CIWV (Citizens Financial WV) Moat Score: 2/10 (As of Jul. 02, 2026)


CIWV Citizens Financial Corp WV CIWV
67 GF Score
Price $44.98
GF Value $38.21
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Citizens Financial WV Moat Score?

Citizens Financial WV CIWV +2.95% 67 Moat Score is 2 as of Jul. 02, 2026. GuruFocus rates CIWV with a GF Score™ of 67/100 and a GF Value™ of $38.21 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,611 Banks companies, Citizens Financial WV ranks better than 59.84% on this metric.

Citizens Financial WV has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Citizens Financial WV has No Moat: Citizens Financial Corp WV operates in a competitive financial services market with limited differentiation. It lacks significant market share, customer switching costs, or proprietary advantages. The company does not possess strong brand strength or regulatory barriers that would provide a sustainable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Citizens Financial WV might have No Moat - Very weak/transient advantages.

Citizens Financial WV  (OTCPK:CIWV) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Citizens Financial WV Moat Score Related Terms

CIWV vs STLE, KLIB, ORPB: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Citizens Financial WV's Moat Score distribution charts can be found below:

* The bar in red indicates where Citizens Financial WV's Moat Score falls into.


CIWV
67GF Score
Citizens Financial Corp WV CIWV
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Citizens Financial WV (CIWV) has a Moat Score of 2 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Citizens Financial WV ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Citizens Financial WV's Moat Score too high?
Citizens Financial WV's current Moat Score is 2. Based on the distribution chart, Citizens Financial WV ranks #647 out of 1611 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 Moat Score compare to STLE and KLIB?
According to the Banks industry distribution chart, Citizens Financial WV ranks #647 out of 1611 companies for Moat Score. This puts Citizens Financial WV in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Citizens Financial WV's current Moat Score is 2. 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 $38.21, compared to a current price of $44.98 — trading 17.7% above its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current Moat Score is 2 as of Jul. 02, 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 17.7% above its estimated GF Value™ of $38.21. GuruFocus considers Citizens Financial WV to be Modestly Overvalued.

Key valuation signals for CIWV:

  • Moat Score: 2
  • GF Value™: $38.21 vs. price of $44.98 (17.7% 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

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

$44.98
Price
$38.21
GF Value