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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. 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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 13.00M | 9.52M | 7.80M | - | - |
| Net income | 10.18M | 7.54M | 6.24M | - | - |
| Selling general administrative | 0.63M | 0.41M | 0.29M | - | - |
| Selling and marketing expenses | - | 8.81M | 8.07M | - | - |
| Gross profit | 28.91M | 25.98M | 21.91M | - | - |
| Reconciled depreciation | 0.74M | 0.72M | 0.65M | - | - |
| Ebit | - | 9.52M | 7.80M | - | - |
| Ebitda | 13.00M | 10.24M | 8.45M | - | - |
| Depreciation and amortization | - | 0.72M | 0.65M | - | - |
| Operating income | 13.00M | 9.52M | 7.80M | - | - |
| Other operating expenses | 31.25M | 32.07M | 24.52M | 1.58M | 1.13M |
| Interest expense | 13.32M | 15.62M | 10.42M | - | - |
| Tax provision | 2.82M | 1.98M | 1.56M | - | - |
| Interest income | 39.75M | 37.25M | 28.32M | - | - |
| Net interest income | 26.43M | 21.64M | 17.91M | - | - |
| Income tax expense | 2.82M | 1.98M | 1.56M | 1.69M | 1.50M |
| Total revenue | 44.26M | 41.59M | 32.32M | - | - |
| Total operating expenses | 15.91M | 16.45M | 14.11M | - | - |
| Cost of revenue | 15.34M | 15.62M | 10.42M | - | - |
| Total other income expense net | - | -2.21M | -2.35M | - | - |
| Net income from continuing ops | 10.18M | 7.54M | 6.24M | - | - |
| Net income applicable to common shares | - | - | - | 6.54M | 5.79M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 704.63M | 666.71M | 651.86M | - | - |
| Intangible assets | 1.27M | 1.53M | 1.78M | - | - |
| Other current assets | - | 0.99M | 12.54M | 1.68M | 1.22M |
| Total liab | 642.81M | 615.35M | 608.70M | - | - |
| Total stockholder equity | 61.81M | 51.36M | 43.15M | - | - |
| Other current liab | - | 591.32M | 578.64M | - | - |
| Common stock | 4.69M | 4.68M | 4.66M | 4.66M | 4.66M |
| Capital stock | 4.69M | 4.68M | 4.66M | - | - |
| Retained earnings | 63.53M | 55.15M | 49.18M | 44.44M | 39.32M |
| Other liab | - | - | - | 3.67M | 4.01M |
| Good will | 2.75M | 2.75M | 2.75M | - | - |
| Other assets | - | 645.01M | -14.85M | 456.84M | 297.28M |
| Cash | 9.59M | 18.36M | 11.22M | - | - |
| Total current liabilities | 0.85M | 591.32M | 578.64M | 535.09M | 439.36M |
| Net debt | 8.17M | 1.15M | 10.85M | - | - |
| Short term debt | 0.85M | 0.49M | 6.48M | - | - |
| Short long term debt total | 17.76M | 19.51M | 22.06M | - | - |
| Other stockholder equity | -4.32M | -8.47M | -10.69M | -8.24M | -3.02M |
| Property plant equipment | - | - | - | 6.03M | 7.92M |
| Total current assets | 12.28M | 20.71M | 13.53M | 31.79M | 100.48M |
| Long term investments | 11.11M | 10.01M | 41.02M | - | - |
| Net tangible assets | - | - | - | 31.48M | 31.36M |
| Short term investments | - | - | -30.74M | - | - |
| Net receivables | 2.69M | 2.35M | 2.31M | - | - |
| Inventory | - | - | -13.53M | 1.00M | 0.93M |
| Accounts payable | - | - | - | 520.05M | 420.36M |
| Accumulated other comprehensive income | -2.08M | -4.08M | -6.19M | - | - |
| Non currrent assets other | 15.32M | 89.24M | 105.52M | - | - |
| Non current assets total | 692.35M | 646.00M | 638.32M | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -0.17M | -8.40M | -77.51M | -15.46M | -69.33M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -11.52M | -8.40M | -77.51M | -171.89M | -9.38M |
| Net borrowings | -2.24M | -5.99M | -5.05M | -2.78M | 8.64M |
| Total cash from financing activities | 25.23M | 5.12M | 52.05M | 95.40M | 64.70M |
| Change to operating activities | - | - | - | -0.02M | 0.23M |
| Net income | 10.18M | 7.54M | 6.24M | 6.54M | 5.79M |
| Change in cash | 26.64M | 7.14M | -17.90M | -69.21M | 62.19M |
| Begin period cash flow | 18.36M | 11.22M | 29.11M | - | - |
| End period cash flow | 45.00M | 18.36M | 11.22M | - | - |
| Total cash from operating activities | 12.93M | 10.43M | 7.56M | 7.27M | 6.86M |
| Depreciation | 0.74M | 0.72M | 0.65M | 0.60M | 0.33M |
| Other cashflows from investing activities | -11.22M | -25.43M | -81.26M | -3.98M | -0.17M |
| Dividends paid | 1.79M | 1.57M | 1.46M | -1.42M | -1.21M |
| Change to account receivables | - | -0.03M | -0.63M | - | - |
| Sale purchase of stock | -0.08M | -0.00M | -0.03M | - | - |
| Other cashflows from financing activities | 29.34M | 12.68M | 58.60M | 99.69M | 57.36M |
| Change to netincome | - | - | - | 0.61M | 0.64M |
| Capital expenditures | 0.44M | 1.16M | 1.80M | 0.62M | 0.49M |
| Change in working capital | 0.22M | 0.11M | -0.17M | - | - |
| Stock based compensation | 0.15M | 0.13M | 0.12M | - | - |
| Other non cash items | 2.53M | 2.77M | 0.83M | - | - |
| Free cash flow | 12.50M | 9.27M | 5.76M | - | - |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CIWV Citizens Financial Corp |
-0.76 1.34% |
56.00 | 7.22 | - | 2.67 | 1.30 | 2.47 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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. 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. William J. Brown | VP & Director | 1946 |
| Mr. Nathaniel S. Bonnell CPA, CPA | Pres, CEO & Director | 1982 |
| Ms. Leesa M. Harris CTFA | Sec. | 1964 |
| Ms. Belinda J. Clevenger CPA | VP & Treasurer | NA |
| Mr. Nathaniel S. Bonnell CPA | President, CEO & Director | 1982 |
| Mr. Anthony N. Ricottilli CPA | Senior VP, CFO & Treasurer | NA |
| Ms. Deborah L. Swiger | Senior VP & COO | NA |
| Mr. Daniel L. Ware | VP & CTO | NA |
| Mr. Dustin J. Casto | VP & Chief Information Officer | NA |
| Mr. Trevor J. Kiess Esq. | VP of Trust Officer & General Counsel | NA |
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Basic Materials
+0.02%
Communication Services
-0.63%
Consumer Cyclical
-0.11%
Consumer Defensive
-0.45%
Energy
+0.39%
Financial Services
-0.10%
Financials
-0.81%
Healthcare
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Industrials
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Real Estate
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Technology
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Utilities
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Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
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