Is Citizens Financial Services, Inc. a good dividend stock?

Citizens Financial Services, Inc. (CZFS) is a dividend-paying stock with a current dividend yield of 2.74%. Review its dividend history, payout consistency and growth to judge whether it fits your income strategy.

What is CZFS's dividend yield?

The dividend yield for CZFS stock is currently 2.74%.

How much does CZFS pay in dividends per year?

Citizens Financial Services, Inc. pays an annual dividend of $2.0100 per share over the trailing twelve months.

How often does CZFS pay dividends?

CZFS stock pays dividends quarterly.

Is CZFS's dividend growing?

Citizens Financial Services, Inc.'s 3-year dividend CAGR is 1.36%.

CZFS Stock Price, Chart, Stats & News

Citizens Financial Services, Inc.

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Overview Dividend safety Dividends Fundamentals

Citizens Financial Services, Inc. (CZFS) is a dividend-paying stock with a current dividend yield of 2.74% as of Jun 30, 2026. It pays $2.01 per share over the trailing twelve months and distributes quarterly. Its dividend has grown at a 1.72% 5-year compound annual rate.

352.83M

Market cap

8.97x

Current P/E

9.27x

Forward P/E

2.74%

Dividend yield

$2.01

CZFS dividend

Dividend safety

Strong

Dividend coverage looks healthy — CZFS pays out about 25% of earnings.

See the safety analysis

CZFS chart

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Fundamentals

Gross margin	63.36%
Operating margin	26.00%
Pretax margin	26.00%
Net margin	21.09%
Effective tax rate	18.89%
ROA	1.19%
ROE	11.36%
D/E	0.92x
Interest coverage ratio	0.74x

All financials

CZFS valuation

P/E	8.97x
P/S	1.67x
P/B	0.86x
P/CF	7.92x
P/FCF	8.31x
P/OCF	7.92x
PEG	1.06x
EV multiple	0.33x

About

Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans.