Stock CIWV CITIZENS FINANCIAL CORP.
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Financials Citizens Financial Corp.

Equities

CIWV

US17461K1016

Banks

Market Closed - OTC Markets
Other stock markets
 02:58:27 2024-04-17 pm EDT 		5-day change 1st Jan Change
19.5 USD -2.50% Intraday chart for Citizens Financial Corp. 0.00% -7.14%
Jan. 15 Citizens Financial Corp. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023 CI
2023 Citizens Financial Corp. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2020 2021 2022 2023
Capitalization 1 25.8 34.54 31.9 37.34
Enterprise Value (EV) 1 1.786 -29.98 33.83 52.11
P/E ratio 5.97 x 5.93 x 4.87 x 5.98 x
Yield 4.21% 3.51% 4.44% 4%
Capitalization / Revenue 1.69 x 2.03 x 1.64 x 1.82 x
EV / Revenue 0.12 x -1.76 x 1.74 x 2.54 x
EV / EBITDA - - - -
EV / FCF - - - -
FCF Yield - - - -
Price to Book 0.81 x 0.94 x 0.88 x 0.86 x
Nbr of stocks (in thousands) 1,779 1,780 1,772 1,778
Reference price 2 14.50 19.40 18.00 21.00
Announcement Date 2/23/22 2/23/22 2/22/23 3/6/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023
Net sales 1 15.28 17.01 19.47 20.54
EBITDA - - - -
EBIT - - - -
Operating Margin - - - -
Earnings before Tax (EBT) 1 5.414 7.295 8.232 7.799
Net income 1 4.31 5.793 6.539 6.241
Net margin 28.21% 34.06% 33.58% 30.38%
EPS 2 2.428 3.270 3.697 3.513
Free Cash Flow - - - -
FCF margin - - - -
FCF Conversion (EBITDA) - - - -
FCF Conversion (Net income) - - - -
Dividend per Share 2 0.6100 0.6800 0.8000 0.8400
Announcement Date 2/23/22 2/23/22 2/22/23 3/6/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023
Net Debt 1 - - 1.93 14.8
Net Cash position 1 24 64.5 - -
Leverage (Debt/EBITDA) - - - -
Free Cash Flow - - - -
ROE (net income / shareholders' equity) - 17% 18% 15.7%
ROA (Net income/ Total Assets) - 1.42% 1.2% 1%
Assets 1 - 408.3 542.8 621.5
Book Value Per Share 2 18.00 20.50 20.50 24.30
Cash Flow per Share 2 20.40 55.50 16.40 6.310
Capex 1 0.23 0.49 0.62 1.8
Capex / Sales 1.51% 2.86% 3.17% 8.77%
Announcement Date 2/23/22 2/23/22 2/22/23 3/6/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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