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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 6.41
FWV's Cash to Debt is ranked higher than
85% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. FWV: 6.41 )
FWV' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 6.41

Equity to Asset 0.10
FWV's Equity to Asset is ranked higher than
75% of the 1732 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 1595 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: 0.21
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 (%) 23.35
FWV's Operating margin (%) is ranked higher than
67% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. FWV: 23.35 )
FWV' s 10-Year Operating margin (%) Range
Min: 22.06   Max: 42.53
Current: 23.35

22.06
42.53
Net-margin (%) 25.07
FWV's Net-margin (%) is ranked higher than
81% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. FWV: 25.07 )
FWV' s 10-Year Net-margin (%) Range
Min: 20.89   Max: 28.74
Current: 25.07

20.89
28.74
ROE (%) 7.56
FWV's ROE (%) is ranked higher than
73% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FWV: 7.56 )
FWV' s 10-Year ROE (%) Range
Min: 6.74   Max: 15.82
Current: 7.56

6.74
15.82
ROA (%) 0.73
FWV's ROA (%) is ranked higher than
73% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FWV: 0.73 )
FWV' s 10-Year ROA (%) Range
Min: 0.69   Max: 1.39
Current: 0.73

0.69
1.39
ROC (Joel Greenblatt) (%) 31.61
FWV's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. FWV: 31.61 )
FWV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 30.49   Max: 141.94
Current: 31.61

30.49
141.94
Revenue Growth (%) -4.70
FWV's Revenue Growth (%) is ranked higher than
62% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 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 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 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
64% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 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) 15.30
FWV's P/E(ttm) is ranked higher than
70% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. FWV: 15.30 )
FWV' s 10-Year P/E(ttm) Range
Min: 6.22   Max: 16.27
Current: 15.3

6.22
16.27
P/B 1.09
FWV's P/B is ranked higher than
72% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FWV: 1.09 )
FWV' s 10-Year P/B Range
Min: 0.47   Max: 1.64
Current: 1.09

0.47
1.64
P/S 3.83
FWV's P/S is ranked higher than
62% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FWV: 3.83 )
FWV' s 10-Year P/S Range
Min: 1.4   Max: 4.08
Current: 3.83

1.4
4.08
EV-to-EBIT 7.42
FWV's EV-to-EBIT is ranked higher than
93% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. FWV: 7.42 )
FWV' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 12.7
Current: 7.42

0.1
12.7
Shiller P/E 15.08
FWV's Shiller P/E is ranked higher than
81% of the 1093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.35 vs. FWV: 15.08 )
FWV' s 10-Year Shiller P/E Range
Min: 5.5   Max: 16.07
Current: 15.08

5.5
16.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.84
FWV's Dividend Yield is ranked higher than
77% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. FWV: 3.84 )
FWV' s 10-Year Dividend Yield Range
Min: 2.93   Max: 8.74
Current: 3.84

2.93
8.74
Dividend Payout 0.55
FWV's Dividend Payout is ranked higher than
61% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. FWV: 0.55 )
FWV' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.86
Current: 0.55

0.1
0.86
Dividend growth (3y) 13.00
FWV's Dividend growth (3y) is ranked higher than
85% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 4.72
FWV's Yield on cost (5-Year) is ranked higher than
76% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FWV: 4.72 )
FWV' s 10-Year Yield on cost (5-Year) Range
Min: 3.74   Max: 11.15
Current: 4.72

3.74
11.15

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
FWV's Price/Tangible Book is ranked higher than
79% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. FWV: 1.15 )
FWV' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 2.44
Current: 1.15

0.46
2.44
Price/DCF (Projected) 0.95
FWV's Price/DCF (Projected) is ranked higher than
57% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FWV: 0.95 )
FWV' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 0.9
Current: 0.95

0.35
0.9
Price/Median PS Value 1.40
FWV's Price/Median PS Value is ranked higher than
62% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FWV: 1.40 )
FWV' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 2.1
Current: 1.4

0.56
2.1
Price/Graham Number 0.88
FWV's Price/Graham Number is ranked higher than
74% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FWV: 0.88 )
FWV' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 1.43
Current: 0.88

0.25
1.43
Earnings Yield (Greenblatt) 13.50
FWV's Earnings Yield (Greenblatt) is ranked higher than
91% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FWV: 13.50 )
FWV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.9   Max: 784.1
Current: 13.5

7.9
784.1
Forward Rate of Return (Yacktman) 1.99
FWV's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. FWV: 1.99 )
FWV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.4   Max: 17.4
Current: 1.99

-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.
» More Articles for FWV

Headlines

Articles On GuruFocus.com

More From Other Websites
FIRST WEST VIRGINIA BANCORP INC Financials Aug 22 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 14 2014
First West Virginia Bancorp, Inc. Announces Cash Dividend Aug 12 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 31 2014
First West Virginia Bancorp, Inc. Announces Second Quarter 2014 Earnings Jul 29 2014
First West Virginia: 4.4% Yield, Priced Below Book, Takeout Potential -This Regional Deserves... Jun 17 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security... May 16 2014
First West Virginia Bancorp, Inc. Announces Cash Dividend May 14 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 10-Q, Quarterly Report May 13 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... May 01 2014
First West Virginia Bancorp, Inc. Announces First Quarter 2014 Earnings Apr 30 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 10-K, Annual Report Mar 28 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Mar 17 2014
FIRST WEST VIRGINIA BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Mar 12 2014
First West Virginia Bancorp, Inc. Announces Year End And Fourth Quarter 2013 Earnings Mar 10 2014
First West Virginia Bancorp, Inc. Announces Year End And Fourth Quarter 2013 Earnings Mar 10 2014
First West Virginia Bancorp, Inc. Announces Increase In Cash Dividend Feb 12 2014
First West Virginia Bancorp, Inc. Announces Increase In Cash Dividend Feb 12 2014
First West Virginia Bancorp, Inc. Announces Appointment of William G. Petroplus as Interim President... Dec 23 2013
FIRST WEST VIRGINIA BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers,... Dec 23 2013

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