Home / CIWV : OTC

AI Analysis Fundamentals Valuation Video Analysis Similar

AI Analysis

How does CIWV make money? Does CIWV have pricing power? What's the Earnings Whisper? Will CIWV profit more as the business scales? What is CIWV's management track record? Is CIWV's current price justified?

Citizens Financial Corp.

$48.39 +$15.64 (+47.76%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$48.39

Day Range

$48.39$48.4

Year Range

$30.85$52

Market Cap

82.23M

AVG Volume

740

Trailing/Forward PE

7.12/-

PEG ratio

0.24

Dividend Yield

2.25%

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD)

CIWV Revenue (USD) by quarter
Period	Revenue (USD)
26 Q2	12.5M
26 Q1	13.15M
25 Q4	11.69M
25 Q3	11.13M
25 Q2	10.83M
25 Q1	10.6M
24 Q4	11.11M
24 Q3	10.73M
24 Q2	10.09M
24 Q1	9.57M

Net Income (USD)

CIWV Net Income (USD) by quarter
Period	Net Income (USD)
26 Q2	3.52M
26 Q1	3.51M
25 Q4	2.56M
25 Q3	2.62M
25 Q2	2.56M
25 Q1	2.44M
24 Q4	2.42M
24 Q3	1.96M
24 Q2	1.6M
24 Q1	1.56M

Operating Income (USD)

CIWV Operating Income (USD) by quarter
Period	Operating Income (USD)
26 Q2	4.53M
26 Q1	3.99M
25 Q4	3.29M
25 Q3	3.32M
25 Q2	3.26M
25 Q1	3.12M
24 Q4	3.09M
24 Q3	2.48M
24 Q2	2.05M
24 Q1	1.91M

EBITDA (USD)

CIWV EBITDA (USD) by quarter
Period	EBITDA (USD)
26 Q2	4.53M
26 Q1	3.99M
25 Q4	3.29M
25 Q3	3.32M
25 Q2	3.26M
25 Q1	3.12M
24 Q4	3.09M
24 Q3	2.48M
24 Q2	2.05M
24 Q1	1.91M

Cash Flows (USD)

CIWV Cash Flows (USD) by quarter
Period	Cash Flows (USD)
26 Q1	0
25 Q4	0
25 Q3	0
25 Q1	0
24 Q4	0
24 Q3	0
24 Q2	0
24 Q1	0
23 Q4	0
23 Q3	0

EPS (USD)

CIWV EPS (USD) by quarter
Period	EPS (USD)
26 Q2	1.96
26 Q1	1.95
25 Q4	1.43
25 Q3	1.46
25 Q2	1.43
25 Q1	1.37
24 Q4	1.36
24 Q3	1.1
24 Q2	0.9
24 Q1	0.88

Expenses (USD)

CIWV Expenses (USD) by quarter
Period	Expenses (USD)
23 Q4	0
23 Q3	0
26 Q2	0
26 Q1	0
25 Q4	0
25 Q3	0
25 Q2	0
25 Q1	0
24 Q4	11.53M
24 Q3	0
24 Q2	0
24 Q1	0

Cash & Debt (USD)

CIWV Cash & Debt (USD) by quarter
Period	Cash & Debt (USD)
26 Q1	0
25 Q4	9.59M
25 Q1	0
24 Q4	18.36M
24 Q3	0
24 Q2	0
24 Q1	0
23 Q4	11.22M
23 Q3	0
23 Q2	0

Debt ratios

CIWV Debt ratios by quarter
Period	Debt ratios
26 Q1	0
25 Q4	0.63
25 Q1	0
24 Q4	0.12
24 Q3	0
24 Q2	0
24 Q1	0
23 Q4	1.39
23 Q3	0
23 Q2	0

Margins

CIWV Margins by quarter
Period	Margins
26 Q2	70.95%
26 Q1	76.51%
25 Q4	66.04%
25 Q3	66.35%
25 Q2	68.99%
25 Q1	68.23%
24 Q4	65.17%
24 Q3	61.65%
24 Q2	60.83%
24 Q1	61.56%

