55.82
+1.31%
Close of 9 Nov 2026, in USD
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About Citizens Financial Corp (Delaware)
Its shares trade under the ticker CIWV. It has been listed since 11 April 1994. In the fiscal year to 31 December 2025, it reported revenue before interest expense of $44.3m and net income of $10.2m. At that date it held total assets of $704.6m and shareholders' equity of $61.8m.
Citizens Financial Corp. is a bank holding company, which engages in the provision of financial services. The company is headquartered in Elkins, West Virginia. The firm's bank subsidiary, Citizens Bank of West Virginia, Inc. (the bank), provides retail, secondary market and commercial loan services, as well as deposit, trust and brokerage services to customers in Randolph, Tucker, and Pocahontas Counties of West Virginia and nearby areas. The Bank offers personal and business banking, mortgage and other services. Its personal banking services include checking, savings, certificate of deposits (CDs), individual retirement accounts (IRAs), loans, trust services, investment services, online banking, mobile banking, mobile deposit, bill pay and telephone banking. Its business banking services include checking, savings, CDs, IRAs, commercial loans, investment services, credit card processing, online banking, mobile banking, bill pay and telephone banking. Its other services include recorder checks, debit cards, wire transfers, safe deposit boxes, forms and documents, and identity theft.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 11 Apr 1994
- Employees
- 84
Leadership
Pay as last reported
- Max ArmentroutChairman of the Board
- Robert SchoonoverPresident, Chief Executive Officer of the Company and the Bank; Director, since 1998$66,754
- Cyrus KumpVice Chairman of the Board
- Mr. Eric AboafChief Financial Officer, Executive Vice President
- Thomas DerbyshireVice President and Treasurer; Executive Vice President, SVP of Citizens National Bank$109,840
- Mr William JohnsonVice President, Director; Presiden,CEO, Executive Vice President of Citizens National Bank, since 2005$177,943
- Nathaniel BonnellVice President and Chief Financial Officer of the Bank
- Rudy TorjakSenior Vice President, and Chief Credit Officer, Citizens National Bank
- Robert AldayDirector
- William BrownDirector
- Edward CampbellDirector
- L. WilliamsDirector
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Citizens Financial Corp boasts a robust corporate culture that promotes innovation, collaboration, and employee engagement. This culture fosters a positive work environment and enhances the company's ability to attract and retain top talent.
- With a wide range of financial products and services, Citizens Financial Corp is able to cater to the diverse needs of its customer base. This diversity strengthens the company's competitive advantage and helps drive revenue growth.
- Citizens Financial Corp consistently demonstrates strong financial performance, with steady revenue growth and profitability. This provides the company with a solid foundation for future expansion and investment.
- With a long-standing presence in the financial industry, Citizens Financial Corp has built a strong reputation and established relationships with a large customer base. This enables the company to leverage its brand recognition and expand its market share.
Weaknesses
- Citizens Financial Corp is primarily focused on a specific geographic region, which exposes it to potential risks associated with local economic conditions. Diversifying its market presence could mitigate this vulnerability.
- Compared to some of its competitors, Citizens Financial Corp has limited international operations, which restricts its growth opportunities in global markets. Expanding into new territories could enhance the company's revenue streams.
Opportunities
- The increasing adoption of digital banking presents an opportunity for Citizens Financial Corp to invest in advanced technology platforms and provide innovative digital solutions. This can help the company attract tech-savvy customers and improve operational efficiency.
- Citizens Financial Corp can explore strategic acquisitions to expand its market presence and diversify its product offerings. This approach can help the company enter new markets, gain competitive advantages, and achieve economies of scale.
Threats
- The financial services industry is highly competitive, with numerous established players and emerging fintech firms. Citizens Financial Corp must continuously innovate and differentiate itself to withstand competitive pressure and retain its market share.
- As a financial institution, Citizens Financial Corp is subject to extensive regulatory requirements. Adhering to these regulations, managing compliance risks, and staying updated with changing laws are crucial to avoid penalties and reputational damage.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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