Citizens Financial Services, Inc.
CZFSFinancial Services · Stock · quarterly payer
$64.19
Add to PortfolioForward Yield
3.12%
Annual Dividend
$2.00
Payout Ratio
24%
5-Yr Growth
2.2%
Ex-Date
Mar 13, 2026
Frequency
Quarterly
CZFS Dividend Safety Score
86/ 100
Grade A
Very Safe
Dividend-growth streak12 consecutive years of growth
Cut historyCut its dividend in 2008
Earnings payout coverage24% of earnings paid out
Yield vs its historyYield in line with its history
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
Is CZFS a good dividend stock?
YesCitizens Financial Services, Inc. (CZFS) pays a quarterly dividend yielding 3.12% ($2.00/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
- 3.12%
- Payout Ratio
- 24%
- Annual Dividend
- $2.00
- 5-Yr Avg Growth
- 2.2%
- Ex-Dividend Date
- Mar 13, 2026
- Years of Growth
- 12
- Frequency
- quarterly
- Beta
- 0.40
- Market Cap
- $308.4M
- P/E Ratio
- 7.8
- 5-Yr Total Return
- 5%
- 52-Week Range
- $49.99 – $69.58
- Dividend Safety
- A · 86/100
- Ever Cut?
- Yes (2008)
Frequently Asked Questions
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 $2.00 / yr per share
Per payment (quarterly)$50.00
Annual$200.00
Monthly avg$16.67
