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Citizens Financial WVCIWV 67 Pretax Margin % is 48.35% as of Jun. 2026, which is 41% above its 10-year median of 34.38. GuruFocus rates CIWV with a GF Score™ of 67/100 and a GF Value™ of $39.75 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Citizens Financial WV ranks better than 67.67% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Citizens Financial WV Pretax Margin % Related Terms
Citizens Financial WV Pretax Margin % Historical Data
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The historical data trend for Citizens Financial WV's Pretax 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.
CIWV vs KSBI, CZBC, SSBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Citizens Financial WV's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial WV's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Financial WV's Pretax 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 Pretax Margin % of 48.35% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens Financial WV and its competitors. This is 41% above median its historical median of 34.38. Over the past decade, Citizens Financial WV's Pretax Margin % has ranged from 9.37 to 42.45. According to the industry distribution chart, Citizens Financial WV ranks #493 out of 1525 companies in the Banks industry, placing it in the top 32.3%.
Is Citizens Financial WV's Pretax Margin % too high?
Citizens Financial WV's current Pretax Margin % of 48.35% is 41% above median its 10-year median of 34.38. Over the past 10 years, this metric has ranged from a low of 9.37 to a high of 42.45. The Banks industry median Pretax Margin % is 35.53. Citizens Financial WV's value of 48.35% is 36.1% above this industry median. Based on the distribution chart, Citizens Financial WV ranks #493 out of 1525 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 Pretax Margin % compare to KSBI and CZBC?
According to the Banks industry distribution chart, Citizens Financial WV ranks #493 out of 1525 companies for Pretax Margin %. This puts Citizens Financial WV in the upper half of its industry. The industry median Pretax Margin % is 35.53. Citizens Financial WV's value of 48.35% is 36.1% above this benchmark. Historically, Citizens Financial WV's own Pretax Margin % has ranged from 9.37 to 42.45 over the past decade. While the company's 10-year median is 34.38 vs. the industry median of 35.53, Citizens Financial WV has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.53, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial WV's current Pretax Margin % of 48.35% is 36.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens Financial WV and its competitors. For the Banks industry, the median Pretax Margin % is 35.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial WV's current Pretax Margin % is 48.35%, which is 41% above median its own 10-year median of 34.38. 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 $39.75, compared to a current price of $48.00 — trading 20.8% above its estimated fair value. The current Pretax Margin % is 48.35%, which is 41% above median its 10-year median of 34.38 and 36.1% above the Banks industry median of 35.53. Citizens Financial WV's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current Pretax Margin % is 48.35% as of Jun. 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 $48.00 is trading 20.8% above its estimated GF Value™ of $39.75.
GuruFocus considers Citizens Financial WV to be Modestly Overvalued.
Key valuation signals for CIWV:
Pretax Margin %: 48.35% (41% above median its 10-year median of 34.38)
GF Value™: $39.75 vs. price of $48.00 (20.8% above fair value)
Industry Position: 36.1% above the Banks median (#493 of 1525)
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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