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Citizens Financial Corp. CIWV

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Price alert · CIWV

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56.00 USD 0.00 0.00%

At close · Oct 30

55.05 Day range 56.00
30.85 52-week range 56.92
YTD
+70.99%
1 year
+66.47%
Open
55.05
Prev close
56.00
Mkt cap
100.48M
Vol
38
Avg vol
626
EPS
7.33
P/E
7.64
More statistics
Low
55.05
High
56.00

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Financial health

Altman Z-Score

-0.85 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 5.8×
FY 2008: 14.0×FY 2014: 6.9×FY 2015: 13.6×FY 2019: 9.1×FY 2020: 6.0×FY 2021: 5.9×FY 2022: 4.9×FY 2023: 6.0×FY 2024: 5.7×FY 2025: 5.8×
FY 2008 5y median 5.8× FY 2025
P/S 1.3×
FY 2008: 0.7×FY 2014: 1.4×FY 2015: 1.9×FY 2019: 1.8×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 1.4×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 1.3×
FY 2008 5y median 1.3× FY 2025
P/B 0.9×
FY 2008: 0.6×FY 2014: 0.7×FY 2015: 0.9×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 0.9×
FY 2008 5y median 0.9× FY 2025
P/FCF 4.7×
FY 2008: 4.3×FY 2014: 11.6×FY 2015: 12.1×FY 2019: 8.6×FY 2020: 4.9×FY 2021: 5.4×FY 2022: 4.8×FY 2023: 6.5×FY 2024: 4.7×FY 2025: 4.7×
FY 2008 5y median 4.8× FY 2025
EV/EBITDA 5.1×
FY 2008: 28.3×FY 2014: -1.1×FY 2015: 1.2×FY 2019: 2.7×FY 2020: -0.7×FY 2021: -6.4×FY 2022: 2.1×FY 2023: 5.7×FY 2024: 4.3×FY 2025: 5.1×
FY 2008 5y median 4.3× FY 2025
EV/Sales 1.5×
FY 2008: 2.3×FY 2014: -0.9×FY 2015: 0.8×FY 2019: 0.7×FY 2020: -0.2×FY 2021: -2.6×FY 2022: 0.8×FY 2023: 1.5×FY 2024: 1.1×FY 2025: 1.5×
FY 2008 5y median 1.1× FY 2025
FCF Yield 21.3%
FY 2008: 23.1%FY 2014: 8.6%FY 2015: 8.2%FY 2019: 11.6%FY 2020: 20.4%FY 2021: 18.6%FY 2022: 20.9%FY 2023: 15.4%FY 2024: 21.4%FY 2025: 21.3%
FY 2008 5y median 20.9% FY 2025

Profitability

Gross Margin 65.3%
FY 2008: 51.2%FY 2014: 100.0%FY 2015: 100.0%FY 2019: 85.8%FY 2020: 90.8%FY 2021: 93.5%FY 2022: 88.2%FY 2023: 67.8%FY 2024: 62.5%FY 2025: 65.3%
FY 2008 5y median 67.8% FY 2025
Operating Margin 29.4%
FY 2008: 5.9%FY 2014: 34.9%FY 2015: 26.9%FY 2019: 24.6%FY 2020: 30.1%FY 2021: 39.0%FY 2022: 36.2%FY 2023: 24.1%FY 2024: 22.9%FY 2025: 29.4%
FY 2008 5y median 29.4% FY 2025
Net Margin 23.0%
FY 2008: 5.4%FY 2014: 19.6%FY 2015: 14.1%FY 2019: 19.7%FY 2020: 24.0%FY 2021: 30.9%FY 2022: 28.8%FY 2023: 19.3%FY 2024: 18.1%FY 2025: 23.0%
FY 2008 5y median 23.0% FY 2025
ROE 16.5%
FY 2008: 4.4%FY 2014: 9.4%FY 2015: 6.4%FY 2019: 10.8%FY 2020: 13.5%FY 2021: 15.9%FY 2022: 18.0%FY 2023: 14.5%FY 2024: 14.7%FY 2025: 16.5%
FY 2008 5y median 15.9% FY 2025
ROIC 1.4%
FY 2008: 0.9%FY 2014: 1.2%FY 2015: 0.8%FY 2019: 6.5%FY 2020: 8.8%FY 2021: 7.8%FY 2022: 9.2%FY 2023: 8.5%FY 2024: 10.0%FY 2025: 1.4%
FY 2008 5y median 8.5% FY 2025
ROA 1.4%
FY 2008: 0.3%FY 2014: 0.9%FY 2015: 0.6%FY 2019: 1.1%FY 2020: 1.3%FY 2021: 1.2%FY 2022: 1.1%FY 2023: 1.0%FY 2024: 1.1%FY 2025: 1.4%
FY 2008 5y median 1.1% FY 2025

