Citizens Financial Corp. CIWV | OTC
$49.31
-$0.79 | -1.58%
SIGNAL:
|2026-09-24
|F&G 59
|RSI 53.9
|2026-09-24
|F&G 59
|RSI 53.9
Company Overview:
Market Cap:
$88.48M
Trailing PE:
7.3x
FWD PE:
—
Payout Ratio (TTM):
0.0%
52-Week Range:
$30.85 - $52.00
10 Year CIWV Performance Metrics:
Total Return (with DRIP):
609% (21.63% CAGR)
Total Return (no DRIP):
458.9% (18.78% CAGR)
Share Price:
387.7% (17.17% CAGR)
Yield on Cost (with DRIP):
17.24%
Total Invested:
$10,000
Total Value (with DRIP):
$70,857
Total Return $ (with DRIP):
$60,857
Dividend Increase:
170.0% (10.73% CAGR)
Dividend Yield (FWD):
2.43% ($1.20)
CIWV 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
CIWV Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
CIWV Price CAGR:1Y: 48.30%2Y: 56.01%5Y: 21.74%10Y: 17.17%
CIWV Dividend Charts
CIWV Dividend CAGR:1Y: 20.00%2Y: 16.77%5Y: 12.03%10Y: 14.13%
CIWV Dividend Payout Ratio CAGR:1Y: -21.16%2Y: -24.79%5Y: 0.00%10Y: -9.05%
CIWV Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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CIWV Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
CIWV Revenue CAGR:1Y: 15.38%2Y: 11.27%5Y: 35.54%10Y: 17.86%
CIWV EPS CAGR:1Y: 37.06%2Y: 47.57%5Y: 47.58%10Y: 21.48%
CIWV Net Income CAGR:1Y: 37.47%2Y: 48.03%5Y: 46.66%10Y: 20.74%
CIWV EBITDA CAGR:1Y: 38.93%2Y: 0.00%5Y: 44.06%10Y: 18.02%
CIWV Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CIWV Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CIWV Operating Income CAGR:1Y: 38.93%2Y: -16.76%5Y: 47.31%10Y: 20.48%
CIWV Gross Profit CAGR:1Y: 18.67%2Y: -6.27%5Y: 26.55%10Y: 13.88%
CIWV Shares Outstanding CAGR:1Y: 0.35%2Y: 0.50%5Y: -0.39%10Y: -0.55%
CIWV Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CIWV Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CIWV Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
CIWV Actual Revenue CAGR:1Y: 15.38%2Y: 11.27%5Y: 35.54%10Y: 17.86%
CIWV Actual EPS CAGR:1Y: 37.06%2Y: 47.57%5Y: 47.58%10Y: 21.48%
CIWV Actual Net Income CAGR:1Y: 37.47%2Y: 48.03%5Y: 46.66%10Y: 20.74%
CIWV Actual EBITDA CAGR:1Y: 38.93%2Y: 0.00%5Y: 44.06%10Y: 18.02%
Ratios, Profit Margins & Return on Capital:
CIWV Net Profit Margin CAGR:1Y: 19.14%2Y: 33.05%5Y: 8.21%10Y: 2.45%
CIWV Gross Profit Margin CAGR:1Y: 2.84%2Y: -15.77%5Y: -6.63%10Y: -3.37%
CIWV Price to Earnings CAGR:1Y: 4.18%2Y: 4.43%5Y: 6.47%10Y: -7.44%
CIWV Price To Sales Ratio CAGR:1Y: 24.19%2Y: 38.98%5Y: 15.22%10Y: -5.17%
CIWV Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CIWV Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CIWV Dividends Info:
Annual Dividend:
$1.2
Forward Yield:
2.43%
Ex-Dividend Date:
2026-07-17
Lifetime Dividends / Share:
$13.03
CIWV Dividend History: Dates, Payments & Yield list
Below is a schedule of all CIWV dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 07/17/2026 | 07/29/2026 | $0.300 | 2.45% | 2.53% | $47.50 |
| 04/17/2026 | 04/29/2026 | $0.270 | 2.51% | 2.11% | $51.19 |
| 01/16/2026 | 01/28/2026 | $0.270 | 3.25% | 3% | $36.00 |
| 10/17/2025 | 10/29/2025 | $0.250 | 2.88% | 2.97% | $33.64 |
| 07/18/2025 | 07/30/2025 | $0.250 | 3.12% | 2.99% | $33.50 |
| 04/17/2025 | 04/30/2025 | $0.250 | 3.6% | 3.3% | $30.30 |
| 01/17/2025 | 01/29/2025 | $0.250 | 3.7% | 3.57% | $28.00 |
