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Citizens Financial WVCIWV 67 Equity-to-Asset is 0.09 as of Jun. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates CIWV with a GF Score™ of 67/100 and a GF Value™ of $41.06 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,518 Banks companies, Citizens Financial WV ranks worse than 55.67% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Citizens Financial WV Equity-to-Asset Related Terms
Citizens Financial WV Equity-to-Asset Historical Data
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The historical data trend for Citizens Financial WV's Equity-to-Asset 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 SLRK, KSBI, IBTN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Citizens Financial WV's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial WV's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Citizens Financial WV's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Citizens Financial WV's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.09 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citizens Financial WV and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, Citizens Financial WV's Equity-to-Asset has ranged from 0.06 to 0.10. According to the industry distribution chart, Citizens Financial WV ranks #845 out of 1518 companies in the Banks industry, placing it in the top 55.7%.
Is Citizens Financial WV's Equity-to-Asset too high?
Citizens Financial WV's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Citizens Financial WV's value of 0.09 is 10% below this industry median. Based on the distribution chart, Citizens Financial WV ranks #845 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Financial WV has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial WV's Equity-to-Asset compare to SLRK and KSBI?
According to the Banks industry distribution chart, Citizens Financial WV ranks #845 out of 1518 companies for Equity-to-Asset. This places Citizens Financial WV in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Citizens Financial WV's value of 0.09 is 10% below this benchmark. Historically, Citizens Financial WV's own Equity-to-Asset has ranged from 0.06 to 0.10 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Citizens Financial WV has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial WV's current Equity-to-Asset of 0.09 is 10% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citizens Financial WV and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial WV's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. 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 $41.06, compared to a current price of $48.39 — trading 17.9% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. Citizens Financial WV's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current Equity-to-Asset is 0.09 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 $48.39 is trading 17.9% above its estimated GF Value™ of $41.06.
GuruFocus considers Citizens Financial WV to be Modestly Overvalued.
Key valuation signals for CIWV:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $41.06 vs. price of $48.39 (17.9% above fair value)
Industry Position: 10% below the Banks median (#845 of 1518)
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.
67GF Score
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