The historical rank and industry rank for Citizens Financial WV's OCF Margin % or its related term are showing as below:
CIWV'
s OCF Margin % Range Over the Past 10 Years
Min: 26.57 Med: 35.04 Max: 41.81
Current: 38.31
During the past 13 years, the highest OCF Margin % of Citizens Financial WV was 41.81%. The lowest was 26.57%. And the median was 35.04%.
CIWV's OCF Margin % is ranked better than 63.9% of 1504
companies
in the Banks industry
Industry Median: 29.405
vs CIWV: 38.31
Citizens Financial WV OCF Margin % Related Terms
Citizens Financial WV OCF Margin % Historical Data
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The historical data trend for Citizens Financial WV's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial WV's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Financial WV's OCF 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 OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Financial WV and its competitors. Over the past decade, Citizens Financial WV's OCF Margin % has ranged from 26.57 to 41.81. According to the industry distribution chart, Citizens Financial WV ranks #543 out of 1504 companies in the Banks industry, placing it in the top 36.1%.
Is Citizens Financial WV's OCF Margin % too high?
Citizens Financial WV's current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 26.57 to a high of 41.81. Based on the distribution chart, Citizens Financial WV ranks #543 out of 1504 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 OCF Margin % compare to STLE and KLIB?
According to the Banks industry distribution chart, Citizens Financial WV ranks #543 out of 1504 companies for OCF Margin %. This puts Citizens Financial WV in the upper half of its industry. The industry median OCF Margin % is 29.41. Historically, Citizens Financial WV's own OCF Margin % has ranged from 26.57 to 41.81 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.41, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Financial WV and its competitors. For the Banks industry, the median OCF Margin % is 29.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial WV's current OCF 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 OCF 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current OCF 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:
OCF 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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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