36	41	56
Diluted Enterprise Value	18	18	46	49	50	53	36	39	11	-5	-50	18	47	43	28
EV per Share	9.54	9.74	24.4	26.28	26.96	28.93	19.62	21.22	6.56	- -	- -	10.6	27.11	24.89	17.05
TTM Sales	8	9	10	10	10	11	11	11	14	16	18	20	22	26	31
TTM EBITDA	3	3	4	3	4	3	2	1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	3	3	3	2	3	3	1	1	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	3	3	3	3	3	3	3	5	5	7	7	8	10	13
TTM Free Cash Flow to Firm	2	3	3	3	3	3	3	3	6	6	7	8	9	12	13

Multiples (USD)

Valuation Multiples API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.61	4.22	8.59	8.77	9.92	12.18	6.74	4.08	4.43	4.34	4.5	3.88	3.84	3.57	4.16
EV/EBIT	6.02	6.1	14.9	23.08	16.58	17.4	28.29	38.69	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	17	18	45	48	49	53	36	39	12	-4	-49	19	48	44	30
Low Price	8.02	8.95	11.33	13.92	15.17	16.7	11.25	7	13.48	12.85	14.75	17.7	17.6	18.26	24.25
EV/Sales	2.11	2	4.69	4.92	4.75	4.76	3.26	3.62	0.86	- -	- -	0.94	2.2	1.71	0.99
EV/EBITDA	5.42	5.31	12.26	17.28	13.76	15.28	22.25	28.3	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	4.19	5.7	13.14	16.74	15.15	17.26	19.91	13.97	8.75	5.74	5.7	4.68	5.75	5.49	5.46
Price/Earnings Average	8.66	9.84	11.27	15.1	12.97	14.55	30.12	20.25	8.37	5.83	5.17	5.06	5.7	4.63	5.19
Price/Earnings High	10.59	12.78	14.36	18.22	15.66	18.58	36.28	26.55	9.37	7.86	5.73	5.72	6.99	5.89	6.01
Price/Earnings Low	8.22	9.03	10.84	15.86	13.81	14.78	19.91	13.97	7.43	5.09	4.34	4.61	4.82	4.13	4.05
Price/Book Value	0.39	0.5	1.23	1.33	1.55	1.76	0.98	0.61	0.98	0.8	0.94	0.88	0.86	0.84	0.95
Price/Book Value Average	0.81	0.87	1.05	1.2	1.33	1.48	1.48	0.89	0.93	0.82	0.86	0.95	0.86	0.71	0.9
Price/Book Value High	0.99	1.12	1.34	1.45	1.6	1.89	1.78	1.17	1.05	1.1	0.95	1.07	1.05	0.9	1.04
Price/Book Value Low	0.77	0.79	1.01	1.26	1.42	1.51	0.98	0.61	0.83	0.71	0.72	0.86	0.72	0.63	0.7
Price/Tangible Book Value	0.39	0.5	1.23	1.33	1.55	1.76	0.98	0.61	1	0.82	1.1	1.01	0.97	0.92	1.01
Price/Tangible Book Value Average	0.81	0.87	1.05	1.2	1.33	1.48	1.48	0.89	0.95	0.83	0.99	1.09	0.96	0.78	0.96
Price/Tangible Book Value High	0.99	1.12	1.34	1.45	1.6	1.89	1.78	1.17	1.07	1.12	1.1	1.24	1.17	0.99	1.11
Price/Tangible Book Value Low	0.77	0.79	1.01	1.26	1.42	1.51	0.98	0.61	0.85	0.73	0.83	1	0.81	0.69	0.75
Price/Sales	0.96	1.23	2.78	2.84	2.99	3.24	1.87	1.2	2.01	1.52	1.89	1.53	1.64	1.59	1.8
Price/Sales Average	1.99	2.13	2.38	2.56	2.56	2.73	2.82	1.73	1.92	1.54	1.71	1.65	1.62	1.35	1.71
Price/Sales High	2.43	2.77	3.04	3.09	3.09	3.49	3.4	2.27	2.15	2.07	1.9	1.87	1.99	1.71	1.98
Price/Sales Low	1.89	1.96	2.29	2.69	2.72	2.77	1.87	1.2	1.7	1.34	1.44	1.5	1.37	1.2	1.33
Price/Cash Flow	3.61	4.22	8.59	8.77	9.92	12.18	6.74	4.08	5.65	4.52	4.81	4.21	4.75	3.97	4.3
Price/Cash Flow Average	7.47	7.28	7.37	7.91	8.49	10.27	10.19	5.91	5.4	4.59	4.37	4.55	4.71	3.35	4.09
