Citizens Financial (OTCMKTS:CIWV – Get Rating) is one of 207 publicly-traded companies in the “Banks—Regional” industry, but how does it contrast to its competitors? We will compare Citizens Financial to related companies based on the strength of its analyst recommendations, profitability, risk, institutional ownership, valuation, earnings and dividends.
Institutional and Insider Ownership
5.6% of Citizens Financial shares are owned by institutional investors. Comparatively, 33.1% of shares of all “Banks—Regional” companies are owned by institutional investors. 14.3% of shares of all “Banks—Regional” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Dividends
Citizens Financial pays an annual dividend of $0.28 per share and has a dividend yield of 1.3%. Citizens Financial pays out 47.8% of its earnings in the form of a dividend. As a group, “Banks—Regional” companies pay a dividend yield of 11.6% and pay out 15.3% of their earnings in the form of a dividend. Citizens Financial lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Citizens Financial | N/A | N/A | N/A |
| Citizens Financial Competitors | 33.92% | 10.04% | 0.83% |
Analyst Recommendations
This is a breakdown of current recommendations and price targets for Citizens Financial and its competitors, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Citizens Financial | 0 | 0 | 0 | 0 | N/A |
| Citizens Financial Competitors | 964 | 2804 | 2906 | 33 | 2.30 |
As a group, “Banks—Regional” companies have a potential upside of 499.98%. Given Citizens Financial’s competitors higher possible upside, analysts clearly believe Citizens Financial has less favorable growth aspects than its competitors.
Earnings and Valuation
This table compares Citizens Financial and its competitors top-line revenue, earnings per share and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Citizens Financial | N/A | N/A | 37.48 |
| Citizens Financial Competitors | $2.81 billion | $664.45 million | 350.32 |
Citizens Financial’s competitors have higher revenue and earnings than Citizens Financial. Citizens Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Summary
Citizens Financial competitors beat Citizens Financial on 10 of the 10 factors compared.
About Citizens Financial
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. It provides various deposit products, including checking accounts, savings accounts, money market accounts, IRAs, and certificates of deposit. The company also offers loan products comprising auto, personal, RVS and camper, motorcycles, boats, and ATVS; and commercial loans, such as term loans, lines of credit, real estate loans, and government guaranteed loans, as well as home loans and home equity; debit and credit cards; insured cash sweep and CDARS; and remote deposit and safe deposit box services. In addition, it provides investment products, such as managed and brokerage accounts, 401K, simple and SEP IRAS, traditional and ROTH IRA, smart529 plans, insurance, and fixed and variable annuities; investment services, including retirement planning, estate planning, asset allocation, and college savings; and trust services. Further, the company offers online banking, mobile and telephone banking, mobile deposit, bill pay, notary, ATM, coin counter, night deposit drop, foreign currency, credit card processing, and other services, as well as wire transfers and digital wallet services. The company was founded in 1924 and is headquartered in Elkins, West Virginia.
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