Citizens Financial Corp (CIWV) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Citizens Financial Corp stock $44.07, price $55.10, that is 20.0% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Citizens Financial Corp
CIWV · USOur calculation puts a fair price 20% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $5.77 – $56.76 · fair‑value band $35.23 – $64.89 · the $55.10 price screens above the $44.07 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company 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.
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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.
Stock analysis
Citizens Financial Corp (CIWV) currently trades at $55.10, while our model-based Fair Value estimate is $44.07, 20% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $54.61 per share, and 1 of the 6 models we run sit above the $55.10 price.
Bear case: the Dividend Discount group reads lowest at $13.74, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $35.23 (bear) to $64.89 (bull), the price of $55.10 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Citizens Financial Corp reported revenue of $44.3M in FY2025 versus $18.7M in FY2021, a compound +24.0%/yr. Reported net income was $10.2M in FY2025, compounding +15.1%/yr from FY2021.
Key figures
Market cap $98.9M Micro · P/E ratio 7.7 · P/S ratio 2.85 · EPS (TTM) $7.33 · Dividend yield 2.1% · Net margin 38.0% · Return on equity 18.0% · Return on assets (EBIT) 1.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (medium confidence).
What moves the price
The share trades about 3% below its 52-week high and 77% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, CIWV screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
CIWV screens overvalued: fair value 20% below the price. Compare with China Merchants Bank Co →
Compare Citizens Financial Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/B ratio by industry
- Net margin by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CIWV |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CIWV |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CIWV |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CIWV |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CIWV |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CIWV |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs CIWV |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CIWV |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CIWV |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CIWV |
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Frequently asked questions
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Key figures of Citizens Financial Corp
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