CIWV (Citizens Financial WV) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)

What is Citizens Financial WV LT-Debt-to-Total-Asset?

Citizens Financial WV CIWV +2.95% 67 LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus rates CIWV with a GF Score™ of 67/100 and a GF Value™ of $38.24 (Modestly Overvalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Citizens Financial WV's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

Citizens Financial WV's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.00) to Mar. 2026 (0.00).

Citizens Financial WV (OTCPK:CIWV) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Citizens Financial WV LT-Debt-to-Total-Asset Related Terms

Citizens Financial WV LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Citizens Financial WV's LT-Debt-to-Total-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.

Citizens Financial WV LT-Debt-to-Total-Asset Chart

Citizens Financial WV Annual Data

Trend

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Dec19

Dec20

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Dec25

LT-Debt-to-Total-Asset

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0.03

0.02

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.02	0.00

67GF Score

Citizens Financial Corp WV CIWV

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Citizens Financial WV LT-Debt-to-Total-Asset Calculation

Citizens Financial WV's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	16.915	/	704.628
	=	0.02

Citizens Financial WV's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	0	/	775.093
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

Citizens Financial WV (CIWV) has a LT-Debt-to-Total-Asset of 0.00 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Citizens Financial WV and its competitors.

Is Citizens Financial WV's LT-Debt-to-Total-Asset too high?

Citizens Financial WV's current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset compare to STLE and KLIB?

Citizens Financial WV's LT-Debt-to-Total-Asset of 0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Citizens Financial WV and its competitors. Citizens Financial WV's current LT-Debt-to-Total-Asset 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 $38.24, compared to a current price of $44.98 — trading 17.6% above its estimated fair value. The current LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current LT-Debt-to-Total-Asset 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 17.6% above its estimated GF Value™ of $38.24. GuruFocus considers Citizens Financial WV to be Modestly Overvalued.

Key valuation signals for CIWV:

LT-Debt-to-Total-Asset: 0.00
GF Value™: $38.24 vs. price of $44.98 (17.6% 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

Industry Financial Services Banks

Comparable Companies STLE KLIB ORPB FSMK FSEA CZBC REDW PBKX UWHR CPBI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 211 Third Street, P.O. Box 1519, Elkins, WV, USA, 26241

Website https://www.citizenswv.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.98

Price

$38.24

GF Value

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