Return on Capital

CIWV Return on Capital by quarter
Period	Return on Capital
26 Q1	5.4%
25 Q4	4.14%
25 Q1	4.52%
24 Q4	4.72%
24 Q3	3.99%
24 Q2	3.49%
24 Q1	3.61%
23 Q4	3.61%
23 Q3	3.97%
23 Q2	3.99%

Shares Outstanding

CIWV Shares Outstanding by quarter
Period	Shares Outstanding
26 Q2	1.79M
26 Q1	1.8M
25 Q4	1.79M
25 Q3	1.79M
25 Q2	1.79M
25 Q1	1.78M
24 Q4	1.8M
24 Q3	1.78M
24 Q2	1.78M
24 Q1	1.78M

Dividends (USD)

CIWV Dividends (USD) by quarter
Period	Dividends (USD)
Jul 26	0.3
Apr 26	0.27
Jan 26	0.27
Oct 25	0.25
Jul 25	0.25
Apr 25	0.25
Jan 25	0.25
Oct 24	0.22
Jul 24	0.22
Apr 24	0.22

Book Value Per Share (USD)

CIWV Book Value Per Share (USD) by quarter
Period	Book Value Per Share (USD)
26 Q1	36.12
25 Q4	34.56
25 Q1	30.31
24 Q4	28.6
24 Q3	27.59
24 Q2	25.89
24 Q1	24.29
23 Q4	24.29
23 Q3	22.72
23 Q2	21.83

Total Assets (USD)

CIWV Total Assets (USD) by quarter
Period	Total Assets (USD)
26 Q1	775.09M
25 Q4	704.63M
25 Q1	687.05M
24 Q4	666.71M
24 Q3	692.17M
24 Q2	681.53M
24 Q1	673.1M
23 Q4	651.86M
23 Q3	621.71M
23 Q2	600.48M

PE Ratio

CIWV PE Ratio by quarter
Period	PE Ratio
Sep 26	7.75
Sep 26	7.75
Aug 26	7.68
Aug 26	7.68
Aug 26	7.68
Aug 26	7.64
Jul 26	7.6
Jul 26	7.84
Jul 26	7.84
Jul 26	7.23
Jul 26	7.2
Jun 26	7.9
Jun 26	7.56
Jun 26	7.56
Jun 26	7.91
May 26	8.61
May 26	8.82
May 26	8.52
May 26	8.79
May 26	8.96
Apr 26	8.79
Apr 26	7.56
Apr 26	7.64
Apr 26	7.47
Mar 26	7.17
Mar 26	6.5
Mar 26	6.5
Mar 26	6.68
Feb 26	6.72
Feb 26	6.59
Feb 26	6.32
Feb 26	6.23
Jan 26	6.35
Jan 26	6.06
Jan 26	5.93
Jan 26	5.84
Jan 26	5.83
Dec 25	6.29
Dec 25	6.29
Dec 25	6.26
Dec 25	6.48
Nov 25	6.48
Nov 25	6.48
Nov 25	6.48
Nov 25	6.44
Oct 25	6.48
Oct 25	6.38
Oct 25	6.62
Oct 25	6.58
Oct 25	6.67
Sep 25	7.04
Sep 25	7.04
Sep 25	7.04
Sep 25	7.04
Aug 25	6.98
Aug 25	6.98
Aug 25	7.09
Aug 25	7.09
Aug 25	7.09
Jul 25	7.09
Jul 25	6.77
Jul 25	6.87
Jul 25	6.87
Jun 25	7.5
Jun 25	7.5
Jun 25	7.38
Jun 25	7.07
May 25	7.07
May 25	7.07
May 25	7.07
May 25	7.21
May 25	7.21
Apr 25	7.2
Apr 25	6.61
Apr 25	6.61
Apr 25	6.67
Mar 25	7.39
Mar 25	7.26
Mar 25	7.32
Mar 25	7.72
Feb 25	7.72
Feb 25	7.72
Feb 25	7.86
Feb 25	7.46
Jan 25	7.46
Jan 25	7.32
Jan 25	7.19
Jan 25	6.92
Jan 25	6.46
Dec 24	6.82
Dec 24	6.82
Dec 24	6.82
Dec 24	6.82
Nov 24	7.31
Nov 24	7.03
Nov 24	6.59
Nov 24	6.59
Nov 24	6.59
Oct 24	6.33
Oct 24	6.33

Free Cash Flow Yield

CIWV Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 25	0%
Sep 25	0%
Sep 25	0%
Sep 25	0%
Aug 25	0%
Aug 25	0%
Aug 25	0%
Aug 25	0%
Aug 25	0%
Jul 25	0%
Jul 25	0%
Jul 25	0%
Jul 25	0%
Jun 25	0%
Jun 25	0%
Jun 25	0%
Jun 25	0%
May 25	0%
May 25	0%
May 25	0%
May 25	0%
May 25	0%
Apr 25	0%
Apr 25	0%
Apr 25	0%
Apr 25	0%
Mar 25	0%
Mar 25	0%
Mar 25	0%
Mar 25	0%
Feb 25	0%
Feb 25	0%
Feb 25	0%
Feb 25	0%
Jan 25	0%
Jan 25	0%
Jan 25	0%
Jan 25	0%
Jan 25	0%
Dec 24	0%
Dec 24	0%
Dec 24	0%
Dec 24	0%
Nov 24	0%
Nov 24	0%
Nov 24	0%
Nov 24	0%
Nov 24	0%
Oct 24	0%
Oct 24	0%
Oct 24	0%
Oct 24	0%
Sep 24	0%
Sep 24	0%
Sep 24	0%
Sep 24	0%
Aug 24	0%
Aug 24	0%
Aug 24	0%
Aug 24	0%
Aug 24	0%
Jul 24	0%
Jul 24	0%
Jul 24	0%
Jul 24	0%
Jun 24	0%
Jun 24	0%
Jun 24	0%
Jun 24	0%
May 24	0%
May 24	0%
May 24	0%
May 24	0%
May 24	0%
Apr 24	0%
Apr 24	0%
Apr 24	0%
Apr 24	0%
Mar 24	0%
Mar 24	0%
Mar 24	0%
Mar 24	0%
Mar 24	0%
Feb 24	0%
Feb 24	0%
Feb 24	0%
Feb 24	0%
Jan 24	0%
Jan 24	0%
Jan 24	0%
Jan 24	0%
Dec 23	0%
Dec 23	0%
Dec 23	0%
Dec 23	0%
Dec 23	0%
Nov 23	0%
Nov 23	0%
Nov 23	0%
Nov 23	0%

Price to Sales

CIWV Price to Sales by quarter
Period	Price to Sales
Sep 26	1.86
Sep 26	1.86
Aug 26	1.85
Aug 26	1.85
Aug 26	1.85
Aug 26	1.83
Jul 26	1.83
Jul 26	1.88
Jul 26	1.88
Jul 26	1.74
Jul 26	1.73
Jun 26	1.82
Jun 26	1.74
Jun 26	1.74
Jun 26	1.82
May 26	1.98
May 26	2.03
May 26	1.96
May 26	2.02
May 26	2.06
Apr 26	2.02
Apr 26	1.74
Apr 26	1.76
Apr 26	1.72
Mar 26	1.65
Mar 26	1.49
Mar 26	1.49
Mar 26	1.54
Feb 26	1.55
Feb 26	1.52
Feb 26	1.45
Feb 26	1.43
Jan 26	1.46
Jan 26	1.39
Jan 26	1.36
Jan 26	1.34
Jan 26	1.34
Dec 25	1.36
Dec 25	1.36
Dec 25	1.36
Dec 25	1.41
Nov 25	1.41
Nov 25	1.41
Nov 25	1.41
Nov 25	1.4
Oct 25	1.4
Oct 25	1.38
Oct 25	1.44
Oct 25	1.43
Oct 25	1.45
Sep 25	1.39
Sep 25	1.39
Sep 25	1.39
Sep 25	1.39
Aug 25	1.38
Aug 25	1.38
Aug 25	1.4
Aug 25	1.4
Aug 25	1.4
Jul 25	1.4
Jul 25	1.34
Jul 25	1.36
Jul 25	1.36
Jun 25	1.36
Jun 25	1.36
Jun 25	1.34
Jun 25	1.28
May 25	1.28
May 25	1.28
May 25	1.28
May 25	1.31
May 25	1.31
Apr 25	1.31
Apr 25	1.2
Apr 25	1.2
Apr 25	1.21
Mar 25	1.25
Mar 25	1.23
Mar 25	1.24
Mar 25	1.31
Feb 25	1.31
Feb 25	1.31
Feb 25	1.33
Feb 25	1.26
Jan 25	1.26
Jan 25	1.24
Jan 25	1.22
Jan 25	1.17
Jan 25	1.09
Dec 24	1.16
Dec 24	1.16
Dec 24	1.16
Dec 24	1.16
Nov 24	1.25
Nov 24	1.2
Nov 24	1.13
Nov 24	1.13
Nov 24	1.13
Oct 24	1.08
Oct 24	1.08

