CIWV
Citizens Financial Corp.
OTC Markets OTCIDUSDEQUITY
Financial Services
DELAYED
Buy
+48/100
Last price
49.75
▲ 0.15 (0.30%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
49.52
Prev close
49.60
Day high
49.75
Day low
49.52
Volume
700
Market cap
$89.27M
P/E (TTM)
7.33
52W range
30.85 – 52.00
Day trading desk
Gap from prior close
-0.16%
Prior close 49.60
VWAP
49.75
0.00% from price
Relative volume
0.14×
Quiet session
Session range
0.46%
49.52 – 49.75
Position in range
100%
Near session high
ATR (14D)
0.59
1.19% of price
Prior day high
49.85
PDH
Prior day low
49.60
PDL
Bid / ask spread
—
Quote not published
Session volume
100
Avg 696
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.18%
-1.7%
1M
+2.81%
+1.3%
3M
+9.34%
+5.9%
6M
+18.45%
+3.5%
YTD
+51.91%
+37.9%
1Y
+44.20%
+28.5%
3Y
+126.14%
+44.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CIWV open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap$89.27M
Enterprise value—
Revenue (TTM)$32.98M
Gross profit$32.98M
EBITDA—
Net income$12.20M
EPS (TTM)$6.79
Free cash flow—
Total cash—
Total debt—
Book value / share$34.56
Shares outstanding1.70M
Float—
Short % of float—
Dividend yield2.41%
Beta (5Y)0.24
Valuation & profitability ratios
Trailing P/E7.33
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.44
EV / revenue—
EV / EBITDA—
Gross margin0.00%
Operating margin51.08%
Profit margin36.99%
Return on equity—
Return on assets—
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $30.93M | $25.98M | $21.91M | $20.02M | +19.1% |
| Operating revenue | $30.93M | $25.98M | $21.91M | $20.02M | +19.1% |
| Selling, general & admin | $625.06K | $414.39K | $286.12K | $366.75K | +50.8% |
| Total operating expense | $15.91M | $14.24M | $12.91M | $11.24M | +11.7% |
| Pre-tax income | $13.00M | $9.52M | $7.80M | $8.23M | +36.5% |
| Tax provision | $2.82M | $1.98M | $1.56M | $1.69M | +42.6% |
| Net income | $10.18M | $7.54M | $6.24M | $6.54M | +34.9% |
| Net income to common | $10.18M | $7.54M | $6.24M | $6.54M | +34.9% |
| Basic EPS | 5.68 | 4.22 | 3.51 | 3.69 | +34.6% |
| Diluted EPS | 5.68 | 4.22 | 3.51 | 3.69 | +34.6% |
| Basic shares | 1.70M | 1.71M | 1.71M | 1.70M | -0.5% |
| Diluted shares | 1.70M | 1.71M | 1.71M | 1.70M | -0.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $45.00M | $18.36M | $11.22M | $29.11M | +145.1% |
| Property, plant & equipment | $8.08M | $8.12M | $7.43M | $6.03M | -0.6% |
| Goodwill & intangibles | $4.03M | $4.28M | $4.54M | $4.79M | -5.9% |
| Total assets | $704.63M | $666.71M | $651.86M | $591.03M | +5.7% |
| Total debt | $16.91M | $19.51M | $22.06M | $16.00M | -13.3% |
| Total liabilities | $642.81M | $615.35M | $608.70M | $554.76M | +4.5% |
| Retained earnings | $63.53M | $55.15M | $49.18M | $44.44M | +15.2% |
| Shareholder equity | $61.81M | $51.36M | $43.15M | $36.27M | +20.4% |
| Net tangible assets | $57.79M | $47.07M | $38.62M | $31.48M | +22.8% |
| Shares issued | 2.34M | 2.34M | 2.32M | 2.32M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $10.18M | $7.54M | $6.24M | $6.54M | +34.9% |
| Depreciation & amortisation | $736.21K | $716.05K | $650.98K | $602.51K | +2.8% |
| Stock-based compensation | $151.74K | $125.88K | $120.81K | $61.69K | +20.5% |
| Change in working capital | -$204.03K | $111.72K | -$576.54K | -$675.83K | -282.6% |