| 10/18/2024 | 10/30/2024 | $0.220 | 3.91% | 3.75% | $23.45 |
| 07/19/2024 | 07/31/2024 | $0.220 | 4.57% | 4.29% | $20.50 |
| 04/18/2024 | 05/01/2024 | $0.220 | 4.51% | 4.51% | $19.50 |
| 01/18/2024 | 01/31/2024 | $0.220 | 4.63% | 4.35% | $20.25 |
| 10/19/2023 | 11/01/2023 | $0.220 | 4.12% | 4.19% | $21.00 |
| 07/20/2023 | 08/02/2023 | $0.200 | 3.72% | 3.72% | $21.50 |
| 04/20/2023 | 05/03/2023 | $0.200 | 3.27% | 3.27% | $24.50 |
| 01/19/2023 | 02/01/2023 | $0.200 | 4.5% | 4.55% | $17.60 |
| 10/20/2022 | 11/02/2022 | $0.200 | 4.12% | 4.44% | $18.00 |
| 07/21/2022 | 08/03/2022 | $0.200 | 3.85% | 3.85% | $20.80 |
| 04/20/2022 | 05/03/2022 | $0.200 | 3.81% | 3.85% | $20.80 |
| 01/20/2022 | 02/02/2022 | $0.200 | 4.02% | 4.02% | $19.90 |
| 10/21/2021 | 11/03/2021 | $0.170 | 3.64% | 3.63% | $18.75 |
| 07/22/2021 | 08/04/2021 | $0.170 | 3.58% | 3.58% | $19.00 |
| 04/22/2021 | 05/07/2021 | $0.170 | 4.01% | 4.01% | $16.94 |
| 01/21/2021 | 02/05/2021 | $0.170 | 4.39% | 4.46% | $15.25 |
| 10/22/2020 | 11/06/2020 | $0.160 | 4.78% | 4.98% | $12.85 |
| 07/16/2020 | 07/30/2020 | $0.150 | 4% | 4.19% | $14.31 |
| 04/16/2020 | 04/30/2020 | $0.150 | 4.14% | 4.29% | $14.00 |
| 01/23/2020 | 02/06/2020 | $0.150 | 3.69% | 3.02% | $19.85 |
| 10/17/2019 | 10/31/2019 | $0.150 | 3.77% | 3.77% | $15.91 |
| 07/18/2019 | 07/31/2019 | $0.150 | 3.75% | 3.9% | $15.37 |
| 04/17/2019 | 05/01/2019 | $0.150 | 4.15% | 4.11% | $14.59 |
| 01/17/2019 | 01/30/2019 | $0.150 | 4.29% | 4.29% | $14.00 |
| 10/18/2018 | 10/31/2018 | $0.120 | 3.62% | 3.62% | $13.25 |
| 07/19/2018 | 08/01/2018 | $0.120 | 3.79% | 3.72% | $12.90 |
| 04/19/2018 | 05/02/2018 | $0.120 | 3.77% | 3.69% | $13.00 |
| 01/18/2018 | 01/31/2018 | $0.120 | 3.76% | 3.74% | $12.85 |
| 10/19/2017 | 11/01/2017 | $0.100 | 3.4% | 3.43% | $11.66 |
| 07/19/2017 | 08/02/2017 | $0.100 | 3.64% | 3.7% | $10.80 |
| 04/19/2017 | 05/03/2017 | $0.100 | 3.81% | 3.71% | $10.78 |
| 01/18/2017 | 02/01/2017 | $0.100 | 3.84% | 3.84% | $10.41 |
| 10/19/2016 | 10/26/2016 | $0.080 | 3.17% | 3.17% | $10.11 |
| 07/20/2016 | 07/27/2016 | $0.080 | 3.17% | 3.17% | $10.11 |
| 04/20/2016 | 04/27/2016 | $0.080 | 3.09% | 3.09% | $10.35 |
| 01/20/2016 | 01/27/2016 | $0.080 | 2.81% | 2.81% | $11.40 |
| 10/21/2015 | 10/28/2015 | $0.080 | 2.99% | 2.99% | $10.70 |
| 07/16/2015 | 07/23/2015 | $0.080 | 3.66% | 3.66% | $8.75 |
| 04/23/2015 | 04/30/2015 | $0.080 | 3.87% | 3.87% | $8.26 |
| 01/22/2015 | 01/29/2015 | $0.100 | 4.79% | 4.79% | $8.35 |
| 10/16/2014 | 10/23/2014 | $0.060 | 3.64% | 3.64% | $6.60 |
| 07/17/2014 | 07/24/2014 | $0.060 | 3.48% | 3.48% | $6.90 |
| 04/16/2014 | 04/23/2014 | $0.060 | 3.5% | 3.5% | $6.85 |
| 10/13/2010 | 10/20/2010 | $0.080 | 4.74% | 4.74% | $6.75 |
| 07/14/2010 | 07/21/2010 | $0.100 | 5.24% | 5.24% | $7.63 |
| 04/14/2010 | 04/21/2010 | $0.120 | 5.65% | 5.65% | $8.50 |
| 01/13/2010 | 01/20/2010 | $0.150 | 8% | 8% | $7.50 |
| 10/14/2009 | 10/21/2009 | $0.120 | 5.88% | 5.88% | $8.17 |
| 07/15/2009 | 07/22/2009 | $0.120 | 5.82% | 5.82% | $8.25 |
| 04/15/2009 | 04/22/2009 | $0.120 | 10.11% | 10.11% | $4.75 |
| 12/15/2008 | 12/22/2008 | $0.040 | 2.04% | 2.04% | $7.85 |
| 09/12/2008 | 09/19/2008 | $0.120 | 5.25% | 5.25% | $9.14 |
