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Citizens Financial Corp (CIWV) Fair Value & Analysis

Financial Services · US · Market cap $77.2M

Price$43.69
Fair Value$77.73
Upside+77.9%
Quality95/100
Evidence: High Range $58.30 – $97.16

Fair value as of: Jun 26, 2026

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Analysis

Citizens Financial Corp (CIWV) currently trades at $43.69, while our model-based Fair Value estimate is $77.73 — implying the stock looks roughly 77.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 servic…

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Frequently asked questions

Is Citizens Financial Corp (CIWV) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $77.73 versus a price of $43.69 — about +78% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CIWV?
Our 21-model fair value for Citizens Financial Corp is $77.73 (as of Jun 26, 2026), built from audited fundamentals. The current price is $43.69.
What is the quality score of CIWV?
Citizens Financial Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.