| Operating cash flow | $12.93M | $10.43M | $7.56M | $7.27M | +24.0% |
| Capital expenditure | -$435.66K | -$1.16M | -$1.80M | -$618.12K | +62.3% |
| Investing cash flow | -$11.52M | -$8.40M | -$77.51M | -$171.89M | -37.2% |
| Share buybacks | -$75.68K | -$2.90K | -$33.47K | -$87.38K | -2,513.3% |
| Dividends paid | -$1.79M | -$1.57M | -$1.46M | -$1.42M | -14.1% |
| Financing cash flow | $25.23M | $5.12M | $52.05M | $95.40M | +393.1% |
| Free cash flow | $12.50M | $9.27M | $5.76M | $6.66M | +34.8% |
| End cash position | $45.00M | $18.36M | $11.22M | $29.11M | +145.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $9.37M | $10.06M | $8.39M | $7.47M | $7.23M | -6.9% |
| Operating revenue | $9.37M | $10.06M | $8.39M | $7.47M | $7.23M | -6.9% |
| Total operating expense | $4.34M | $5.02M | $4.43M | $3.76M | $3.66M | -13.7% |
| Pre-tax income | $4.53M | $3.99M | $3.29M | $3.26M | $3.13M | +13.6% |
| Tax provision | $1.01M | $477.00K | $735.40K | $703.00K | $680.00K | +112.6% |
| Net income | $3.52M | $3.51M | $2.56M | $2.56M | $2.44M | +0.2% |
| Net income to common | $3.52M | $3.51M | $2.56M | $2.56M | $2.44M | +0.2% |
| Basic EPS | 1.95 | 1.95 | — | 1.43 | 1.36 | 0.0% |
| Diluted EPS | 1.95 | 1.95 | — | 1.43 | 1.36 | 0.0% |
| Basic shares | 1.80M | 1.80M | — | 1.79M | 1.80M | +0.2% |
| Diluted shares | 1.80M | 1.80M | — | 1.79M | 1.80M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | $45.00M | — | — | — |
| Property, plant & equipment | — | — | $8.08M | — | — | — |
| Goodwill & intangibles | — | — | $4.03M | — | — | — |
| Total assets | $772.47M | $775.09M | $704.63M | $682.47M | $687.05M | -0.3% |
| Total debt | — | — | $16.91M | — | — | — |
| Total liabilities | $704.62M | — | — | — | — | — |
| Retained earnings | — | — | $63.53M | — | — | — |
| Shareholder equity | $67.84M | $65.00M | $61.81M | $56.38M | $54.06M | +4.4% |
| Net tangible assets | $67.84M | $65.00M | $57.79M | $56.38M | $54.06M | +4.4% |
| Shares issued | 2.35M | 2.35M | 2.34M | 1.78M | 1.78M | -0.0% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions1.31%
Institutions holding1
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
50.02
-0.54% from price
SMA 20
49.40
+0.70% from price
SMA 50
48.54
+2.49% from price
SMA 100
47.46
+4.82% from price
SMA 200
43.26
+14.99% from price
EMA 12
49.62
+0.27% from price
EMA 26
49.23
+1.06% from price
EMA 50
48.59
+2.38% from price
RSI (14)
57.5
Neutral
MACD (12,26,9)
0.39
Hist -0.06
ATR (14)
0.59
1.19% of price
Realised vol 30D
17.5%
Annualised
Bollinger upper
51.09
20, 2σ
Bollinger lower
47.72
20, 2σ
50 / 200 cross
Golden
48.54 vs 43.26
Trend bias
Above 200
+14.99%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.07
Less volatile than market
Correlation to SPY
0.03
Largely independent
Realised vol 30D
17.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-18.5%
Peak to trough
Max drawdown 5Y
-25.5%
Peak to trough
ATR 14
0.59
1.19% of price
Beta (reported)
0.24
5Y monthly, from filing
Dividends & splits
Forward rate$1.20 / yr
Forward yield2.41%
5-year avg yield3.41%
Payout ratio15.32%
Ex-dividend dateJul 17, 2026
Next pay dateApr 29, 2026
Last split3:1
Split dateApr 17, 2006
Headlines
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