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Citizens Financial Corp. CIWV

Sector:

Financial Services

Industry:

Banks - Regional

Description:

Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that provides 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, 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, line of credit, real estate loans, and government guaranteed loans, as well as home loans and home equity; IRAs; debit and credit cards; remote deposit; and safe deposit boxes rental. It also provides investment products, such as managed and brokerage accounts, 401K, simple and SEP IRAS, traditional and ROTH IRA, smart 529 plans, insurance, and fixed and variable annuities; investment services, including retirement planning, estate planning, asset allocation, and college savings; and trust services. In addition, the company offers online banking, mobile banking, mobile deposit, bill pay, telephone banking, and credit card processing services, as well as wire transfers and digital wallet. It operates six offices in Elkins, Beverly, Parsons, Snowshoe, Buckhannon, and New Martinsville. The company was founded in 1924 and is headquartered in Elkins, West Virginia.
Citizens Financial Corp. website

Recent Quarter:

2023-12-30

Upcoming Quarter:

N/A

Quarterly Reports

Date2024-03-31
Revenue 9,572,000
Net Income 1,559,000
EPS 0.88
Basic Shares 1,776,337
Diluted Shares 1,776,337
Report Link
Date2023-12-31
Revenue 9,070,000
Net Income 1,559,000
EPS 0.88
Basic Shares 1,776,337
Diluted Shares 1,776,337
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Date2023-09-30
Revenue 8,269,000
Net Income 1,596,000
EPS 0.9
Basic Shares 1,771,174
Diluted Shares 1,771,174
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Date2023-06-30
Revenue 7,646,000
Net Income 1,565,000
EPS 0.87
Basic Shares 1,798,851
Diluted Shares 1,798,851
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Date2023-03-31
Revenue 7,169,000
Net Income 1,521,000
EPS 0.86
Basic Shares 0
Diluted Shares 0
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Date2022-12-31
Revenue 5,351,000
Net Income 1,627,000
EPS 0.93
Basic Shares 1,749,462
Diluted Shares 1,749,462
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Date2022-09-30
Revenue 5,094,000
Net Income 1,709,000
EPS 0
Basic Shares 0
Diluted Shares 0
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Date2022-06-30
Revenue 4,804,000
Net Income 1,931,000
EPS 0
Basic Shares 0
Diluted Shares 0
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Date2022-03-31
Revenue 4,324,000
Net Income 1,271,000
EPS 0
Basic Shares 0
Diluted Shares 0
Report Link
Date2009-09-30
Revenue 2,454,000
Net Income 428,000
EPS 0.23
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2009-06-30
Revenue 2,702,000
Net Income 536,000
EPS 0.29
Basic Shares 1,829,504
Diluted Shares 1,829,504
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Date2009-03-31
Revenue 2,732,000
Net Income 518,000
EPS 0.28
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2008-12-31
Revenue 2,906,730
Net Income -410,572
EPS -0.22
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2008-09-30
Revenue 2,733,000
Net Income 512,000
EPS 0.28
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2008-06-30
Revenue 2,533,000
Net Income 353,000
EPS 0.19
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2008-03-31
Revenue 2,536,000
Net Income 462,000
EPS 0.25
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2007-12-31
Revenue 2,627,685
Net Income -122,174
EPS -0.0668
Basic Shares 1,829,504
Diluted Shares 1,829,504
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Date2007-09-30
Revenue 2,830,000
Net Income 432,000
EPS 0.23
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2007-06-30