EV/EBITDA

CIWV EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	6.28
Sep 26	6.28
Aug 26	6.23
Aug 26	6.23
Aug 26	6.23
Aug 26	6.19
Jul 26	6.17
Jul 26	6.36
Jul 26	6.36
Jul 26	5.86
Jul 26	5.84
Jun 26	6.82
Jun 26	6.55
Jun 26	6.54
Jun 26	6.82
May 26	7.37
May 26	7.53
May 26	7.3
May 26	7.51
May 26	7.64
Apr 26	7.51
Apr 26	6.54
Apr 26	6.61
Apr 26	6.47
Sep 25	5.52
Sep 25	5.52
Sep 25	5.52
Sep 25	5.52
Aug 25	5.48
Aug 25	5.48
Aug 25	5.56
Aug 25	5.56
Aug 25	5.56
Jul 25	5.56
Jul 25	5.32
Jul 25	5.4
Jul 25	5.4
Jun 25	6.06
Jun 25	6.06
Jun 25	5.96
Jun 25	5.72
May 25	5.72
May 25	5.72
May 25	5.72
May 25	5.83
May 25	5.83
Apr 25	5.82
Apr 25	5.36
Apr 25	5.35
Apr 25	5.4
Mar 25	5.89
Mar 25	5.79
Mar 25	5.83
Mar 25	6.15
Feb 25	6.15
Feb 25	6.15
Feb 25	6.26
Feb 25	5.94
Jan 25	5.94
Jan 25	5.83
Jan 25	5.73
Jan 25	5.52
Jan 25	5.15
Dec 24	5.43
Dec 24	5.43
Dec 24	5.43
Dec 24	5.43
Nov 24	5.83
Nov 24	5.6
Nov 24	5.26
Nov 24	5.26
Nov 24	5.26
Oct 24	5.04
Oct 24	5.04
Oct 24	4.59
Oct 24	4.59
Sep 24	4.6
Sep 24	4.6
Sep 24	4.6
Sep 24	4.59
Aug 24	4.59
Aug 24	4.55
Aug 24	4.32
Aug 24	4.59
Aug 24	4.55
Jul 24	4.43
Jul 24	4.37
Jul 24	4.32
Jul 24	4.32
Jun 24	5.72
Jun 24	5.73
Jun 24	5.74
Jun 24	5.74
May 24	5.77
May 24	5.77
May 24	5.77
May 24	5.7
May 24	5.78
Apr 24	5.83
Apr 24	5.83

