| Company Name: | First West Virginia Bancorp, Inc. | | Ticker Symbol: | FWV | | | WWW Address: | www.snl.com/irweblinkx/corpo... | | CEO: | Sylvan J. Dlesk | | No. of Employees: | 98 | | Common Issue Type: | CS | | Business Description: | A holding company for Progressive Bank, N.A., which provides various consumer and commercial banking products and services to individuals, businesses, professionals, and governments in West Virginia and Ohio.
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| | | Industry Information: | BANKING - Regional - Mid-Atlantic Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 11.7 |  0.2 | 10.62 | 11.9 | 11.5 | 11.70 | 11.50 | 800 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 18.7 | 1.6 | 0.24 | 1.39 | 0.74 | 6.5 | 6.5 | 14.75 - 8.42 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 11.70 | $ | | PE Ratio - LTM | 6.5 | |
| Market Capitalisation | 18.6 | mil |
| Latest Shares Outstanding | 1.6 | mil |
| Earnings pS (EPS) | 1.39 | $ |
| Dividend pS (DPS) | 0.74 | ¢ |
| Dividend Yield | 6.5 | % |
| Dividend Payout Ratio | 53 | % |
| Revenue per Employee | 153,082 | $ |
| Effective Tax Rate | 18.9 | % |
| Float | 1.2 | mil |
| Float as % of Shares Outstanding | 73.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 49.0 | % |
| Pre-Tax Profit Margin | 17.0 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.8 | % |
| Return on Equity (ROE) | 6.7 | % |
| Return on Capital Invested (ROCI) | 5.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 8.8 | |
| Interest Cover | 1.5 | |
| Total Debt/Equity (Gearing Ratio) | 0.24 | |
| LT Debt/Total Capital | 19.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 19.48 | $ |
| Tangible Book-Value pS | 18.45 | $ |
| Cash Flow pS | 1.31 | $ |
| Free Cash Flow pS | 1.53 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.60 | |
| Price/Tangible Book Ratio | 0.63 | |
| Price/Cash Flow | 9.0 | |
| Price/Free Cash Flow | 7.7 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 11/17/2009 |
| Dividend Ex-Date | 11/26/2009 |
| Dividend Record Date | 11/30/2009 |
| Dividend Pay Date | 12/14/2009 |
| Dividend Amount | 190 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.76 |
| Current Dividend Yield | 6.5 |
| 5-Y Average Dividend Yield | 4.3 |
| Payout Ratio | 53.0 |
| 5-Y Average Payout Ratio | 52.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.7 | 100 | 5 | 8 |
| 4 Weeks | 12.70 | 11.38 | 12.05 | -2.9 | 91 | 3 | 48 |
| 13 Weeks | 12.80 | 11.35 | 12.11 | -3.4 | 90 | 4 | 211 |
| 26 Weeks | 13.41 | 10.06 | 12.17 | -3.8 | 80 | 4 | 537 |
| 52 Weeks | 14.75 | 8.42 | 13.75 | -14.9 | 69 | 5 | 1,122 |
| YTD | 13.41 | 8.42 | - | -10.6 | 73 | 5 | 1,034 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 11.64 | 11.85 | 12.05 | 11.72 | 11.48 | 0.24 | 0.22 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 0.25 | 5.6 | -1.07 |
| Income | -0.51 | 0.6 | 13.29 |
| Dividend | 0.52 | 52.3 | 1.02 |
| Capital Spending | 18.03 | NA | -14.10 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -4.22 | NA | 4.76 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -4.2 | -5.6 | -0.8 |
| Earnings % | -7.9 | -10.3 | 8.3 |
| EPS % | 70.2 | 57.9 | 8.6 |
| EPS $ | 0.40 | 0.11 | 0.11 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 0.54 |
| Free Cash Flow Margin 5YEAR AVG | 5.52 |
| Cash-Flow pS | 1.01 |
| Free Cash-Flow pS | 0.05 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 8.98 |
| Debt Ratio | 88.87 |
| Total Debt/Equity (Gearing Ratio) | 0.38 |
| LT Debt/Equity | 0.38 |
| LT Debt/Capital Invested | 27.55 |
| LT Debt/Total Liabilities | 4.76 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.43 |
| Tobin's Q Ratio | 0.07 |
| Current P/E Ratio - LTM | 6.50 |
| Enterprise Value (EV)/EBITDA | 0.02 |
| Enterprise Value (EV)/Free Cash Flow | 5.62 |
| Dividend Yield | 6.5 |
| Price/Tangible Book Ratio - LTM | 0.63 |
| Price/Book Ratio - LTM | 0.60 |
| Price/Cash Flow Ratio | 9.0 |
| Price/Free Cash Flow Ratio - LTM | 7.7 |
| P/E Ratio (1 month ago) - LTM | 6.9 |
| P/E Ratio (26 weeks ago) - LTM | 7.3 |
| P/E Ratio (52 weeks ago) - LTM | 11.0 |
| 5-Y High P/E Ratio | 16.3 |
| 5-Y Low P/E Ratio | 9.2 |
| 5-Y Average P/E Ratio | 12.3 |
| Current P/E Ratio as % of 5-Y Average P/E | 53 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 6.5 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 18.45 |
| Book Value pS - LTM | 19.48 |
| Capital Invested pS | 24.96 |
| Cash Flow pS - LTM | 1.31 |
| Free Cash Flow pS - LTM | 1.53 |
| Earnings pS (EPS) | 1.39 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 7.67 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.7 |
| Return on Capital Invested (ROCI) | 5.56 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 7.2 |
| Return on Assets (ROA) | 0.85 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | 49.0 |
| EBITDA Margin - LTM | 49.0 |
| Pre-Tax Profit Margin | 32.99 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 32.35 |
| Net Profit Margin | 26.77 |
| Net Profit Margin - 5YEAR AVRG. | 25.85 |
| Effective Tax Rate | 18.86 |
| Effective Tax Rate - 5YEAR AVRG. | 19.96 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 148,227 |
| Net Income per Employee - LTM | 21,166 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,010.15 |
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