Revenue 2,818,000
Net Income 271,000
EPS 0.15
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2007-03-31
Revenue 2,749,000
Net Income 453,000
EPS 0.25
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2006-12-31
Revenue 2,820,996
Net Income 432,891
EPS 0.23
Basic Shares 1,848,052
Diluted Shares 1,848,052
Report Link
Date2006-09-30
Revenue 2,784,000
Net Income 550,000
EPS 0.3
Basic Shares 1,837,959
Diluted Shares 1,837,959
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Date2006-06-30
Revenue 2,711,000
Net Income 534,000
EPS 0.29
Basic Shares 1,847,693
Diluted Shares 1,847,693
Report Link
Date2006-03-31
Revenue 2,809,000
Net Income 570,000
EPS 0.31
Basic Shares 1,853,964
Diluted Shares 1,853,964
Report Link
Date2005-12-31
Revenue 2,776,865
Net Income 622,186
EPS 0.34
Basic Shares 1,857,789
Diluted Shares 1,857,789
Report Link
Date2005-09-30
Revenue 2,614,000
Net Income 612,000
EPS 0.33
Basic Shares 1,854,545
Diluted Shares 1,854,545
Report Link
Date2005-06-30
Revenue 2,515,000
Net Income 438,000
EPS 0.23
Basic Shares 1,904,348
Diluted Shares 1,904,348
Report Link
Date2005-03-31
Revenue 2,482,000
Net Income 375,000
EPS 0.2
Basic Shares 1,875,000
Diluted Shares 1,875,000
Report Link
Date2004-12-31
Revenue 2,510,135
Net Income 529,339
EPS 0.28
Basic Shares 1,886,316
Diluted Shares 1,886,316
Report Link
Date2004-09-30
Revenue 2,441,000
Net Income 440,000
EPS 0.23
Basic Shares 1,879,589
Diluted Shares 1,879,589
Report Link
Date2004-06-30
Revenue 2,395,000
Net Income 153,000
EPS 0.0799
Basic Shares 1,896,030
Diluted Shares 1,896,030
Report Link
Date2004-03-31
Revenue 2,417,000
Net Income 534,000
EPS 0.28
Basic Shares 1,896,030
Diluted Shares 1,896,030
Report Link
Date2003-12-31
Revenue 2,424,343
Net Income 469,949
EPS 0.25
Basic Shares 1,897,155
Diluted Shares 1,897,155
Report Link
Date2003-09-30
Revenue 2,398,000
Net Income 539,000
EPS 0.28
Basic Shares 1,925,363
Diluted Shares 1,925,363
Report Link
Date2003-06-30
Revenue 2,356,000
Net Income 492,000
EPS 0.25
Basic Shares 1,939,432
Diluted Shares 1,939,432
Report Link
Date2003-03-31
Revenue 2,336,000
Net Income 511,000
EPS 0.26
Basic Shares 1,941,511
Diluted Shares 1,941,511
Report Link
Date2002-12-31
Revenue 2,404,139
Net Income 594,557
EPS 0.31
Basic Shares 1,941,457
Diluted Shares 1,941,457
Report Link
Date2002-09-30
Revenue 2,248,000
Net Income 481,000
EPS 0.25
Basic Shares 1,943,360
Diluted Shares 1,943,360
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Date2002-06-30
Revenue 2,173,000
Net Income 435,000
EPS 0.22
Basic Shares 1,947,081
Diluted Shares 1,947,081
Report Link
Date2002-03-31
Revenue 2,075,000
Net Income 417,000
EPS 0.21
Basic Shares 1,948,568
Diluted Shares 1,948,568
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Date2001-12-31
Revenue 2,151,017
Net Income 575,735
EPS 0.3
Basic Shares 1,948,526
Diluted Shares 1,948,526
Report Link
Date2001-09-30
Revenue 2,029,000
Net Income 421,000
EPS 0.21
Basic Shares 1,952,105
Diluted Shares 1,952,105
Report Link
Date2001-06-30
Revenue 2,041,000
Net Income 477,000
EPS 0.24
Basic Shares 1,953,790
Diluted Shares 1,953,790
Report Link
Date2001-03-31
Revenue 2,063,000
Net Income 431,000
EPS 0.22
Basic Shares 1,953,790
Diluted Shares 1,953,790
Report Link
Date2000-12-31
Revenue 2,093,033
Net Income 500,243
EPS 0.26
Basic Shares 1,957,898
Diluted Shares 1,957,898
Report Link
Date2000-09-30
Revenue 1,945,000
Net Income 487,000
EPS 0.25
Basic Shares 1,957,958
Diluted Shares 1,957,958
Report Link
Date2000-06-30
Revenue 1,910,000
Net Income 492,000
EPS 0.25
Basic Shares 1,957,958
Diluted Shares 1,957,958
Report Link
Date2000-03-31
Revenue 1,760,000
Net Income 410,000
EPS 0.21
Basic Shares 1,963,045
Diluted Shares 1,963,045
Report Link

