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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 16.97
FWV's Cash to Debt is ranked higher than
85% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FWV: 16.97 )
FWV' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 16.97

Equity to Asset 0.09
FWV's Equity to Asset is ranked higher than
60% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FWV: 0.09 )
FWV' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.09

0.08
0.12
Interest Coverage 1.70
FWV's Interest Coverage is ranked higher than
74% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FWV: 1.70 )
FWV' s 10-Year Interest Coverage Range
Min: 0.46   Max: 1.7
Current: 1.7

0.46
1.7
F-Score: 3
Z-Score: 0.17
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 29.28
FWV's Operating margin (%) is ranked higher than
73% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. FWV: 29.28 )
FWV' s 10-Year Operating margin (%) Range
Min: 25.07   Max: 42.53
Current: 29.28

25.07
42.53
Net-margin (%) 24.40
FWV's Net-margin (%) is ranked higher than
80% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. FWV: 24.40 )
FWV' s 10-Year Net-margin (%) Range
Min: 20.89   Max: 28.74
Current: 24.4

20.89
28.74
ROE (%) 7.11
FWV's ROE (%) is ranked higher than
70% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. FWV: 7.11 )
FWV' s 10-Year ROE (%) Range
Min: 7.11   Max: 15.53
Current: 7.11

7.11
15.53
ROA (%) 0.83
FWV's ROA (%) is ranked higher than
75% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FWV: 0.83 )
FWV' s 10-Year ROA (%) Range
Min: 0.8   Max: 1.32
Current: 0.83

0.8
1.32
ROC (Joel Greenblatt) (%) 46.85
FWV's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. FWV: 46.85 )
FWV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 46.85   Max: 132.14
Current: 46.85

46.85
132.14
Revenue Growth (%) 0.10
FWV's Revenue Growth (%) is ranked higher than
70% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FWV: 0.10 )
FWV' s 10-Year Revenue Growth (%) Range
Min: -2.6   Max: 10.3
Current: 0.1

-2.6
10.3
EBITDA Growth (%) 5.50
FWV's EBITDA Growth (%) is ranked higher than
70% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FWV: 5.50 )
FWV' s 10-Year EBITDA Growth (%) Range
Min: -15.5   Max: 14
Current: 5.5

-15.5
14
EPS Growth (%) 3.40
FWV's EPS Growth (%) is ranked higher than
66% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. FWV: 3.40 )
FWV' s 10-Year EPS Growth (%) Range
Min: -8.3   Max: 16.1
Current: 3.4

-8.3
16.1
» FWV's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 15.20
FWV's P/E(ttm) is ranked higher than
61% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. FWV: 15.20 )
FWV' s 10-Year P/E(ttm) Range
Min: 6.22   Max: 16.38
Current: 15.2

6.22
16.38
P/B 1.00
FWV's P/B is ranked higher than
70% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FWV: 1.00 )
FWV' s 10-Year P/B Range
Min: 0.47   Max: 1.64
Current: 1

0.47
1.64
P/S 3.40
FWV's P/S is ranked lower than
57% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FWV: 3.40 )
FWV' s 10-Year P/S Range
Min: 1.4   Max: 3.76
Current: 3.4

1.4
3.76
PFCF 22.90
FWV's PFCF is ranked lower than
75% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FWV: 22.90 )
FWV' s 10-Year PFCF Range
Min: 3.27   Max: 163.91
Current: 22.9

3.27
163.91
EV-to-EBIT 15.40
FWV's EV-to-EBIT is ranked higher than
64% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. FWV: 15.40 )
FWV' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 12.7
Current: 15.4

0.2
12.7
PEG 4.80
FWV's PEG is ranked lower than
61% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FWV: 4.80 )
FWV' s 10-Year PEG Range
Min: 2.01   Max: 45.45
Current: 4.8

2.01
45.45
Shiller P/E 13.40
FWV's Shiller P/E is ranked higher than
80% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. FWV: 13.40 )
FWV' s 10-Year Shiller P/E Range
Min: 5.5   Max: 14.5
Current: 13.4

5.5
14.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.10
FWV's Dividend Yield is ranked higher than
79% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FWV: 4.10 )
FWV' s 10-Year Dividend Yield Range
Min: 2.93   Max: 8.74
Current: 4.1

2.93
8.74
Dividend Payout 0.58
FWV's Dividend Payout is ranked lower than
59% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. FWV: 0.58 )
FWV' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.86
Current: 0.58

0.1
0.86
Dividend growth (3y) 1.30
FWV's Dividend growth (3y) is ranked higher than
70% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FWV: 1.30 )
FWV' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 31.9
Current: 1.3

0
31.9
Yield on cost (5-Year) 4.48
FWV's Yield on cost (5-Year) is ranked higher than
73% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FWV: 4.48 )
FWV' s 10-Year Yield on cost (5-Year) Range
Min: 3.2   Max: 9.56
Current: 4.48

3.2
9.56

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FWV's Price/Tangible Book is ranked higher than
72% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FWV: 1.10 )
FWV' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 2.44
Current: 1.1

0.46
2.44
Price/DCF (Projected) 0.80
FWV's Price/DCF (Projected) is ranked higher than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FWV: 0.80 )
FWV' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 0.79
Current: 0.8

0.35
0.79
Price/Median PS Value 1.20
FWV's Price/Median PS Value is ranked lower than
51% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FWV: 1.20 )
FWV' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 2.11
Current: 1.2

0.56
2.11
Price/Graham Number 0.90
FWV's Price/Graham Number is ranked higher than
62% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FWV: 0.90 )
FWV' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 1.43
Current: 0.9

0.25
1.43
Earnings Yield (Greenblatt) 6.50
FWV's Earnings Yield (Greenblatt) is ranked higher than
70% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FWV: 6.50 )
FWV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.5   Max: 576
Current: 6.5

6.5
576
Forward Rate of Return (Yacktman) 5.07
FWV's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. FWV: 5.07 )
FWV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.4   Max: 17.4
Current: 5.07

-2.4
17.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First West Virginia Bancorp, Inc. was organized as a West Virginia business corporation on July 1, 1973 at the request of the Boards of Directors of the Bank of Warwood, N.A. and Community Savings Bank, N.A. for the purpose of becoming a bank holding company, under the Bank Holding Company Act of 1956, as amended. At December 31, 2012, the Company had one wholly-owned banking subsidiary, Progressive Bank, N.A. in Wheeling, West Virginia. Progressive Bank, N. A. is a community bank serving all of Ohio, Brooke, Marshall, Upshur, Lewis and Wetzel counties in the state of West Virginia, and a portion of the west bank of the Ohio River, located in the State of Ohio. Progressive Bank, N.A. operates three full-service offices in Ohio County, Wheeling, West Virginia, one full-service office in Brooke County, Wellsburg, West Virginia, one full-service office in Marshall County, Moundsville, West Virginia, one full-service office in Wetzel County, New Martinsville, West Virginia, one full-service office in Upshur County, Buckhannon, West Virginia, one full-service office in Lewis County, Weston, West Virginia, and one full-service office in Bellaire, Ohio. All phases of the banks' business are highly competitive. The Company and its subsidiary bank are subject to certain statutes and regulations.
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