Citizens Financial Corp Stock Performance
| CIWV Stock | USD 35.64 0.36 1.00% |
Citizens Financial has a performance score of 6 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.0928, which signifies not very significant fluctuations relative to the market. As returns on the market increase, Citizens Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Citizens Financial is expected to be smaller as well. Citizens Financial Corp right now shows a risk of 1.25%. Please confirm Citizens Financial Corp potential upside, as well as the relationship between the accumulation distribution and price action indicator , to decide if Citizens Financial Corp will be following its price patterns.
Risk-Adjusted Performance
Mild
Weak | Strong |
Compared to the overall equity markets, risk-adjusted returns on investments in Citizens Financial Corp are ranked lower than 6 (%) of all global equities and portfolios over the last 90 days. In spite of fairly unfluctuating basic indicators, Citizens Financial may actually be approaching a critical reversion point that can send shares even higher in March 2026. ...more
Citizens |
Citizens Financial Relative Risk vs. Return Landscape
If you would invest 3,360 in Citizens Financial Corp on November 3, 2025 and sell it today you would earn a total of 204.00 from holding Citizens Financial Corp or generate 6.07% return on investment over 90 days. Citizens Financial Corp is currently generating 0.1028% in daily expected returns and assumes 1.2484% risk (volatility on return distribution) over the 90 days horizon. In different words, 11% of pink sheets are less volatile than Citizens, and 98% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
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Citizens Financial Target Price Odds to finish over Current Price
The tendency of Citizens Pink Sheet price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
| Current Price | Horizon | Target Price | Odds to move above the current price in 90 days |
| 35.64 | 90 days | 35.64 | near 1 |
Based on a normal probability distribution, the odds of Citizens Financial to move above the current price in 90 days from now is near 1 (This Citizens Financial Corp probability density function shows the probability of Citizens Pink Sheet to fall within a particular range of prices over 90 days) .
Given the investment horizon of 90 days Citizens Financial has a beta of 0.0928 suggesting as returns on the market go up, Citizens Financial average returns are expected to increase less than the benchmark. However, during the bear market, the loss on holding Citizens Financial Corp will be expected to be much smaller as well. Additionally Citizens Financial Corp has an alpha of 0.0879, implying that it can generate a 0.0879 percent excess return over Dow Jones Industrial after adjusting for the inherited market risk (beta). Citizens Financial Price Density |
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Predictive Modules for Citizens Financial
There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as Citizens Financial Corp. Regardless of method or technology, however, to accurately forecast the pink sheet market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the pink sheet market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Citizens Financial's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Citizens Financial Risk Indicators
For the most part, the last 10-20 years have been a very volatile time for the stock market. Citizens Financial is not an exception. The market had few large corrections towards the Citizens Financial's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold Citizens Financial Corp, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of Citizens Financial within the framework of very fundamental risk indicators.α | Alpha over Dow Jones | 0.09 | |
β | Beta against Dow Jones | 0.09 | |
σ | Overall volatility | 0.84 | |
Ir | Information ratio | 0.05 |
Citizens Financial Fundamentals Growth
Citizens Pink Sheet prices reflect investors' perceptions of the future prospects and financial health of Citizens Financial, and Citizens Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Citizens Pink Sheet performance.
| Return On Equity | 0.0646 | |||
| Return On Asset | 0.0065 | |||
| Profit Margin | 0.14 % | |||
| Operating Margin | 0.27 % | |||
| Current Valuation | 61.81 M | |||
| Shares Outstanding | 1.83 M | |||
| Price To Earning | 22.92 X | |||
| Price To Book | 0.25 X | |||
| Price To Sales | 3.28 X | |||
| Revenue | 10.29 M | |||
| Cash And Equivalents | 5.04 M | |||
| Cash Per Share | 2.80 X | |||
| Book Value Per Share | 12.68 X | |||
| Cash Flow From Operations | 1.83 M | |||
| Earnings Per Share | 0.81 X | |||
| Total Asset | 223.75 M | |||
| Retained Earnings | 22.15 M | |||
About Citizens Financial Performance
Evaluating Citizens Financial's performance through its fundamental ratios, provides valuable insights into its operational efficiency and profitability. For instance, if Citizens Financial has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if Citizens Financial has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements. Please also refer to our technical analysis and fundamental analysis pages.
Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that provides retail, secondary market, and commercial loan services to consumers and businesses in West Virginia. The company was founded in 1924 and is headquartered in Elkins, West Virginia. Citizens Financial is traded on OTC Exchange in the United States.Things to note about Citizens Financial Corp performance evaluation
Checking the ongoing alerts about Citizens Financial for important developments is a great way to find new opportunities for your next move. Pink Sheet alerts and notifications screener for Citizens Financial Corp help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.Evaluating Citizens Financial's performance can involve analyzing a variety of financial metrics and factors. Some of the key considerations to evaluate Citizens Financial's pink sheet performance include:- Analyzing Citizens Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Citizens Financial's stock is overvalued or undervalued compared to its peers.
- Examining Citizens Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating Citizens Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Citizens Financial's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of Citizens Financial's pink sheet. These opinions can provide insight into Citizens Financial's potential for growth and whether the stock is currently undervalued or overvalued.
Additional Tools for Citizens Pink Sheet Analysis
When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.