Citizens Financial Corp. CIWV | OTC
Company Overview:
10 Year CIWV Performance Metrics:
CIWV Dividend Charts
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CIWV Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
Ratios, Profit Margins & Return on Capital:
CIWV Dividends Info:
Projected Future Returns & Dividends for CIWV
Based on past 10-year performance, here are CIWV growth metrics:
Share price CAGR of +18.67%
Dividend CAGR of +14.13%
Using CIWV CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| CIWV (DRIP) | CIWV - No DRIP | |
|---|---|---|
| Current Price | $56.00 | $56.00 |
| Start Shares | 178.57 | 178.57 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 213.90 | 178.57 |
| Dividends Payment | $1.13 | $1.13 |
| Annual Dividends | $963 | $804 |
| Yield on cost | 9.63% | 8.04% |
| Share Price | $310.19 | $310.19 |
| Total Dividends | $4,674 | $4,171 |
| Final Value | $66,349 | $59,561 |
NOTE: Above numbers are our estimate based on CIWV's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
Company Info
Citizens Financial Corp. (CIWV) had its IPO on 2000-01-03, and is traded on OTC stock exchange.
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.
CIWV website: https://www.citizenswv.com
DCF Model — CIWV
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
| Year | FCF | Implied price |
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