CZFS vs HSBC: Which Is the Better Dividend Stock?
As of September 2026, CZFS (Citizens Financial Services, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. HSBC offers the higher yield at 3.68%, CZFS has the higher dividend-safety score, and CZFS trades at the larger discount to fair value (+102%).
| Metric | CZFS | HSBC |
|---|---|---|
| Forward yield | 2.51% | 3.68% |
| Annual dividend | $2.04 | $3.75 |
| Payout ratio | 24% | 54% |
| Years of growth | 4 yr | 0 yr |
| 5-yr dividend growth | 1.2% | -13.8% |
| 5-yr total return | 36% | 239% |
| Dividend safety score | 84 (A) | 72 (B) |
| Fair value estimate | $164.58 | $138.49 |
| Upside to fair value | +102% | +36% |
| Frequency | quarterly | quarterly |
| Market cap | $391.3M | $348.5B |
| P/E ratio | 9.5 | 14.5 |
Higher yield
HSBC
3.68%
Safer dividend
CZFS
Grade A
Faster growth
CZFS
1.2%
Better value
CZFS
+102% upside
CZFS vs HSBC — FAQ
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