Yahoo! FinanceHome - Yahoo! - Help

Market Guide

[ Stock Screener | Company & Fund Index | Financial Glossary ]

Profile - Citizens Fincl. Corp./DE/ (OTC BB:CIWV.OB)
As of 31-Aug-2001
Enter symbol:
symbol lookup

 
More Info: Quote | Chart | News | Profile | SEC | Financials
Location
213 Third Street
Elkins, WV 26241
Phone: (304) 636-4095
Fax: (304) 636-6924
Employees (last reported count): 89
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 39%
·Institutional: 0% (1% of float)
(one institution)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens Financial Corp. is the holding company for its wholly owned subsidiary, Citizens National Bank (the Bank). The Bank is a full-service commercial bank with operations in the West Virginia counties of Randolph, Tucker, Grant and Pocahontas. The Bank provides retail and commercial loans, and deposit, trust and brokerage services to customers in those counties and nearby areas. During the year ended December 31, 2000, Citizens Financial Corp. established Citizens Financial Services, LLC, a wholly owned insurance subsidiary, for the purpose of investing in ProServ Insurance Agency, LLC, a general insurance agency selling primarily property and casualty insurance. The Company's ownership in ProServ is less than 5%. As of December 31, 2000, the Company had total assets of $153.53 million, total deposits of $121.52 million and total shareholders' equity of $17.39 million.
More from Market Guide: Expanded Business Description

Financial Summary
Citizens Financial Corp. is a bank holding company of its wholly owned subsidiary, Citizens National Bank. For the six months ended 6/30/01, total interest income rose 12% to $5.9 million. Net interest income after loan loss prov. rose 7% to $3.4 million. Net income rose 1% to $908 thousand. Results reflect increased average earning assets, partially offset by higher interest expenses. Net income was partially offset by increased salaries and occupancy expenses.
More from Market Guide: Significant Developments

Officers
FY1999 Pay

Max Armentrout, 62
Chairman
--  
Robert Schoonover, 60
Pres and CEO of Citizens Financial Corp. & Citizens National Bank. & Direct
$98K
Thomas Derbyshire, 42
VP and Treasurer of Company and VP and CFO of Citizens National Bank
--  
Raymond Fair, 72
VP, Sec.
--  
Dollar amounts are as of 31-Dec-1999 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:CIWV.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 10-May-2001
$26.00 
Recent Price$28.50 
52-Week High
on 29-Sep-2000
$31.50 
Beta0.39 
Daily Volume (3-month avg)91 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-9.5%
52-Week Change
relative to S&P500
+21.4%
Share-Related Items
Market Capitalization$18.6M
Shares Outstanding651.0K
Float400.0K
Dividends & Splits
Annual Dividend (indicated)$1.00 
Dividend Yield3.51%
Last Splitnone 
Per-Share Data
Book Value (mrq)$28.50 
Earnings (ttm)$2.91 
Earnings (mrq)$0.73 
Sales (ttm)$18.14 
Cash (mrq)$5.80 
Valuation Ratios
Price/Book (mrq)1.00 
Price/Earnings (ttm)9.79 
Price/Sales (ttm)1.57 
Income Statements
Sales (ttm)$11.8M
EBITDAN/A 
Income available to common (ttm)$1.90M
Profitability
Profit Margin (ttm)16.1%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.24%
Return on Equity (ttm)10.84%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0.04 
Total Cash (mrq)$3.78M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

Market Guide offers more in-depth Company Research, Stock Screening, and Hottest Stocks and Industries on over 10,000 U.S. Equities.


Copyright © 2001 Yahoo! Inc. All Rights Reserved. Privacy Policy - Terms of Service
Company information Copyright Market Guide. Historical chart data and daily updates provided by Commodity Systems, Inc. (CSI). Data and information is provided for informational purposes only, and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as Market Guide, CSI, etc.) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon.