CIWV (Citizens Financial WV) Cyclically Adjusted Revenue per Share: $12.40 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CIWV Citizens Financial Corp WV CIWV
66 GF Score
Price $48.98
GF Value $38.48
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citizens Financial WV Cyclically Adjusted Revenue per Share?

Citizens Financial WV CIWV +1.04% 66 Cyclically Adjusted Revenue per Share is $12.40 as of Mar. 2026. GuruFocus rates CIWV with a GF Score™ of 66/100 and a GF Value™ of $38.48 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Citizens Financial WV's adjusted revenue per share for the three months ended in Mar. 2026 was $5.592. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $12.40 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Citizens Financial WV's average Cyclically Adjusted Revenue Growth Rate was 16.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 11.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Citizens Financial WV was 11.90% per year. The lowest was 11.90% per year. And the median was 11.90% per year.

As of today (2026-07-19), Citizens Financial WV's current stock price is $48.98. Citizens Financial WV's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $12.40. Citizens Financial WV's Cyclically Adjusted PS Ratio of today is 3.95.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Citizens Financial WV was 4.11. The lowest was 1.93. And the median was 2.47.


Citizens Financial WV  (OTCPK:CIWV) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Citizens Financial WV's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=48.98/12.40
=3.95

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Citizens Financial WV was 4.11. The lowest was 1.93. And the median was 2.47.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Citizens Financial WV Cyclically Adjusted Revenue per Share Related Terms


Citizens Financial WV Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Citizens Financial WV's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Financial WV Cyclically Adjusted Revenue per Share Chart

Citizens Financial WV Annual Data
Trend Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 8.39 9.27 10.31 11.77

Citizens Financial WV Quarterly Data
Sep09 Dec19 Dec20 Dec21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.67 11.01 11.34 11.77 12.40

CIWV vs STLE, KLIB, ORPB: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Citizens Financial WV's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Citizens Financial WV Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial WV's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Financial WV's Cyclically Adjusted PS Ratio falls into.


CIWV
66GF Score
Citizens Financial Corp WV CIWV
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Financial WV Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Citizens Financial WV's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=5.592/330.2130*330.2130
=5.592

Current CPI (Mar. 2026) = 330.2130.

Citizens Financial WV Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
200409 1.298 189.900 2.257
200412 1.331 190.300 2.310
200503 0.000 193.300 0.000
200506 0.000 194.500 0.000
200509 0.000 198.800 0.000
200512 0.000 196.800 0.000
200603 1.515 199.800 2.504
200606 1.467 202.900 2.387
200609 1.515 202.900 2.466
200612 1.527 201.800 2.499
200703 1.502 205.352 2.415
200706 1.540 208.352 2.441
200709 1.546 208.490 2.449
200712 1.436 210.036 2.258
200803 1.386 213.528 2.143
200806 1.384 218.815 2.089
200809 1.493 218.783 2.253
200812 1.589 210.228 2.496
200903 1.493 212.709 2.318
200906 1.477 215.693 2.261
200909 1.341 215.969 2.050
201912 0.000 256.974 0.000
202012 0.000 260.474 0.000
202112 0.000 278.802 0.000
202206 2.796 296.311 3.116
202209 2.946 296.808 3.278
202212 3.059 296.797 3.403
202303 2.935 301.836 3.211
202306 2.954 305.109 3.197
202309 3.076 307.789 3.300
202312 3.262 306.746 3.512
202403 3.289 312.332 3.477
202406 3.446 314.175 3.622
202409 3.719 315.301 3.895
202412 4.031 315.605 4.218
202503 4.023 319.799 4.154
202506 4.179 322.561 4.278
202509 4.370 324.800 4.443
202512 5.929 324.054 6.042
202603 5.592 330.213 5.592

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $12.40 mean?
Citizens Financial WV (CIWV) has a Cyclically Adjusted Revenue per Share of $12.40 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citizens Financial WV and its competitors.
Is Citizens Financial WV's Cyclically Adjusted Revenue per Share too high?
Citizens Financial WV's current Cyclically Adjusted Revenue per Share is $12.40. Overall, Citizens Financial WV has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial WV's Cyclically Adjusted Revenue per Share compare to STLE and KLIB?
Citizens Financial WV's Cyclically Adjusted Revenue per Share of $12.40 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citizens Financial WV and its competitors. Citizens Financial WV's current Cyclically Adjusted Revenue per Share is $12.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial WV stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial WV (CIWV) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.48, compared to a current price of $48.98 — trading 27.3% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $12.40. Citizens Financial WV's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current Cyclically Adjusted Revenue per Share is $12.40 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens Financial WV (CIWV) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial WV stock appears to be overvalued. The current stock price of $48.98 is trading 27.3% above its estimated GF Value™ of $38.48. GuruFocus considers Citizens Financial WV to be Modestly Overvalued.

Key valuation signals for CIWV:

  • Cyclically Adjusted Revenue per Share: $12.40
  • GF Value™: $38.48 vs. price of $48.98 (27.3% above fair value)
  • GF Score™: 66/100 with 6 warning signs

No single metric tells the full story. See the CIWV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Citizens Financial WV Business Description

Address 211 Third Street, P.O. Box 1519, Elkins, WV, USA, 26241
Citizens Financial Corp WV is a bank holding company. The company 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 checking, savings, loans, credit card services for Personal as well as Business accounts.
66GF Score

Get the complete analysis for CIWV

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.98
Price
$38.48
GF Value