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CIWV (Citizens Financial WV) PB Ratio : 0.96 (As of Mar. 25, 2025)


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What is Citizens Financial WV PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2025-03-25), Citizens Financial WV's share price is $27.55. Citizens Financial WV's Book Value per Share for the quarter that ended in Dec. 2024 was $28.79. Hence, Citizens Financial WV's PB Ratio of today is 0.96.

The historical rank and industry rank for Citizens Financial WV's PB Ratio or its related term are showing as below:

CIWV' s PB Ratio Range Over the Past 10 Years
Min: 0.73   Med: 0.87   Max: 1.2
Current: 0.96

During the past 13 years, Citizens Financial WV's highest PB Ratio was 1.20. The lowest was 0.73. And the median was 0.87.

CIWV's PB Ratio is ranked worse than
51.77% of 1528 companies
in the Banks industry
Industry Median: 0.93 vs CIWV: 0.96

During the past 12 months, Citizens Financial WV's average Book Value Per Share Growth Rate was 23.70% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 13.50% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 11.40% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 11.50% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Citizens Financial WV was 21.70% per year. The lowest was -0.20% per year. And the median was 6.70% per year.

Back to Basics: PB Ratio


Citizens Financial WV PB Ratio Historical Data

The historical data trend for Citizens Financial WV's PB Ratio 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.

* Premium members only.

Citizens Financial WV PB Ratio Chart

Citizens Financial WV Annual Data
Trend Dec05 Dec06 Dec07 Dec08 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.80 0.94 0.88 0.86 0.84

Citizens Financial WV Quarterly Data
Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09 Sep09 Dec19 Dec20 Dec21 Jun22 Sep22 Dec22 Jun23 Sep23 Dec23 Jun24 Sep24 Dec24
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.97 0.86 0.73 0.74 0.84

Competitive Comparison of Citizens Financial WV's PB Ratio

For the Banks - Regional subindustry, Citizens Financial WV's PB Ratio, along with its competitors' market caps and PB Ratio 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's PB Ratio Distribution in the Banks Industry

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

* The bar in red indicates where Citizens Financial WV's PB Ratio falls into.



Citizens Financial WV PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Citizens Financial WV's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2024)
=27.55/28.787
=0.96

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Citizens Financial WV  (OTCPK:CIWV) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Citizens Financial WV PB Ratio Related Terms

Thank you for viewing the detailed overview of Citizens Financial WV's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Citizens Financial WV Business Description

Traded in Other Exchanges
N/A
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 loans 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 identifies the portfolio segment as commercial non-real estate, commercial real estate, residential real estate, consumer and tax-exempt customer.

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