CIWV (Citizens Financial WV) Scaled Net Operating Assets: 0.09 (As of Mar. 2026)


CIWV Citizens Financial Corp WV CIWV
67 GF Score
Price $44.98
GF Value $38.20
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Citizens Financial WV Scaled Net Operating Assets?

Citizens Financial WV CIWV +2.95% 67 Scaled Net Operating Assets is 0.09 as of Mar. 2026. GuruFocus rates CIWV with a GF Score™ of 67/100 and a GF Value™ of $38.20 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citizens Financial WV's operating assets for the quarter that ended in Mar. 2026 was $775.09 Mil. Citizens Financial WV's operating liabilities for the quarter that ended in Mar. 2026 was $710.10 Mil. Citizens Financial WV's Total Assets for the quarter that ended in Dec. 2025 was $704.63 Mil. Therefore, Citizens Financial WV's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.09.

CIWV
67GF Score
Citizens Financial Corp WV CIWV
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial WV Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citizens Financial WV's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(659.63-625.899)/666.706
=0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=704.628 - 44.998
=659.63

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=642.814 - 16.915 - 0
=625.899

Citizens Financial WV's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(775.093-710.095)/704.628
=0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=775.093 - 0
=775.093

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=710.095 - 0 - 0
=710.095

* 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.

What does a Scaled Net Operating Assets of 0.09 mean?
Citizens Financial WV (CIWV) has a Scaled Net Operating Assets of 0.09 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citizens Financial WV and its competitors.
Is Citizens Financial WV's Scaled Net Operating Assets too high?
Citizens Financial WV's current Scaled Net Operating Assets is 0.09. 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 Scaled Net Operating Assets compare to STLE and KLIB?
Citizens Financial WV's Scaled Net Operating Assets of 0.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citizens Financial WV and its competitors. Citizens Financial WV's current Scaled Net Operating Assets is 0.09. 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 $38.20, compared to a current price of $44.98 — trading 17.7% above its estimated fair value. The current Scaled Net Operating Assets is 0.09. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Citizens Financial WV (CIWV), the current Scaled Net Operating Assets is 0.09 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 17.7% above its estimated GF Value™ of $38.20. GuruFocus considers Citizens Financial WV to be Modestly Overvalued.

Key valuation signals for CIWV:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: $38.20 vs. price of $44.98 (17.7% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.98
Price
$38.20
GF Value