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Citizens Financial (CIWV) Stock Price & Analysis

6 Followers

CIWV Stock Chart & Stats

$56.25$0.43(1.97%)
At close: 4:00 PM EST
$47.5$50$52.5$55Aug 12Sep 2Sep 14Sep 28Oct 13Oct 26Nov 9
Day’s Range
$55.83 - $56.25
52-Week Range
$30.85 - $56.92
Previous Close
$55.17
Volume
N/A
Average Volume (3M)
718
Market Cap
$100.90M
Enterprise Value
$89.07M
Total Cash (Recent Filing)
$0
Total Debt (Recent Filing)
$0
Price to Earnings (P/E)
7.7
Beta
0.17
Next Earnings
N/A
EPS Estimate
N/A
Last Dividend Ex-Date
Oct 23, 2026
Dividend Yield
2.03%

Bulls Say, Bears Say

Bulls Say

Revenue And Profitability

Meaningful multi-year revenue expansion, combined with solid net and operating margins, indicates a business that has increased its earnings base while remaining profitable. This scale and profitability can support continued reinvestment and provide a durable foundation for performance over the next several quarters.

Improving Leverage

Declining debt relative to equity and steady equity growth strengthen the company’s financial capacity. Conservative and improving leverage can reduce balance-sheet pressure, preserve flexibility for lending or investment, and improve resilience if operating conditions become less favorable.

Cash Generation Quality

Strong operating and free cash flow that closely tracks net income supports the quality of reported earnings. This conversion gives the company greater ability to fund operations, support shareholder returns, and pursue opportunities without relying as heavily on external financing.

Bears Say

Margin Compression

The decline in net margin from earlier peak levels shows that revenue growth has not translated fully into proportional profitability. If this pattern persists, higher costs or competitive pressure could limit earnings growth and reduce the operating leverage expected from continued expansion.

Cash-flow Metric Volatility

Large year-to-year swings in the cash-flow coverage metric make the stability of cash generation harder to assess. Although 2025 cash flow was strong, inconsistent coverage reduces confidence that current conversion levels will persist and complicates longer-term financial planning.

Banking Sensitivity

As a regional bank, the company’s large asset base relative to equity can amplify the effect of changes in credit quality and funding conditions. Even with moderate debt-to-equity, adverse conditions could pressure returns, capital flexibility, and the consistency of future earnings.

CIWV FAQ

What was Citizens Financial’s price range in the past 12 months?
Citizens Financial lowest stock price was $30.85 and its highest was $56.92 in the past 12 months.
What is Citizens Financial’s market cap?
Citizens Financial’s market cap is $100.90M.
When is Citizens Financial’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Citizens Financial’s earnings last quarter?
Citizens Financial released its earnings results on Oct 19, 2026. The company reported $2.005 earnings per share for the quarter.
Is Citizens Financial overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Citizens Financial pay dividends?
Citizens Financial pays a quarterly dividend of $0.3 which represents an annual dividend yield of 2.03%. See more information on Citizens Financial dividends here
What is Citizens Financial’s EPS estimate?
Citizens Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Citizens Financial have?
Citizens Financial has 1,702,408 shares outstanding.
What happened to Citizens Financial’s price movement after its last earnings report?
Citizens Financial reported an EPS of $2.005 in its last earnings report. Following the earnings report the stock price went up 5.76%.
Which hedge fund is a major shareholder of Citizens Financial?
Currently, no hedge funds are holding shares in CIWV
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology