Citizens Financial Valuation
| CIWV Stock | USD 27.27 0.23 0.84% |
At this time, the firm appears to be undervalued. Citizens Financial Corp shows a prevailing Real Value of $32.18 per share. The current price of the firm is $27.27. Our model approximates the value of Citizens Financial Corp from analyzing the firm fundamentals such as Return On Equity of 0.0646, profit margin of 0.14 %, and Current Valuation of 61.81 M as well as examining its technical indicators and probability of bankruptcy.
Undervalued
Today
Please note that Citizens Financial's price fluctuation is very steady at this time. Calculation of the real value of Citizens Financial Corp is based on 3 months time horizon. Increasing Citizens Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Citizens pink sheet is determined by what a typical buyer is willing to pay for full or partial control of Citizens Financial Corp. Since Citizens Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Citizens Pink Sheet. However, Citizens Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 27.27 | Real 32.18 | Hype 27.27 | Naive 26.77 |
The intrinsic value of Citizens Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Citizens Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Citizens Financial Corp helps investors to forecast how Citizens pink sheet's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Citizens Financial more accurately as focusing exclusively on Citizens Financial's fundamentals will not take into account other important factors: Citizens Financial Total Value Analysis
Citizens Financial Corp is currently anticipated to have valuation of 61.81 M with market capitalization of 32.93 M, debt of 0, and cash on hands of 5.04 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Citizens Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
61.81 M | 32.93 M | 0 | 5.04 M |
Citizens Financial Investor Information
The company has price-to-book (P/B) ratio of 0.25. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Financial Corp last dividend was issued on the 19th of January 2023. The entity had 3:1 split on the 17th of April 2006. Citizens Financial Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April.Citizens Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Citizens indicates not a very effective usage of assets in March.Citizens Financial Profitability Analysis
The company reported the previous year's revenue of 10.29 M. Net Income was 1.45 M with profit before overhead, payroll, taxes, and interest of 10.29 M.About Citizens Financial Valuation
Our relative valuation model uses a comparative analysis of Citizens Financial. We calculate exposure to Citizens Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Citizens Financial's related companies.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.
8 Steps to conduct Citizens Financial's Valuation Analysis
Company's valuation is the process of determining the worth of any company in monetary terms. It estimates Citizens Financial's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct Citizens Financial's valuation analysis, follow these 8 steps:- Gather financial information: Obtain Citizens Financial's financial statements, including balance sheets, income statements, and cash flow statements.
- Determine Citizens Financial's revenue streams: Identify Citizens Financial's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
- Analyze market data: Research Citizens Financial's industry and market trends, including the size of the market, growth rate, and competition.
- Establish Citizens Financial's growth potential: Evaluate Citizens Financial's management, business model, and growth potential.
- Determine Citizens Financial's financial performance: Analyze its financial statements to assess its historical performance and future potential.
- Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
- Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate Citizens Financial's estimated value.
- Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Citizens Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Citizens Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Quarterly Earnings Growth Y O Y | -0.164 | |
| Retained Earnings | 24.6 M |
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.