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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Citizens Financial WV's Debt-to-Equity or its related term are showing as below:
CIWV'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.2 Med: 0.38 Max: 0.51
Current: 0.25
During the past 13 years, the highest Debt-to-Equity Ratio of Citizens Financial WV was 0.51. The lowest was 0.20. And the median was 0.38.
CIWV's Debt-to-Equity is ranked better than 73% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs CIWV: 0.25
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Citizens Financial WV Debt-to-Equity Related Terms
Citizens Financial WV Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Citizens Financial WV's Debt-to-Equity 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.
CIWV vs KSBI, CZBC, SSBI: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Citizens Financial WV's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial WV's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Citizens Financial WV's Debt-to-Equity falls into.
* 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 (CIWV) has a Debt-to-Equity of 0.00 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citizens Financial WV and its competitors. Over the past decade, Citizens Financial WV's Debt-to-Equity has ranged from 0.20 to 0.51. According to the industry distribution chart, Citizens Financial WV ranks #384 out of 1422 companies in the Banks industry, placing it in the top 27%.
Is Citizens Financial WV's Debt-to-Equity too high?
Citizens Financial WV's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.51. Based on the distribution chart, Citizens Financial WV ranks #384 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Financial WV has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial WV's Debt-to-Equity compare to KSBI and CZBC?
According to the Banks industry distribution chart, Citizens Financial WV ranks #384 out of 1422 companies for Debt-to-Equity. This puts Citizens Financial WV in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Historically, Citizens Financial WV's own Debt-to-Equity has ranged from 0.20 to 0.51 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citizens Financial WV and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial WV's current Debt-to-Equity is 0.00. 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 $39.68, compared to a current price of $47.71 — trading 20.2% above its estimated fair value. The current Debt-to-Equity is 0.00. Citizens Financial WV's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current Debt-to-Equity is 0.00 as of Jun. 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 $47.71 is trading 20.2% above its estimated GF Value™ of $39.68.
GuruFocus considers Citizens Financial WV to be Modestly Overvalued.
Key valuation signals for CIWV:
Debt-to-Equity: 0.00
GF Value™: $39.68 vs. price of $47.71 (20.2% above fair value)
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 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.
70GF Score
Get the complete analysis for CIWV
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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