Growth (YoY)

Revenue 6.4%
FY 2008: -4.0%FY 2014: 0.0%FY 2015: -3.8%FY 2019: 0.0%FY 2020: 14.4%FY 2021: 4.1%FY 2022: 21.3%FY 2023: 42.3%FY 2024: 28.7%FY 2025: 6.4%
FY 2008 FY 2025
Operating Income 36.5%
FY 2008: -20.9%FY 2014: 0.0%FY 2015: -25.7%FY 2019: 0.0%FY 2020: 39.8%FY 2021: 34.7%FY 2022: 12.9%FY 2023: -5.3%FY 2024: 22.1%FY 2025: 36.5%
FY 2008 FY 2025
EPS (diluted) 34.8%
FY 2008: -12.3%FY 2014: 0.0%FY 2015: -30.2%FY 2019: 0.0%FY 2020: 39.7%FY 2021: 34.6%FY 2022: 13.1%FY 2023: -5.1%FY 2024: 20.2%FY 2025: 34.8%
FY 2008 FY 2025
Free Cash Flow 34.8%
FY 2008: 4.9%FY 2014: 0.0%FY 2015: 31.0%FY 2019: 0.0%FY 2020: 60.5%FY 2021: 21.6%FY 2022: 4.3%FY 2023: -13.5%FY 2024: 61.0%FY 2025: 34.8%
FY 2008 FY 2025

Financial Health

Current Ratio 14.5×
FY 2008: 0.5×FY 2014: 0.0×FY 2015: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 14.5×
FY 2008 5y median 0.1× FY 2025
Quick Ratio 14.5×
FY 2008: 0.9×FY 2014: 0.0×FY 2015: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 14.5×
FY 2008 5y median 0.1× FY 2025
Debt / Equity 0.3×
FY 2008: 1.9×FY 2014: 0.0×FY 2015: 0.0×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.3×
FY 2008 5y median 0.4× FY 2025
Net Debt / EBITDA 0.6×
FY 2008: 19.0×FY 2014: -2.6×FY 2015: -1.6×FY 2019: -3.9×FY 2020: -5.2×FY 2021: -10.9×FY 2022: -1.5×FY 2023: 1.3×FY 2024: 0.1×FY 2025: 0.6×
FY 2008 5y median 0.1× FY 2025
Interest Coverage 1.0×
FY 2008: 0.2×FY 2014: 0.0×FY 2015: 0.0×FY 2019: 1.7×FY 2020: 3.3×FY 2021: 6.0×FY 2022: 3.1×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 1.0×
FY 2008 5y median 1.0× FY 2025

Dividends

Dividend Yield 3.1%
FY 2008: 5.7%FY 2014: 2.3%FY 2015: 3.1%FY 2019: 3.8%FY 2020: 4.2%FY 2021: 3.5%FY 2022: 4.5%FY 2023: 3.9%FY 2024: 3.6%FY 2025: 3.1%
FY 2008 5y median 3.6% FY 2025
Payout Ratio 17.6%
FY 2008: 79.9%FY 2014: 15.6%FY 2015: 42.2%FY 2019: 34.5%FY 2020: 25.2%FY 2021: 20.9%FY 2022: 21.7%FY 2023: 23.4%FY 2024: 20.8%FY 2025: 17.6%
FY 2008 5y median 20.9% FY 2025

Annual · latest fiscal year ends 2025-12-31