What is the fair value of Citizens Financial Corp (OTC-CIWV) stock?

The current fair value estimate for Citizens Financial Corp (OTC-CIWV) is $42.97. This implies an estimated downside of 12.5% versus the current market price.

Is Citizens Financial Corp (OTC-CIWV) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 12.5% versus the current market price.

How is the financial health of Citizens Financial Corp?

The current financial health read for Citizens Financial Corp (OTC-CIWV) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is Citizens Financial Corp's next earnings date?

The next earnings date currently listed for Citizens Financial Corp (OTC-CIWV) is October 15, 2026.

Does Citizens Financial Corp (OTC-CIWV) pay dividends?

Based on the current data, dividend yield is 2.4%.

What is the P/E ratio for Citizens Financial Corp (OTC-CIWV)?

The current P/E ratio listed for Citizens Financial Corp (OTC-CIWV) is 7.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Citizens Financial Corp?

The current market capitalization listed for Citizens Financial Corp is 88.118 M.

What is the ticker symbol for Citizens Financial Corp?

The ticker symbol for Citizens Financial Corp is OTC-CIWV, and the stock is listed on OTC Markets.

Where is Citizens Financial Corp (OTC-CIWV) listed?

Citizens Financial Corp (OTC-CIWV) is listed on OTC Markets.

What is the debt-to-total-capital ratio for Citizens Financial Corp?

The current debt-to-total-capital ratio listed for Citizens Financial Corp is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

Citizens Financial Corp (CIWV) Fair Value & Stock Analysis |...

Citizens Financial Corp (CIWV)

Citizens Financial Corp. is a bank holding company for Citizens Bank of West Virginia, Inc. and is listed on OTC Markets as common stock. Through its banking subsidiary, the company serves consumers and businesses in West Virginia with retail, secondary market, and commercial lending activities, along with a range of deposit products such as checking, savings, money market, IRA, and certificate of deposit accounts. Its lending portfolio includes consumer loans like auto, personal, RV and camper, motorcycle, boat, and ATV loans, as well as commercial term loans, lines of credit, real estate loans, government-guaranteed loans, home loans, and home equity lending. The company also provides debit and credit cards, insured cash sweep and CDARS, investment and trust services, retirement and estate planning, digital and branch-based banking tools, and other support services. Founded in 1924 and headquartered in Elkins, West Virginia, Citizens Financial Corp. operates as a regional banking organization.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Payout Ratio
OTC-CIWV	$42.97	-12.5% Downside	Fair	Not available	Not available	Great	2.4%	October 15, 2026	7.2x	1.4x	2.7x	88.118 M	0.0%	17.6%