Citizens Financial Corp. (CIWV) Stock

About Citizens Financial Corp.

Citizens Financial Corp., based in Elkins, West Virginia, functions as the parent holding company for Citizens Bank of West Virginia, Inc. This financial institution delivers a comprehensive range of retail, commercial, and secondary market lending solutions to both individual consumers and businesses located across West Virginia. Its core banking offerings include diverse deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. For lending needs, the company provides a wide array of options, from personal loans, auto, RV, camper, motorcycle, boat, and ATV financing for individuals, to commercial term loans, lines of credit, real estate loans, and government-guaranteed loans for businesses. Homeowners also have access to mortgage and home equity products. Beyond traditional banking, Citizens Financial Corp. facilitates retirement savings through IRAs, offers debit and credit cards, remote check deposit, and safe deposit box rentals. The company further extends its financial guidance with a robust investment division, providing managed and brokerage accounts, 401Ks, various IRA types (SIMPLE, SEP, Traditional, ROTH), Smart 529 college savings plans, insurance policies, and both fixed and variable annuities. These are complemented by advisory services encompassing retirement planning, estate planning, asset allocation, and college savings strategies, alongside dedicated trust services. Emphasizing convenience, customers can utilize modern services like online banking, mobile banking, mobile deposit, bill payment, telephone banking, credit card processing, wire transfers, and digital wallet capabilities. Established in 1924, the corporation maintains its headquarters in Elkins, West Virginia, and serves its communities through six physical branch locations found in Elkins, Beverly, Parsons, Snowshoe, Buckhannon, and New Martinsville.

Citizens Financial Corp. is headquartered in US.

Citizens Financial Corp. (CIWV) stock trades at $48.99 with a market capitalization of $83.25M. The stock is valued at a price-to-earnings (P/E) ratio of 7.20, price-to-book of 1.35, price-to-sales of 1.72. Over the past 52 weeks the stock has ranged between $30.85 and $52.00, and currently trades 5.8% below its 52-week high. It pays a dividend yielding 2.45%.

On profitability, Citizens Financial Corp. generates a return on equity (ROE) of 20.24% — well above the market average, a sign of a high-quality business, return on capital employed of 17.37%, an operating margin of 31.22%, a net profit margin of 25.17%.

Official website: www.citizenswv.com