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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 6.61
FWV's Cash to Debt is ranked higher than
84% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. FWV: 6.61 )
FWV' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 6.61

Equity to Asset 0.10
FWV's Equity to Asset is ranked higher than
71% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FWV: 0.10 )
FWV' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.1

0.08
0.12
Interest Coverage 1.35
FWV's Interest Coverage is ranked higher than
69% of the 1818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FWV: 1.35 )
FWV' s 10-Year Interest Coverage Range
Min: 0.46   Max: 1.7
Current: 1.35

0.46
1.7
F-Score: 5
Z-Score: 0.22
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 : 5/10

vs
industry
vs
history
Operating margin (%) 27.76
FWV's Operating margin (%) is ranked higher than
66% of the 2001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. FWV: 27.76 )
FWV' s 10-Year Operating margin (%) Range
Min: 22.06   Max: 42.53
Current: 27.76

22.06
42.53
Net-margin (%) 27.11
FWV's Net-margin (%) is ranked higher than
81% of the 2001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.30 vs. FWV: 27.11 )
FWV' s 10-Year Net-margin (%) Range
Min: 20.89   Max: 28.74
Current: 27.11

20.89
28.74
ROE (%) 8.62
FWV's ROE (%) is ranked higher than
71% of the 2011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.53 vs. FWV: 8.62 )
FWV' s 10-Year ROE (%) Range
Min: 6.74   Max: 15.82
Current: 8.62

6.74
15.82
ROA (%) 0.83
FWV's ROA (%) is ranked higher than
70% of the 2014 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FWV: 0.83 )
FWV' s 10-Year ROA (%) Range
Min: 0.69   Max: 1.39
Current: 0.83

0.69
1.39
ROC (Joel Greenblatt) (%) 38.68
FWV's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.14 vs. FWV: 38.68 )
FWV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 30.49   Max: 141.94
Current: 38.68

30.49
141.94
Revenue Growth (%) -4.70
FWV's Revenue Growth (%) is ranked higher than
62% of the 1721 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FWV: -4.70 )
FWV' s 10-Year Revenue Growth (%) Range
Min: -4.7   Max: 10.3
Current: -4.7

-4.7
10.3
EBITDA Growth (%) -7.60
FWV's EBITDA Growth (%) is ranked higher than
59% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FWV: -7.60 )
FWV' s 10-Year EBITDA Growth (%) Range
Min: -15.5   Max: 14
Current: -7.6

-15.5
14
EPS Growth (%) -1.50
FWV's EPS Growth (%) is ranked higher than
65% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FWV: -1.50 )
FWV' s 10-Year EPS Growth (%) Range
Min: -8.3   Max: 16.1
Current: -1.5

-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) 11.60
FWV's P/E(ttm) is ranked higher than
83% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.30 vs. FWV: 11.60 )
FWV' s 10-Year P/E(ttm) Range
Min: 6.22   Max: 16.27
Current: 11.6

6.22
16.27
P/B 0.97
FWV's P/B is ranked higher than
84% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FWV: 0.97 )
FWV' s 10-Year P/B Range
Min: 0.47   Max: 1.64
Current: 0.97

0.47
1.64
P/S 3.15
FWV's P/S is ranked higher than
75% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. FWV: 3.15 )
FWV' s 10-Year P/S Range
Min: 1.4   Max: 4.08
Current: 3.15

1.4
4.08
EV-to-EBIT 4.68
FWV's EV-to-EBIT is ranked higher than
94% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.68 vs. FWV: 4.68 )
FWV' s 10-Year EV-to-EBIT Range
Min: -12.4   Max: 12.7
Current: 4.68

-12.4
12.7
Shiller P/E 13.12
FWV's Shiller P/E is ranked higher than
93% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FWV: 13.12 )
FWV' s 10-Year Shiller P/E Range
Min: 5.5   Max: 16.07
Current: 13.12

5.5
16.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.16
FWV's Dividend Yield is ranked higher than
83% of the 1869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. FWV: 4.16 )
FWV' s 10-Year Dividend Yield Range
Min: 2.93   Max: 8.74
Current: 4.16

2.93
8.74
Dividend Payout 0.48
FWV's Dividend Payout is ranked higher than
64% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. FWV: 0.48 )
FWV' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.86
Current: 0.48

0.1
0.86
Dividend growth (3y) 13.00
FWV's Dividend growth (3y) is ranked higher than
86% of the 1121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FWV: 13.00 )
FWV' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 31.9
Current: 13

0
31.9
Yield on cost (5-Year) 5.36
FWV's Yield on cost (5-Year) is ranked higher than
83% of the 1882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. FWV: 5.36 )
FWV' s 10-Year Yield on cost (5-Year) Range
Min: 3.74   Max: 11.15
Current: 5.36

3.74
11.15

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
FWV's Price/Tangible Book is ranked higher than
85% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FWV: 1.01 )
FWV' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 2.44
Current: 1.01

0.46
2.44
Price/DCF (Projected) 0.87
FWV's Price/DCF (Projected) is ranked higher than
81% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.43 vs. FWV: 0.87 )
FWV' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.03
Current: 0.87

0.38
1.03
Price/Median PS Value 1.16
FWV's Price/Median PS Value is ranked higher than
74% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. FWV: 1.16 )
FWV' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 2.1
Current: 1.16

0.56
2.1
Price/Graham Number 0.73
FWV's Price/Graham Number is ranked higher than
86% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FWV: 0.73 )
FWV' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 1.43
Current: 0.73

0.25
1.43
Earnings Yield (Greenblatt) 21.40
FWV's Earnings Yield (Greenblatt) is ranked higher than
93% of the 1962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FWV: 21.40 )
FWV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.9   Max: 784.1
Current: 21.4

7.9
784.1
Forward Rate of Return (Yacktman) 2.41
FWV's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.81 vs. FWV: 2.41 )
FWV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.9   Max: 12.9
Current: 2.41

-3.9
12.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First West Virginia Bancorp was organized as a West Virginia business corporation on July 1, 1973. The Company through its subsidiary bank is engaged in the business of banking and provides a range of consumer and commercial banking products and services to individuals, businesses, professionals and governments. Its loan portfolio consists primarily of loans secured by real estate to consumers and businesses. It also offers commercial loans and general consumer loans to individuals. The Company offers both personal and commercial types of deposit accounts and services as a means of gathering funds. Types of deposit accounts and services available include non-interest bearing demand checking, interest bearing checking (NOW accounts), savings, money market, certificates of deposit, individual retirement accounts, and Christmas Club accounts. The subsidiary bank encounters competition from commercial banks and other financial institutions. The Company is subject to regulation by the Board of Governors of the Federal Reserve System ('FRB'), the West Virginia Division of Financial Institutions, the Securities and Exchange Commission, and other federal and state regulators.
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