CIWV — Stock Film
STOCK FILMSCENE 1/9CIWV · $48.40
Stock Expert AI presents
CIWV
Citizens Financial Corp
~3 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Citizens Financial Corp. What it actually does.

Provides retail banking services to individuals and families. Offers commercial loans to businesses. Now — the numbers.

on the stock market since 2000
84 employees
$82.3M market value
Revenue last year:
$44.3M
The net profit left over:
$10.2M
Out of every $100 of revenue, $23 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 23%

This is an established company with proven profits.

THE SALES TREND
Sales are growing, year after year.

Average growth of 24% a year over the last 4 years. Every year shown ended in profit.

$18.7M
2021
2022
2023
2024
$44.3M
2025
THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
8.1×

The market pays 8.1× for every dollar of annual profit — cheap, which is either an opportunity or a warning.

No analyst target is on record for this company.

THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 23% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 4 years, sales grew about 24% a year on average.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $1.09 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/1
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
grade pending

No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film