| 06/12/2008 | 06/19/2008 | $0.120 | 3.71% | 3.71% | $12.95 |
| 03/13/2008 | 03/20/2008 | $0.120 | 4.36% | 4.36% | $11.00 |
| 11/28/2007 | 12/05/2007 | $0.120 | 3.76% | 3.76% | $12.75 |
| 09/13/2007 | 09/20/2007 | $0.120 | 3.11% | 3.11% | $15.45 |
| 06/14/2007 | 06/21/2007 | $0.120 | 2.52% | 2.52% | $19.05 |
| 03/15/2007 | 03/22/2007 | $0.120 | 2.46% | 2.46% | $19.50 |
| 11/29/2006 | 12/06/2006 | $0.210 | 4.65% | 4.65% | $18.05 |
| 08/30/2006 | 09/06/2006 | $0.120 | 2.78% | 2.78% | $17.25 |
| 05/25/2006 | 06/01/2006 | $0.120 | 2.67% | 2.67% | $18.00 |
| 03/16/2006 | 03/23/2006 | $0.120 | 2.4% | 2.4% | $20.00 |
| 11/17/2005 | 11/24/2005 | $0.233 | 5.54% | 5.54% | $16.83 |
| 09/13/2005 | 09/20/2005 | $0.100 | 2.5% | 2.5% | $16.00 |
| 06/16/2005 | 06/23/2005 | $0.100 | 2.4% | 2.4% | $16.67 |
| 06/13/2005 | 06/20/2005 | $0.100 | 2.4% | 2.4% | $16.67 |
| 03/15/2005 | 03/22/2005 | $0.100 | 2.42% | 2.42% | $16.50 |
| 11/26/2004 | 12/03/2004 | $0.217 | 5.53% | 5.53% | $15.67 |
| 09/15/2004 | 09/22/2004 | $0.100 | 2.7% | 2.7% | $14.83 |
| 06/14/2004 | 06/21/2004 | $0.100 | 2.87% | 2.87% | $13.92 |
| 03/15/2004 | 03/22/2004 | $0.100 | 2.76% | 2.76% | $14.50 |
| 11/18/2003 | 11/25/2003 | $0.200 | 5.89% | 5.89% | $13.58 |
| 09/11/2003 | 09/18/2003 | $0.100 | 2.96% | 2.96% | $13.50 |
| 06/12/2003 | 06/19/2003 | $0.100 | 3.21% | 3.21% | $12.47 |
| 03/13/2003 | 03/20/2003 | $0.100 | 3.43% | 3.43% | $11.67 |
| 11/21/2002 | 11/28/2002 | $0.217 | 7.59% | 7.59% | $11.42 |
| 09/12/2002 | 09/19/2002 | $0.083 | 3.12% | 3.12% | $10.68 |
| 06/12/2002 | 06/19/2002 | $0.083 | 3.05% | 3.05% | $10.92 |
| 02/20/2002 | 02/27/2002 | $0.083 | 3.29% | 3.29% | $10.13 |
| 11/21/2001 | 11/28/2001 | $0.183 | 7.47% | 7.47% | $9.82 |
| 09/13/2001 | 09/20/2001 | $0.083 | 3.42% | 3.72% | $8.95 |
| 06/13/2001 | 06/20/2001 | $0.083 | 3.69% | 3.69% | $9.04 |
| 03/05/2001 | 03/12/2001 | $0.083 | 3.93% | 3.93% | $8.49 |
| 11/22/2000 | 11/29/2000 | $0.067 | 2.78% | 2.78% | $9.58 |
| 09/14/2000 | 09/21/2000 | $0.067 | 2.54% | 2.54% | $10.50 |
| 06/22/2000 | 06/29/2000 | $0.067 | 3.2% | 3.2% | $8.33 |
| 03/16/2000 | 03/23/2000 | $0.067 | 2.28% | 2.28% | $11.67 |
Projected Future Returns & Dividends for CIWV
Based on past 10-year performance, here are CIWV growth metrics:
Share price CAGR of +17.17%
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 | $49.31 | $49.31 |
| Start Shares | 202.80 | 202.80 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 251.75 | 202.80 |
| Dividends Payment | $1.13 | $1.13 |
| Annual Dividends | $1,133 | $913 |
| Yield on cost | 11.33% | 9.13% |
| Share Price | $240.50 | $240.50 |
| Total Dividends | $5,419 | $4,736 |
| Final Value | $60,547 | $53,509 |
Estimated Future Value + Dividends - CIWV
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.
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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
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DCF Model — CIWV
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Pay up to today
—
vs current price $49.31
—
Cash flow & implied price by year
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.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
