CIWV (Citizens Financial WV) Altman Z-Score


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 Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

CIWV
67GF Score
Citizens Financial Corp WV CIWV
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Altman Z-Score:
  • 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

Get the complete analysis for CIWV

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.98
Price
$38.12
GF Value