Price/Operating Cashflow

CIWV Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Dec 22	73.93
Dec 22	73.93
Dec 22	76.19
Dec 22	74.95
Nov 22	74.95
Nov 22	75.98
Nov 22	75.98
Nov 22	73.93
Oct 22	78.03
Oct 22	78.24
Oct 22	79.68
Oct 22	79.68
Sep 22	79.68
Sep 22	18.56
Sep 22	18.98
Sep 22	18.98
Sep 22	18.98
Aug 22	18.75
Aug 22	19.74
Aug 22	19.74
Aug 22	19.74
Jul 22	19.74
Jul 22	19.74
Jul 22	18.98
Jul 22	17.56
Jul 22	17.56
Jun 22	8.15
Jun 22	8.15
Jun 22	8.26
Jun 22	8.26
May 22	8.26
May 22	8.26
May 22	8.26
May 22	8.37
Apr 22	9.16
Apr 22	9.69
Apr 22	9.03
Apr 22	9.03
Apr 22	8.72
Mar 22	8.72
Mar 22	8.72
Mar 22	8.3
Mar 22	8.72
Feb 22	8.72
Feb 22	8.72
Feb 22	8.54
Feb 22	8.76
Jan 22	8.76
Jan 22	8.76
Jan 22	8.76
Jan 22	8.76
Dec 21	8.54
Dec 21	8.54
Dec 21	8.54
Dec 21	8.54
Dec 21	8.26
Nov 21	8.21
Nov 21	8.48
Nov 21	8.37
Nov 21	8.37
Oct 21	8.26
Oct 21	8.23
Oct 21	8.23
Oct 21	7.93
Oct 21	8.12
Sep 21	8.12
Sep 21	8.12
Sep 21	8.12
Sep 21	8.12
Aug 21	7.96
Aug 21	8.26
Aug 21	8.26
Aug 21	8.26
Jul 21	8.37
Jul 21	8.37
Jul 21	8.37
Jul 21	8.04
Jul 21	8.04
Jun 21	7.55
Jun 21	7.55
Jun 21	7.49
Jun 21	7.49
May 21	7.49
May 21	7.49
May 21	7.27
May 21	7.46
Apr 21	7.46
Apr 21	7.46
Apr 21	7.44
Apr 21	7.48
Apr 21	7.49
Mar 21	7.35
Mar 21	7.27
Mar 21	7.27
Mar 21	7.05
Feb 21	7.05
Feb 21	6.94
Feb 21	6.82
Feb 21	6.71
Jan 21	6.71

Price to Book

CIWV Price to Book by quarter
Period	Price to Book
Sep 26	1.34
Sep 26	1.34
Aug 26	1.33
Aug 26	1.33
Aug 26	1.33
Aug 26	1.32
Jul 26	1.32
Jul 26	1.36
Jul 26	1.36
Jul 26	1.25
Jul 26	1.25
Jun 26	1.3
Jun 26	1.25
Jun 26	1.24
Jun 26	1.3
May 26	1.42
May 26	1.45
May 26	1.4
May 26	1.45
May 26	1.48
Apr 26	1.45
Apr 26	1.24
Apr 26	1.26
Apr 26	1.23
Sep 25	1.1
Sep 25	1.1
Sep 25	1.1
Sep 25	1.1
Aug 25	1.09
Aug 25	1.09
Aug 25	1.11
Aug 25	1.11
Aug 25	1.11
Jul 25	1.11
Jul 25	1.06
Jul 25	1.07
Jul 25	1.07
Jun 25	1.1
Jun 25	1.1
Jun 25	1.08
Jun 25	1.04
May 25	1.04
May 25	1.04
May 25	1.04
May 25	1.06
May 25	1.06
Apr 25	1.06
Apr 25	0.97
Apr 25	0.97
Apr 25	0.98
Mar 25	1.01
Mar 25	0.99
Mar 25	1
Mar 25	1.05
Feb 25	1.05
Feb 25	1.05
Feb 25	1.07
Feb 25	1.01
Jan 25	1.01
Jan 25	1
Jan 25	0.98
Jan 25	0.94
Jan 25	0.88
Dec 24	0.94
Dec 24	0.94
Dec 24	0.94
Dec 24	0.94
Nov 24	1
Nov 24	0.97
Nov 24	0.91
Nov 24	0.91
Nov 24	0.91
Oct 24	0.87
Oct 24	0.87
Oct 24	0.79
Oct 24	0.79
Sep 24	0.83
Sep 24	0.83
Sep 24	0.83
Sep 24	0.83
Aug 24	0.83
Aug 24	0.82
Aug 24	0.78
Aug 24	0.83
Aug 24	0.82
Jul 24	0.8
Jul 24	0.79
Jul 24	0.78
Jul 24	0.78
Jun 24	0.78
Jun 24	0.78
Jun 24	0.79
Jun 24	0.79
May 24	0.79
May 24	0.79
May 24	0.79
May 24	0.78
May 24	0.79
Apr 24	0.8
Apr 24	0.8

No video analysis for this stock yet. Request one from our team.

AI Analysis

Citizens Financial Corp.

Video analysis: CIWV

Similar companies