Citizens Financial Services, Inc.
CZFSFinancial Services · Stock · quarterly payer
Forward Yield
3.00%
Annual Dividend
$2.04
Payout Ratio
24%
5-Yr Growth
2.2%
Ex-Date
Jun 12, 2026
Frequency
Quarterly
Is CZFS a good dividend stock?
YesCitizens Financial Services, Inc. (CZFS) pays a quarterly dividend yielding 3.00% ($2.04/yr), with 12 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
- 12 consecutive years of dividend growth
- Comfortable payout ratio (24%)
- Top-tier dividend safety score
Risks
- Cut its dividend in 2008
Key Data
- Dividend Yield
- 3.00%
- Payout Ratio
- 24%
- Annual Dividend
- $2.04
- 5-Yr Avg Growth
- 2.2%
- Ex-Dividend Date
- Jun 12, 2026
- Years of Growth
- 12
- Frequency
- quarterly
- Beta
- 0.40
- Market Cap
- $326.3M
- P/E Ratio
- 8.3
- 5-Yr Total Return
- 7%
- 52-Week Range
- $49.99 – $69.58
- Dividend Safety
- A · 86/100
- Ever Cut?
- Yes (2008)
Frequently Asked Questions
CZFS Price — Last 12 Months
Daily close
Price Return
1 Year
+11%
3 Years
-11%
5 Years
+7%
52-Week Range
$49.99 – $69.58
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CZFS worth?
Fairly valuedlow confidenceOur blended fair-value estimate for Citizens Financial Services, Inc. is $70.11 per share, versus a market price of $67.51. That implies the stock is roughly fairly priced.
Fair Value
$70.11
Current Price
$67.51
Gap
+4%
Margin of Safety
4%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
At today's price, the market is pricing in about -10.0% 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, $8.19 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 |
|---|---|---|---|
| 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 |
| Mar 9, 2023 | — | $0.4754 | regular |
| Dec 15, 2022 | — | $0.4705 | regular |
Income Calculator
At $2.04 / yr per share