Quarterly Ratios

Date2024-03-31
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-12-31
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-09-30
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-06-30
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2023-03-31
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-12-31
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-09-30
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-06-30
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2022-03-31
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2009-09-30
Dividend Yield 1.46
Payout Ratio: 51.402%
Date2009-06-30
Dividend Yield 1.45
Payout Ratio: 40.858%
Date2009-03-31
Dividend Yield 0.00
Payout Ratio: 0.000%
Date2008-12-31
Dividend Yield 0.57
Payout Ratio: -17.732%
Date2008-09-30
Dividend Yield 1.34
Payout Ratio: 42.969%
Date2008-06-30
Dividend Yield 1.27
Payout Ratio: 62.323%
Date2008-03-31
Dividend Yield 1.02
Payout Ratio: 47.403%
Date2007-12-31
Dividend Yield 1.06
Payout Ratio: -179.385%
Date2007-09-30
Dividend Yield 0.80
Payout Ratio: 50.926%
Date2007-06-30
Dividend Yield 0.69
Payout Ratio: 81.181%
Date2007-03-31
Dividend Yield 0.66
Payout Ratio: 48.344%
Date2006-12-31
Dividend Yield 1.07
Payout Ratio: 88.817%
Date2006-09-30
Dividend Yield 0.69
Payout Ratio: 40.182%
Date2006-06-30
Dividend Yield 0.68
Payout Ratio: 41.386%
Date2006-03-31
Dividend Yield 0.66
Payout Ratio: 38.947%
Date2005-12-31
Dividend Yield 1.36
Payout Ratio: 69.549%
Date2005-09-30
Dividend Yield 0.60
Payout Ratio: 30.556%
Date2005-06-30
Dividend Yield 0.59
Payout Ratio: 42.466%
Date2005-03-31
Dividend Yield 0.61
Payout Ratio: 49.867%
Date2004-12-31
Dividend Yield 1.42
Payout Ratio: 76.527%
Date2004-09-30
Dividend Yield 0.64
Payout Ratio: 42.727%
Date2004-06-30
Dividend Yield 0.69
Payout Ratio: 123.529%
Date2004-03-31
Dividend Yield 0.72
Payout Ratio: 35.581%
Date2003-12-31
Dividend Yield 1.43
Payout Ratio: 80.720%
Date2003-09-30
Dividend Yield 0.72
Payout Ratio: 35.622%
Date2003-06-30
Dividend Yield 0.77
Payout Ratio: 39.228%
Date2003-03-31
Dividend Yield 0.77
Payout Ratio: 37.965%
Date2002-12-31
Dividend Yield 1.80
Payout Ratio: 70.650%
Date2002-09-30
Dividend Yield 0.76
Payout Ratio: 33.680%
Date2002-06-30
Dividend Yield 0.77
Payout Ratio: 37.011%
Date2002-03-31
Dividend Yield 0.86
Payout Ratio: 39.089%
Date2001-12-31
Dividend Yield 2.01
Payout Ratio: 61.927%
Date2001-09-30
Dividend Yield 0.90
Payout Ratio: 38.717%
Date2001-06-30
Dividend Yield 0.98
Payout Ratio: 33.962%
Date2001-03-31
Dividend Yield 0.98
Payout Ratio: 37.819%
Date2000-12-31
Dividend Yield 2.39
Payout Ratio: 77.849%
Date2000-09-30
Dividend Yield 0.72
Payout Ratio: 26.899%
Date2000-06-30
Dividend Yield 0.85
Payout Ratio: 26.423%
Date2000-03-31
Dividend Yield 0.65
Payout Ratio: 31.951%

