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


CIWV Citizens Financial Corp WV CIWV
67 GF Score
Price $44.98
GF Value $38.12
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Citizens Financial WV ROC %?

Citizens Financial WV CIWV +2.95% 67 ROC % is % as of Mar. 2026. GuruFocus rates CIWV with a GF Score™ of 67/100 and a GF Value™ of $38.12 (Modestly Overvalued). The stock has 2 warning signs investors should review.

ROC %does not apply to banks.

CIWV
67GF Score
Citizens Financial Corp WV CIWV
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Citizens Financial WV (CIWV) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Citizens Financial WV and its competitors.
Is Citizens Financial WV's ROC % too high?
Citizens Financial WV's current ROC % is %. 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 ROC % compare to STLE and KLIB?
Citizens Financial WV's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Citizens Financial WV and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial WV's current ROC % 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 $38.12, compared to a current price of $44.98 — trading 18% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current ROC % 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 $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:

  • ROC %: %
  • GF Value™: $38.12 vs. price of $44.98 (18% 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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.98
Price
$38.12
GF Value