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About the company
Citizens Financial Corp. is a bank holding company for Citizens Bank of West Virginia, Inc. (the bank). The Bank provides retail, secondary market, and commercial loan services, as well as deposit, trust and brokerage services to customers in Randolph, Tucker, Upshur, Pocahontas and Wetzel Counties of West Virginia and nearby areas. The Bank provides integrated financial services including retail and commercial banking, wealth management, and mortgage services. The Bank’s offering includes personal checking; savings, certificates of deposit (CDs) and individual retirement accounts (IRAs); loans; MOCA debit cards; credit cards; insured cash sweep (ICS) and certificate of deposit account registry service (CDARS); digital banking; remote deposit; credit card processing; and other services. The Bank’s digital banking includes mobile applications, digital wallet, online banking, business digital banking and telephone banking.
- Revenue in USD (TTM)13.57m
- Net income in USD1.07m
- Incorporated1986
- Employees84.00
- LocationCitizens Financial Corp (Delaware)211 Third StreetELKINS 26241United StatesUSA
- Phone+1 (304) 636-4095
- Fax+1 (302) 636-5454
- Websitehttps://www.citizenswv.com/about-citizens/investor-relations
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FFW Corp | -100.00bn | -100.00bn | 51.98m | 53.00 | -- | 0.9441 | -- | -- | -- | -- | -- | 50.84 | -- | -- | -- | -- | -- | 1.04 | -- | -- | -- | -- | -- | 27.02 | -- | -- | -- | 31.89 | 9.17 | 9.26 | 35.51 | 2.03 | -32.36 | 5.46 |
| Northeast Indiana Bancorp Inc | 30.95m | 6.27m | 53.45m | 51.00 | 8.32 | 0.9486 | -- | 2.56 | 2.64 | 2.64 | 8.79 | 23.19 | -- | -- | -- | -- | 1.16 | 1.22 | -- | -- | -- | -- | 30.07 | 30.22 | -- | -- | -- | 27.20 | 9.61 | 14.91 | 45.54 | 2.28 | -- | 6.02 |
| Chino Commercial Bancorp (CA) | 21.85m | 5.85m | 56.18m | 29.00 | 9.61 | 1.15 | -- | 2.97 | 1.82 | 1.82 | 5.90 | 15.18 | -- | -- | -- | -- | 1.22 | 1.13 | -- | -- | -- | -- | 30.86 | 30.38 | -- | -- | -- | -- | -0.8393 | 16.28 | 13.74 | 17.37 | -- | -- |
| OptimumBank Holdings Inc | 64.35m | 16.65m | 56.52m | 73.00 | 4.88 | 0.4636 | 4.66 | 1.14 | 1.00 | 1.00 | 2.78 | 10.57 | -- | -- | -- | -- | 1.63 | 1.39 | -- | -- | -- | -- | 33.73 | 31.80 | -- | -- | -- | -- | 7.92 | 57.17 | 26.85 | -- | -- | -- |
| Home Federal Bancorp Inc of Louisiana | 31.14m | 5.20m | 56.95m | 67.00 | 10.91 | 0.9862 | 12.30 | 2.50 | 1.70 | 1.70 | 7.42 | 18.76 | -- | -- | -- | -- | 0.8464 | 0.776 | -- | -- | -- | -- | 22.83 | 21.67 | -- | -- | -- | 30.79 | -4.40 | 8.42 | 8.21 | 0.1966 | -45.65 | 10.20 |
