Trailing Dividend / Share
$1.99
Citizens Financial Services, Inc. (CZFS) Dividend History
Income profile from 1997 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.9%
Payout Ratio
26.1%
Sustainable
Dividend Streak
4 years
CZFS Dividend Income Check
Safety
26.1% payout ratio with sustainable safety profile.
Consistency
4 straight years of dividend increases.
Income Trend
Yield on cost is 3.8% and trend is rising.
CZFS Dividend Scorecard
Yield & Income
Dividend Yield2.9%
Trailing DPS$1.99
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout26.1%
Earnings SafetySustainable
FCF Payout27.4%
FCF SafetyWell Covered
Piotroski F-Score5/9
Growth
Growth Streak4 years
3Y CAGR2.1%
5Y CAGR1.2%
Yield on Cost (5Y)3.8%
YOC Trendrising
Total Returns
Buyback Yield0.2%
Total Shareholder Yield3.1%
1Y Total Return22.4%
5Y Total Return29.2%
Div Contribution (5Y)16.1%
Estimated $10K growth (return + dividends):
5Y ago$12,92310Y ago$20,92220Y ago$46,555
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
CZFS Income Growth Story
Dividend per share and yield on cost over time (30 years of payments)
CZFS Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Citizens Financial Services, Inc. distributes 26.1% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 27.4%, rated "Well Covered".
Piotroski F-Score: 5/9 — moderate financial health.
Growth Track Record
CZFS has raised its dividend for 4 consecutive years, with a 3-year CAGR of 2.1% and 5-year CAGR of 1.2%.
Total Shareholder Returns
Beyond cash dividends, CZFS returns capital through share repurchases. The combined picture: 2.9% dividend yield, 0.2% buyback yield, 3.1% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.8% and is currently rising. The 5-year total return is 29.2%, with dividends contributing 16.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $20,922 today.
CZFS Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$9.66
Avg/Payment$0.4828
Latest Change+2.0%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 12, 2026Latest | $0.5100 | ↑ +2.0% | 2.89% | Jun 26, 2026 |
| Mar 13, 2026 | $0.5000 | — | 3.38% | Mar 27, 2026 |
| Dec 12, 2025 | $0.5000 | — | 3.25% | Dec 26, 2025 |
| Sep 12, 2025 | $0.5000 | ↑ +1.0% | 3.06% | Sep 26, 2025 |
| Jun 13, 2025 | $0.4950 | — | 3.56% | Jun 27, 2025 |
| Mar 14, 2025 | $0.4950 | ↑ +1.0% | 3.49% | Mar 28, 2025 |
| Dec 13, 2024 | $0.4900 | — | 2.85% | Dec 27, 2024 |
| Sep 13, 2024 | $0.4900 | ↑ +1.0% | 3.53% | Sep 27, 2024 |
CZFS Dividend vs Peers
Comparable companies in the same industry
#3 yield in peer group
Div Yield
2.9%
#3 of 8
Safety
Sustainable
26.1% payout
Streak
4Y
1.2% 5Y CAGR
Total Shareholder
3.1%
#5 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd CZFSCitizens Financial S… | $327M | 2.9% | 26.1% | 4 | Sustainable |
 FXNCFirst National Corpo… | $265M | 2.1% | 31.2% | 11 | Sustainable |
 FUNCFirst United Corpora… | $277M | 2.2% | 24.3% | 7 | Sustainable |
2nd  NKSHNational Bankshares,… | $225M | 4.3% | 60.7% | 0 | Watch |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
1st  FMNBFarmers National Ban… | $556M | 4.8% | 46.7% | 0 | Sustainable |
 MNSBMainStreet Bancshare… | $176M | 1.7% | 19.5% | 0 | Sustainable |
 CHMGChemung Financial Co… | $341M | 1.9% | 41.9% | 1 | Sustainable |
CZFS Annual Dividend History (1993–2026)
34 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $1.01 | — | 2 | — | — | — | 1.9% |
| 2025 | $1.99 | 2.0% | 4 | $7.62 | 26.1% | 3.83x | 3.8% |
| 2024 | $1.95 | 1.3% | 4 | $5.79 | 33.7% | 2.97x | 3.8% |
| 2023 | $1.93 | 3.1% | 4 | $3.98 | 48.4% | 2.07x | 3.7% |
| 2022 | $1.87 | 3.2% | 4 | $7.10 | 26.3% | 3.80x | 3.6% |
| 2021 | $1.81 | -3.4% | 4 | $7.09 | 25.5% | 3.92x | 3.5% |
| 2020 | $1.87 | 7.8% | 4 | $6.27 | 29.9% | 3.35x | 3.6% |
| 2019 | $1.74 | 3.3% | 4 | $5.26 | 33.0% | 3.03x | 3.4% |
| 2018 | $1.68 | 3.6% | 4 | $4.84 | 34.7% | 2.88x | 3.2% |
| 2017 | $1.62 | 1.2% | 4 | $3.49 | 46.5% | 2.15x | 3.1% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
29+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
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CZFS — Frequently Asked Questions
Quick answers to the most common questions about buying CZFS stock.
How much dividend does CZFS pay per share?
Citizens Financial Services, Inc. (CZFS) pays a trailing 12-month dividend of $1.99 per share, with a current dividend yield of +2.9%. Payments are made Semi-Annual.
When is CZFS's next ex-dividend date?
CZFS's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. CZFS typically pays dividends Semi-Annual.
Is CZFS's dividend safe?
CZFS's dividend safety is rated "Sustainable" based on an earnings payout ratio of +26.1% and FCF payout ratio of +27.4%. The 4-year growth streak provides moderate confidence.
Is CZFS a Dividend Payer?
Yes, Citizens Financial Services, Inc. is classified as a Dividend Payer with 4 consecutive years of dividend increases. The 5-year dividend CAGR is +1.2%, demonstrating modest dividend growth.
How often does CZFS pay dividends?
Citizens Financial Services, Inc. pays dividends Semi-Annual. The trailing 12-month total is $1.99 per share. Dividend data on this page covers 29+ years from 1997 to 2026.
How much would $10,000 invested in CZFS grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in CZFS five years ago would be worth approximately $12,923 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is CZFS's yield on cost for long-term holders?
CZFS's yield on cost — the current dividend divided by the original purchase price — is +3.8% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.9% market yield, thanks to consistent dividend growth.