The historical rank and industry rank for Citizens Financial WV's FCF Margin % or its related term are showing as below:
CIWV'
s FCF Margin % Range Over the Past 10 Years
Min: 22.56 Med: 29.87 Max: 40.4
Current: 37.02
During the past 13 years, the highest FCF Margin % of Citizens Financial WV was 40.40%. The lowest was 22.56%. And the median was 29.87%.
CIWV's FCF Margin % is ranked better than 66.31% of 1508
companies
in the Banks industry
Industry Median: 26.355
vs CIWV: 37.02
Citizens Financial WV FCF Margin % Related Terms
Citizens Financial WV FCF Margin % Historical Data
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The historical data trend for Citizens Financial WV's FCF Margin % 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.
For the Banks - Regional subindustry, Citizens Financial WV's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial WV's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Financial WV's FCF Margin % 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens Financial WV and its competitors. Over the past decade, Citizens Financial WV's FCF Margin % has ranged from 22.56 to 40.40. According to the industry distribution chart, Citizens Financial WV ranks #508 out of 1508 companies in the Banks industry, placing it in the top 33.7%.
Is Citizens Financial WV's FCF Margin % too high?
Citizens Financial WV's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 22.56 to a high of 40.40. Based on the distribution chart, Citizens Financial WV ranks #508 out of 1508 companies in the Banks industry, which is above 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 FCF Margin % compare to STLE and KLIB?
According to the Banks industry distribution chart, Citizens Financial WV ranks #508 out of 1508 companies for FCF Margin %. This puts Citizens Financial WV in the upper half of its industry. The industry median FCF Margin % is 26.36. Historically, Citizens Financial WV's own FCF Margin % has ranged from 22.56 to 40.40 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,508 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens Financial WV and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial WV's current FCF Margin % 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 $38.12, compared to a current price of $44.98 — trading 18% above its estimated fair value. The current FCF Margin % is 0.00%. Citizens Financial WV's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current FCF Margin % is 0.00% 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 $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:
FCF Margin %: 0.00%
GF Value™: $38.12 vs. price of $44.98 (18% 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.
67GF Score
Get the complete analysis for CIWV
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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