| Highlands Bankshares Inc (West Virginia) | 29.80m | 4.85m | 57.44m | 4.00 | 11.99 | 0.9496 | -- | 2.32 | 3.63 | 3.63 | 18.54 | 45.84 | -- | -- | -- | -- | 0.8607 | 0.8219 | -- | -- | -- | -- | 19.58 | 19.30 | -- | -- | -- | 54.58 | 20.39 | 7.76 | 36.44 | 6.60 | 6.22 | -1.37 |
| Mission Valley Bancorp | 46.27m | 6.03m | 58.55m | -- | 9.74 | 0.9078 | -- | 1.47 | 1.80 | 1.80 | 11.85 | 19.28 | -- | -- | -- | -- | 0.8724 | 0.9222 | -- | -- | -- | -- | 15.16 | 17.57 | -- | -- | -- | 5.80 | 29.44 | 22.19 | -15.28 | 11.58 | 47.38 | -- |
| Citizens Financial Corp (Delaware) | 13.57m | 1.07m | 59.36m | 84.00 | 59.90 | 2.86 | 44.73 | 5.35 | 0.5843 | 0.5843 | 6.06 | 12.22 | -- | -- | -- | -- | 0.4133 | 0.6519 | -- | -- | -- | -- | 9.63 | 14.60 | -- | -- | -- | 59.73 | -4.95 | 5.86 | -11.64 | -14.59 | -24.54 | -4.36 |
| Neffs Bancorp Inc | 13.12m | 3.71m | 61.13m | 29.00 | 18.39 | 1.39 | 15.57 | 6.78 | 21.75 | 21.75 | 52.01 | 288.43 | -- | -- | -- | -- | 1.32 | 1.37 | -- | -- | -- | -- | 41.30 | 41.34 | -- | -- | -- | 26.56 | 1.74 | -1.26 | 8.40 | 4.57 | 1.48 | 7.28 |
| 1895 Bancorp of Wisconsin Inc | 24.01m | -3.26m | 61.46m | 79.00 | -- | 0.90 | -- | 4.65 | -0.5933 | -0.5933 | 2.42 | 12.27 | -- | -- | -- | -- | -0.5831 | -0.1252 | -- | -- | -- | -- | -24.67 | -4.04 | -- | -- | -- | -- | 26.87 | 4.48 | -3,205.41 | -- | -7.31 | -- |
| First Seacoast Bancorp Inc | 26.58m | -2.17m | 61.95m | 75.00 | -- | 0.9811 | -- | 4.20 | -0.5372 | -0.5372 | 3.43 | 13.44 | -- | -- | -- | -- | -0.3576 | -0.3171 | -- | -- | -- | -- | -14.68 | -11.11 | -- | -- | -- | -- | 23.51 | 10.48 | 95.19 | -- | 5.02 | -- |
| Pathfinder Bancorp Inc (MARYLAND) | -100.00bn | -100.00bn | 61.99m | 172.00 | -- | 0.6596 | -- | -- | -- | -- | -- | 19.56 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| FFBW Inc | 14.99m | 2.20m | 63.30m | 53.00 | 28.02 | 0.9047 | -- | 5.20 | 0.5303 | 0.5303 | 2.89 | 16.43 | -- | -- | -- | -- | 0.7647 | 0.6181 | -- | -- | -- | -- | 18.11 | 17.14 | -- | -- | -- | -- | 3.30 | 7.39 | 58.58 | 8.99 | 7.53 | -- |
| Catalyst Bancorp Inc | 13.90m | 2.05m | 63.36m | 49.00 | 27.63 | 0.7753 | 33.16 | 5.58 | 0.5629 | 0.5629 | 3.12 | 20.06 | -- | -- | -- | -- | 0.7334 | 0.1173 | -- | -- | -- | -- | 18.06 | 3.57 | -- | -- | -- | -- | 0.2453 | 10.36 | 166.43 | -- | -- | -- |
| Harford Bank | 34.24m | 6.96m | 63.59m | 86.00 | 9.07 | 0.9702 | 8.56 | 2.56 | 4.66 | 4.66 | 16.62 | 43.55 | -- | -- | -- | -- | 1.01 | -- | -- | -- | -- | -- | 28.04 | -- | -- | -- | -- | -- | 26.08 | -- | 7.83 | -- | -- | -- |