Annual Reports

Date2023-12-31
Revenue 32,302,816
Net Income 6,240,807
EPS 3.51
Basic Shares 1,776,573
Diluted Shares 1,776,573
Report Link
Date2022-12-31
Revenue 22,711,208
Net Income 6,538,527
EPS 3.7
Basic Shares 1,768,712
Diluted Shares 1,768,712
Report Link
Date2021-12-31
Revenue 18,723,556
Net Income 5,792,583
EPS 3.27
Basic Shares 1,771,531
Diluted Shares 1,771,531
Report Link
Date2020-12-31
Revenue 17,967,697
Net Income 4,309,827
EPS 2.43
Basic Shares 1,774,969
Diluted Shares 1,774,969
Report Link
Date2019-12-31
Revenue 15,731,673
Net Income 3,098,603
EPS 1.74
Basic Shares 1,777,561
Diluted Shares 1,777,561
Report Link
Date2015-12-31
Revenue 10,290,475
Net Income 1,453,395
EPS 0.81
Basic Shares 1,800,347
Diluted Shares 1,800,346
Report Link
Date2014-12-31
Revenue 10,698,970
Net Income 2,095,387
EPS 1.16
Basic Shares 1,813,737
Diluted Shares 1,813,737
Report Link
Date2008-12-31
Revenue 10,708,730
Net Income 916,428
EPS 0.5
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2007-12-31
Revenue 11,024,685
Net Income 1,033,826
EPS 0.57
Basic Shares 1,829,504
Diluted Shares 1,829,504
Report Link
Date2006-12-31
Revenue 11,124,996
Net Income 2,086,891
EPS 1.13
Basic Shares 1,846,806
Diluted Shares 1,846,806
Report Link
Date2005-12-31
Revenue 10,387,865
Net Income 2,047,186
EPS 1.1
Basic Shares 1,864,215
Diluted Shares 1,864,215
Report Link
Date2004-12-31
Revenue 9,763,135
Net Income 1,656,339
EPS 0.88
Basic Shares 1,886,631
Diluted Shares 1,886,631
Report Link
Date2003-12-31
Revenue 9,514,343
Net Income 2,011,949
EPS 1.05
Basic Shares 1,925,820
Diluted Shares 1,925,820
Report Link
Date2002-12-31
Revenue 8,900,139
Net Income 1,927,557
EPS 0.99
Basic Shares 1,945,105
Diluted Shares 1,945,105
Report Link
Date2001-12-31
Revenue 8,284,017
Net Income 1,904,735
EPS 0.98
Basic Shares 1,952,048
Diluted Shares 1,952,048
Report Link
Date2000-12-31
Revenue 7,708,033
Net Income 1,889,243
EPS 0.97
Basic Shares 1,957,943
Diluted Shares 1,957,943
Report Link
Date1999-12-31
Revenue 6,800,000
Net Income 1,100,000
EPS 0.56
Basic Shares 1,978,709
Diluted Shares 1,978,709
Report Link

Annual Ratios

Date2023-12-31
Dividend Yield 3.91
Payout Ratio: 23.388%
Date2022-12-31
Dividend Yield 4.47
Payout Ratio: 21.749%
Date2021-12-31
Dividend Yield 3.43
Payout Ratio: 20.862%
Date2020-12-31
Dividend Yield 4.22
Payout Ratio: 25.180%
Date2019-12-31
Dividend Yield 3.79
Payout Ratio: 34.496%
Date2015-12-31
Dividend Yield 3.10
Payout Ratio: 42.228%
Date2014-12-31
Dividend Yield 2.25
Payout Ratio: 15.591%
Date2008-12-31
Dividend Yield 5.71
Payout Ratio: 79.854%
Date2007-12-31
Dividend Yield 4.27
Payout Ratio: 84.943%
Date2006-12-31
Dividend Yield 2.91
Payout Ratio: 50.241%
Date2005-12-31
Dividend Yield 3.10
Payout Ratio: 48.492%
Date2004-12-31
Dividend Yield 3.40
Payout Ratio: 58.689%
Date2003-12-31
Dividend Yield 3.55
Payout Ratio: 47.633%
Date2002-12-31
Dividend Yield 3.87
Payout Ratio: 47.005%
Date2001-12-31
Dividend Yield 4.75
Payout Ratio: 44.339%
Date2000-12-31
Dividend Yield 4.79
Payout Ratio: 41.362%
Date1999-12-31
Dividend Yield 2.86
Payout Ratio: 63.636%

RSI:

71.75

Price:

$19.50

Market Cap:

35,685,000

EPS TTM:

3.53

PE Ratio:

5.52

PEPSG:

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Volume:

441

2 Year Price Change

No Price 2 Years Ago

Index 2 Year Price Change

1.357

5 Year Price Change

No Price 5 Years Ago

Index 5 Year Price Change

1.804
PESPG: Growth Rate of EPS projected to next quarter and 6 months trailing. Lower is better to help calculate nexts quarters PE Ratio today. Diluted shares effects the EPS reported and makes calculation show as extremely poor expected growth.

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