CIWV (Citizens Financial WV) EV-to-FCF: (As of Jul. 01, 2026)


CIWV Citizens Financial Corp WV CIWV
67 GF Score
Price $44.98
GF Value $38.12
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Citizens Financial WV EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizens Financial WV's Enterprise Value is $97.65 Mil. Citizens Financial WV's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Citizens Financial WV's EV-to-FCF for today is .

The historical rank and industry rank for Citizens Financial WV's EV-to-FCF or its related term are showing as below:

CIWV' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 7.81
Current: 7.81

During the past 13 years, the highest EV-to-FCF of Citizens Financial WV was 7.81. The lowest was 0.00. And the median was 0.00.

CIWV's EV-to-FCF is ranked worse than
54.68% of 1196 companies
in the Banks industry
Industry Median: 6.545 vs CIWV: 7.81

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-01), Citizens Financial WV's stock price is $44.98. Citizens Financial WV's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $6.270. Therefore, Citizens Financial WV's PE Ratio (TTM) for today is 7.17.


Citizens Financial WV  (OTCPK:CIWV) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Citizens Financial WV's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=44.98/6.270
=7.17

Citizens Financial WV's share price for today is $44.98.
Citizens Financial WV's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.270.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Citizens Financial WV EV-to-FCF Related Terms


Citizens Financial WV EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Citizens Financial WV's EV-to-FCF 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 EV-to-FCF Chart

Citizens Financial WV Annual Data
Trend Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -7.70 2.82 8.36 4.79 2.44

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
EV-to-FCF 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 0.00 0.00 0.00 2.44 0.00

CIWV vs STLE, KLIB, ORPB: EV-to-FCF Comparison

For the Banks - Regional subindustry, Citizens Financial WV's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial WV's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Citizens Financial WV's EV-to-FCF falls into.


CIWV
67GF Score
Citizens Financial Corp WV CIWV
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial WV EV-to-FCF Calculation

Citizens Financial WV's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=97.647/0
=

Citizens Financial WV's current Enterprise Value is $97.65 Mil.
Citizens Financial WV's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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 $44.98 is trading 18% above its estimated GF Value™ of $38.12. GuruFocus considers Citizens Financial WV to be Modestly Overvalued.

Key valuation signals for CIWV:

  • EV-to-FCF:
  • GF Value™: $38.12 vs. price of $44.98 (18% above fair value)
  • GF Score™: 67/100 with 2 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.
67GF Score

Get the complete analysis for CIWV

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.98
Price
$38.12
GF Value