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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 Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CIWV
$41.65
-16.7% Downside
Fair
—
—
—
Great
July 17, 2026
July 29, 2026
1.2
2.4%
July 23, 2026
7.2x
1.4x
2.7x
89.715 M
—
0.0%
—
—
—
—
Valuation • Fair Value

Citizens Financial Corp (OTC-CIWV) Fair Value by Valuation Model

Compare the primary fair value estimate for Citizens Financial Corp (OTC-CIWV) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$41.65

Estimated downside of 16.7% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$75.45

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$41.65

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Citizens Financial Corp (OTC-CIWV) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Citizens Financial Corp (OTC-CIWV)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

32.983 M

Current operating scale indicator.

Revenue Forecast

32.526 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Citizens Financial Corp (OTC-CIWV) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Citizens Financial Corp (OTC-CIWV)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

1

Weak quality score that deserves closer review.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

Not available

Data is currently unavailable.

FCF / Net Income

Not available

Data is currently unavailable.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Citizens Financial Corp (OTC-CIWV). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Citizens Financial Corp (OTC-CIWV)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 23, 2026

Days to Earnings

2

Dividend Payment Date

July 29, 2026

Ex-Dividend Date

July 17, 2026

Dividend Yield

2.4%

Income yield reference.

Upcoming Dividend

1.2

Upcoming distribution amount.

Payment Type

Cash

Distribution type as reported in the data.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Citizens Financial Corp (OTC-CIWV), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Citizens Financial Corp (OTC-CIWV) Stock Forecast & Technical Outlook

Review Citizens Financial Corp (OTC-CIWV) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Citizens Financial Corp (OTC-CIWV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Citizens Financial Corp (OTC-CIWV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Citizens Financial Corp (OTC-CIWV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Citizens Financial Corp (OTC-CIWV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Citizens Financial Corp (OTC-CIWV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Citizens Financial Corp (OTC-CIWV)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Citizens Financial Corp (OTC-CIWV) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

Citizens Financial Corp (OTC-CIWV) Stock FAQ

Quick answers about Citizens Financial Corp (OTC-CIWV) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$41.65
Estimated downside 16.7%
Valuation Rating
Overvalued
Estimated downside of 16.7%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Great
Current financial-health read

The current fair value estimate for Citizens Financial Corp (OTC-CIWV) is $41.65. This implies an estimated downside of 16.7% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 16.7% versus the current market price.

An analyst price target for Citizens Financial Corp (OTC-CIWV) is not currently available in the latest data file.

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.

The next earnings date currently listed for Citizens Financial Corp (OTC-CIWV) is July 23, 2026.

Based on the current data, dividend yield is 2.4%, upcoming dividend amount is 1.2, ex-dividend date is July 17, 2026, payment date is July 29, 2026.

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.

The current market capitalization listed for Citizens Financial Corp is 89.715 M.

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

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

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.

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