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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is Citizens Financial Corp?
operates as the bank holding company for Citizens Bank of West Virginia, Inc.
CIWV · Verdict
Strong reward · moderate risk
CIWV scores well on volatility and profitability with no major weaknesses flagged in the model.
Based on 88% data coverage
CIWV · Verdict
What’s working & what to watch
Strengths 4
- Volatility95/100
Top decile vs peers
- Profitability85/100
23% net margin · 16% ROE
- Growth79/100
Rev +24.9% CAGR · earnings +15.9%
- Cash flow78/100
21% free-cash-flow margin
Model-based scoring. For information only — not financial advice.
What is 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. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 66.18M, and a P/E ratio of 6.6x.
Financial Highlights
Investment Breakdown
Analysis
Reward: High (71)The scoring profile indicates a strong reward potential, driven primarily by profitability and growth. Risk indicators are moderate, consistent with typical market exposure.
For informational purposes only. Not financial advice.