Citizens Financial Services, Inc.
CZFSFinancial Services · Stock · quarterly payer
Forward Yield
2.51%
Annual Dividend
$2.04
Payout Ratio
24%
5-Yr Growth
1.2%
Ex-Date
Sep 11, 2026
Frequency
Quarterly
Summary
As of September 2026, Citizens Financial Services, Inc. (CZFS) yields 2.51% ($2.04 per share annually), with a blended fair-value estimate of $164.58 — +102% upside, so it screens as undervalued. Dividend safety grade: A (84/100). 4 years of dividend growth.
Is CZFS a good dividend stock?
YesCitizens Financial Services, Inc. (CZFS) pays a quarterly dividend yielding 2.51% ($2.04/yr), with 4 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (24%)
- Top-tier dividend safety score
Risks
- Cut its dividend in 2008
Key Data
- Dividend Yield
- 2.51%
- Payout Ratio
- 24%
- Annual Dividend
- $2.04
- 5-Yr Avg Growth
- 1.2%
- Ex-Dividend Date
- Sep 11, 2026
- Years of Growth
- 4
- Frequency
- quarterly
- Beta
- 0.38
- Market Cap
- $391.3M
- P/E Ratio
- 9.5
- 5-Yr Total Return
- 36%
- 52-Week Range
- $52.35 – $84.65
- Dividend Safety
- A · 84/100
- Ever Cut?
- Yes (2008)
Frequently Asked Questions
CZFS Price — Last 12 Months
Daily close
Price Return
1 Year
+48%
3 Years
+66%
5 Years
+36%
52-Week Range
$52.35 – $84.65
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CZFS worth?
Undervaluedlow confidenceOur blended fair-value estimate for Citizens Financial Services, Inc. is $164.58 per share, versus a market price of $81.35. That implies 102% of upside — a margin of safety of about 51%.
Fair Value
$164.58
Current Price
$81.35
Upside
+102%
Margin of Safety
51%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
At today's price, the market is pricing in about 4.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $8.55 EPS, $2.04 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CZFS Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Sep 11, 2026 | — | $0.5100 | regular |
| Jun 12, 2026 | — | $0.5100 | regular |
| Mar 13, 2026 | — | $0.5000 | regular |
| Dec 12, 2025 | — | $0.5000 | regular |
| Sep 12, 2025 | — | $0.5000 | regular |
| Jun 13, 2025 | — | $0.4900 | regular |
| Mar 14, 2025 | — | $0.4950 | regular |
| Dec 13, 2024 | — | $0.4900 | regular |
| Sep 13, 2024 | — | $0.4900 | regular |
| Jun 14, 2024 | — | $0.4850 | regular |
| Mar 14, 2024 | — | $0.4851 | regular |
| Dec 14, 2023 | — | $0.4851 | regular |
| Sep 14, 2023 | — | $0.4851 | regular |
| Jun 8, 2023 | — | $0.4802 | regular |
Income Calculator
At $2.04 / yr per share
