Citizens Financial WV has the GF Score of 67, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Citizens Financial WV
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Citizens Financial WV GF Score Related Terms
CIWV vs STLE, KLIB, ORPB: GF Score Comparison
For the Banks - Regional subindustry, Citizens Financial WV's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial WV's GF Score distribution charts can be found below:
* The bar in red indicates where Citizens Financial WV's GF Score falls into.
Citizens Financial WV (CIWV) has a GF Score of 67 as of Jul. 04, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Citizens Financial WV and its competitors. This is near median its historical median of 67.00. Over the past decade, Citizens Financial WV's GF Score has ranged from 55.00 to 74.00.
Is Citizens Financial WV's GF Score too high?
Citizens Financial WV's current GF Score of 67 is near median its 10-year median of 67.00. Over the past 10 years, this metric has ranged from a low of 55.00 to a high of 74.00. 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 GF Score compare to STLE and KLIB?
Citizens Financial WV's GF Score of 67 can be compared against companies in the Banks industry. Historically, Citizens Financial WV's own GF Score has ranged from 55.00 to 74.00 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 GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Citizens Financial WV and its competitors. Citizens Financial WV's current GF Score is 67, which is near median its own 10-year median of 67.00. 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 $38.24, compared to a current price of $44.98 — trading 17.6% above its estimated fair value. The current GF Score is 67, which is near median its 10-year median of 67.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current GF Score is 67 as of Jul. 04, 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 17.6% above its estimated GF Value™ of $38.24.
GuruFocus considers Citizens Financial WV to be Modestly Overvalued.
Key valuation signals for CIWV:
GF Score: 67 (near median its 10-year median of 67.00)
GF Value™: $38.24 vs. price of $44.98 (17.6% 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
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