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CIWV (Citizens Financial WV) E10 : $2.09 (As of Dec. 2024)


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What is Citizens Financial WV E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Citizens Financial WV's adjusted earnings per share data for the three months ended in Dec. 2024 was $1.350. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.09 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Citizens Financial WV's average E10 Growth Rate was 16.10% 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 E10 growth rate using E10 data.

As of today (2025-03-15), Citizens Financial WV's current stock price is $27.50. Citizens Financial WV's E10 for the quarter that ended in Dec. 2024 was $2.09. Citizens Financial WV's Shiller PE Ratio of today is 13.16.

During the past 13 years, the highest Shiller PE Ratio of Citizens Financial WV was 15.31. The lowest was 10.00. And the median was 11.86.


Citizens Financial WV E10 Historical Data

The historical data trend for Citizens Financial WV's E10 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.

* Premium members only.

Citizens Financial WV E10 Chart

Citizens Financial WV Annual Data
Trend Dec05 Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 1.60 1.80 2.09

Citizens Financial WV Quarterly Data
Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09 Sep09 Dec19 Dec20 Dec21 Jun22 Sep22 Dec22 Jun23 Sep23 Dec23 Jun24 Sep24 Dec24
E10 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 1.77 1.80 1.90 1.99 2.09

Competitive Comparison of Citizens Financial WV's E10

For the Banks - Regional subindustry, Citizens Financial WV's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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's Shiller PE Ratio Distribution in the Banks Industry

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

* The bar in red indicates where Citizens Financial WV's Shiller PE Ratio falls into.



Citizens Financial WV E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=1.35/133.1571*133.1571
=1.350

Current CPI (Dec. 2024) = 133.1571.

Citizens Financial WV Quarterly Data

per share eps CPI Adj_EPS
200212 0.306 76.324 0.534
200303 0.263 77.716 0.451
200306 0.253 77.505 0.435
200309 0.280 78.138 0.477
200312 0.250 77.758 0.428
200403 0.283 79.066 0.477
200406 0.080 80.037 0.133
200409 0.233 80.121 0.387
200412 0.284 80.290 0.471
200503 0.200 81.555 0.327
200506 0.230 82.062 0.373
200509 0.330 83.876 0.524
200512 0.340 83.032 0.545
200603 0.310 84.298 0.490
200606 0.290 85.606 0.451
200609 0.300 85.606 0.467
200612 0.230 85.142 0.360
200703 0.250 86.640 0.384
200706 0.150 87.906 0.227
200709 0.230 87.964 0.348
200712 -0.060 88.616 -0.090
200803 0.250 90.090 0.370
200806 0.190 92.320 0.274
200809 0.280 92.307 0.404
200812 -0.230 88.697 -0.345
200903 0.280 89.744 0.415
200906 0.290 91.003 0.424
200909 0.230 91.120 0.336
201912 0.000 108.420 0.000
202012 0.000 109.897 0.000
202112 0.000 117.630 0.000
202206 1.090 125.017 1.161
202209 0.960 125.227 1.021
202212 0.930 125.222 0.989
202306 0.870 128.729 0.900
202309 0.900 129.860 0.923
202312 0.880 129.419 0.905
202406 0.900 132.554 0.904
202409 1.100 133.029 1.101
202412 1.350 133.157 1.350

Add all the adjusted EPS together and divide 10 will get our e10.


Citizens Financial WV  (OTCPK:CIWV) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Citizens Financial WV's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=27.50/2.09
=13.16

* 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 Shiller P/E Ratio of Citizens Financial WV was 15.31. The lowest was 10.00. And the median was 11.86.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Citizens Financial WV E10 Related Terms

Thank you for viewing the detailed overview of Citizens Financial WV's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Citizens Financial WV Business Description

Traded in Other Exchanges
N/A
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 loans 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 identifies the portfolio segment as commercial non-real estate, commercial real estate, residential real estate, consumer and tax-exempt customer.

Citizens Financial WV Headlines