CIWV (Citizens Financial WV) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CIWV Citizens Financial Corp WV CIWV
66 GF Score
Price $48.98
GF Value $38.48
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens Financial WV ROC (Joel Greenblatt) %?

Citizens Financial WV CIWV +1.04% 66 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates CIWV with a GF Score™ of 66/100 and a GF Value™ of $38.48 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 46 Banks companies, Citizens Financial WV ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CIWV
66GF Score
Citizens Financial Corp WV CIWV
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Citizens Financial WV (CIWV) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Financial WV and its competitors. According to the industry distribution chart, Citizens Financial WV ranks #999999 out of 46 companies in the Banks industry.
Is Citizens Financial WV's ROC (Joel Greenblatt) % too high?
Citizens Financial WV's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Citizens Financial WV ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citizens Financial WV has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial WV's ROC (Joel Greenblatt) % compare to STLE and KLIB?
According to the Banks industry distribution chart, Citizens Financial WV ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Citizens Financial WV in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Financial WV and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial WV's current ROC (Joel Greenblatt) % is %. 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 $38.48, compared to a current price of $48.98 — trading 27.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Citizens Financial WV's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current ROC (Joel Greenblatt) % is % 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 $48.98 is trading 27.3% above its estimated GF Value™ of $38.48. GuruFocus considers Citizens Financial WV to be Modestly Overvalued.

Key valuation signals for CIWV:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $38.48 vs. price of $48.98 (27.3% above fair value)
  • GF Score™: 66/100 with 6 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.
66GF Score

Get the complete analysis for CIWV

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.98
Price
$38.48
GF Value