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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 year
Period	Revenue (USD)
2025	44.26M
2024	41.5M
2023	32.15M
2022	22.17M
2008	17.1M
2007	17.81M
2006	16.98M
2005	14.44M
2004	12.84M
2003	12.71M

Net Income (USD)

CIWV Net Income (USD) by year
Period	Net Income (USD)
2025	10.18M
2024	7.54M
2023	6.24M
2022	6.54M
2008	916.43K
2007	1.03M
2006	2.09M
2005	2.05M
2004	1.66M
2003	2.01M

Operating Income (USD)

CIWV Operating Income (USD) by year
Period	Operating Income (USD)
2025	13M
2024	9.52M
2023	7.8M
2022	8.23M
2008	1M
2007	1.27M
2006	3.04M
2005	2.97M
2004	2.08M
2003	3M

EBITDA (USD)

CIWV EBITDA (USD) by year
Period	EBITDA (USD)
2025	13M
2024	9.52M
2023	7.8M
2022	15.27M
2008	1.37M
2007	1.61M
2006	3.46M
2005	3.59M
2004	2.78M
2003	3.64M

Cash Flows (USD)

CIWV Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	0
2024	0
2023	0
2022	0
2008	2.96M
2007	2.82M
2006	2.51M
2005	2.75M
2004	2.13M
2003	2.33M

EPS (USD)

CIWV EPS (USD) by year
Period	EPS (USD)
2025	5.69
2024	4.24
2023	3.51
2022	3.71
2008	0.5
2007	0.56
2006	1.13
2005	1.1
2004	0.87
2003	1.04

Expenses (USD)

CIWV Expenses (USD) by year
Period	Expenses (USD)
2025	0
2024	11.53M
2023	0
2022	0
2008	4.19M
2007	4.12M
2006	4.37M
2005	4.1M
2004	4.62M
2003	4.24M

Cash & Debt (USD)

CIWV Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	9.59M
2024	18.36M
2023	11.22M
2022	29.11M
2008	13.38M
2007	7.06M
2006	6.09M
2005	6.77M
2004	5.48M
2003	5.95M

Debt ratios

CIWV Debt ratios by year
Period	Debt ratios
2025	0.18
2024	0.03
2023	0.42
2022	-0.6
2008	2.59
2007	1.34
2006	1.28
2005	1.41

Margins

CIWV Margins by year
Period	Margins
2025	67.36%
2024	62.37%
2023	67.05%
2022	89.63%
2008	51.17%
2007	51.9%
2006	63.02%
2005	70.02%
2004	68.78%
2003	72.32%

Return on Capital

CIWV Return on Capital by year
Period	Return on Capital
2025	16.47%
2024	14.69%
2023	14.46%
2022	18.02%
2008	4.4%
2007	4.9%
2006	10.29%
2005	10.44%
2004	8.19%
2003	9.82%

Shares Outstanding

CIWV Shares Outstanding by year
Period	Shares Outstanding
2025	1.79M
2024	1.8M
2023	1.78M
2022	1.75M
2008	1.83M
2007	1.83M
2006	1.85M
2005	1.86M
2004	1.89M
2003	1.9M

Dividends (USD)

CIWV Dividends (USD) by year
Period	Dividends (USD)
2026	0.84
2025	1
2024	0.88
2023	0.82
2022	0.8
2021	0.68
2020	0.61
2019	0.6
2018	0.48
2017	0.4

Book Value Per Share (USD)

CIWV Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	34.56
2024	28.6
2023	24.29
2022	20.73
2008	11.39
2007	11.52
2006	10.97
2005	10.56
2004	10.72
2003	10.79

Total Assets (USD)

CIWV Total Assets (USD) by year
Period	Total Assets (USD)
2025	704.63M
2024	666.71M
2023	651.86M
2022	591.03M
2008	282.53M
2007	246.59M
2006	242.98M
2005	238.19M
2004	213.78M
2003	209.13M

PE Ratio

CIWV PE Ratio by year
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 year
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 year
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 year
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 year
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 year
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

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Citizens Financial Corp.

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