Price/Cash Flow High	9.13	9.45	9.38	9.54	10.25	13.12	12.27	7.75	6.04	6.19	4.84	5.15	5.77	4.26	4.73
Price/Cash Flow Low	7.09	6.68	7.09	8.3	9.04	10.44	6.74	4.08	4.79	4.01	3.66	4.14	3.98	2.99	3.19
Price/Free Cash Flow Average	7.47	7.28	7.37	7.91	8.49	10.27	10.19	5.91	4.23	4.4	4.08	4.19	3.8	3.02	3.95
Price/Free Cash Flow High	9.13	9.45	9.38	9.54	10.25	13.12	12.27	7.75	4.74	5.94	4.52	4.74	4.66	3.83	4.57
Price/Free Cash Flow Low	7.09	6.68	7.09	8.3	9.04	10.44	6.74	4.08	3.76	3.84	3.42	3.82	3.22	2.69	3.08
EV/Sales Average	3.07	2.84	4.32	4.65	4.33	4.25	4.21	4.16	0.77	- -	- -	1.07	2.18	1.45	0.89
EV/Sales High	3.49	3.44	4.94	5.17	4.85	5	4.79	4.7	1.01	0.32	- -	1.29	2.56	1.83	1.17
EV/Sales Low	2.98	2.68	4.23	4.78	4.49	4.3	3.26	3.62	0.55	- -	- -	0.91	1.92	1.3	0.49
EV/EBITDA Average	7.89	7.54	11.28	16.33	12.54	13.67	28.8	32.49	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	8.96	9.13	12.9	18.13	14.04	16.08	32.74	36.71	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	7.65	7.11	11.06	16.76	13.01	13.8	22.25	28.3	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	8.76	8.67	13.71	21.81	15.11	15.56	36.61	44.42	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	9.95	10.5	15.67	24.22	16.93	18.3	41.62	50.17	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	8.49	8.17	13.43	22.39	15.68	15.71	28.29	38.69	- -	- -	- -	- -	- -	- -	- -
Last Price	4.09	5.65	13.73	14.7	16.64	19.5	11.25	7	15.88	14.5	19.4	18	21	24.25	32.75
High Price	10.33	12.66	15	16	17.2	21	20.5	13.3	17	19.85	19.5	22	25.5	26	36
Enterprise Value Average	25	25	41	45	45	47	46	45	10	-4	-52	21	48	38	28
Enterprise Value High	29	31	47	50	50	56	53	50	14	5	-49	26	56	48	36
Enterprise Value Low	25	24	40	47	47	48	36	39	7	-7	-57	18	42	34	15

Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Revenue per Share	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
EBITDA per Share	1.65	1.73	1.89	1.47	1.92	1.87	0.88	0.75	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	1.49	1.5	1.56	1.1	1.6	1.65	0.69	0.55	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	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
Diluted EPS, GAAP	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
Diluted EPS from Cont Ops	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
Dividend per Share	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
Cash Flow per Share	1.13	1.34	1.6	1.68	1.68	1.6	1.67	1.72	2.81	3.21	4.03	4.28	4.42	6.11	7.61
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	2.59	2.62	3.25	2.99	3.7	3.33	3.86	7.31	12.99	20.4	55.49	16.44	6.31	10.29	25.16
Book Value per Share	10.4	11.26	11.19	11.05	10.72	11.08	11.52	11.39	16.25	18.02	20.55	20.48	24.29	28.79	34.56
Tangible Book Value per Share	10.4	11.26	11.19	11.05	10.72	11.08	11.52	11.39	15.94	17.71	17.7	17.77	21.74	26.39	32.31

Citizens Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)