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CZFS DRIP Calculator & Dividend Yield 2026
2.39% YieldFinancial ServicesCitizens Financial Services, Inc. · NASDAQ
Price: $84.59 · Annual div: $2.02/share · Frequency: quarterly · Payout ratio: 27% · Ex-div: 2026-09-11
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Annual dividend income growth
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🎯 When CZFS pays your bills
Year your monthly dividend income covers each expense (based on current settings)
CZFS Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-09-11Latest | 2026-09-25 | $0.5100 | 3.15% | $79.90 |
| 2026-06-12 | 2026-06-26 | $0.5100 | 3.85% | $65.03 |
| 2026-03-13 | 2026-03-27 | $0.5000 | 4.10% | $60.71 |
| 2025-12-12 | 2025-12-26 | $0.5000 | 4.54% | $54.66 |
| 2025-09-12 | 2025-09-26 | $0.5000 | 4.13% | $59.84 |
| 2025-06-13 | 2025-06-27 | $0.4950 | 4.11% | $59.72 |
| 2025-03-14 | 2025-03-28 | $0.4950 | 3.41% | $57.47 |
| 2024-12-13 | 2024-12-27 | $0.4900 | 2.78% | $70.25 |
| 2024-09-13 | 2024-09-27 | $0.4900 | 3.84% | $50.69 |
| 2024-06-14 | 2024-06-28 | $0.4852 | 4.63% | $41.92 |
| 2024-03-14 | 2024-03-29 | $0.4852 | 4.31% | $44.92 |
| 2023-12-14 | 2023-12-29 | $0.4852 | 4.18% | $57.35 |
| 2023-09-14 | 2023-09-29 | $0.4852 | 4.36% | $54.57 |
| 2023-06-08 | 2023-06-30 | $0.4802 | 3.12% | $75.62 |
| 2023-03-09 | 2023-03-31 | $0.4754 | 2.87% | $81.58 |
| 2022-12-15 | 2022-12-30 | $0.4705 | 2.64% | $70.85 |
| 2022-09-15 | 2022-09-30 | $0.4705 | 2.33% | $79.59 |
| 2022-06-09 | 2022-06-24 | $0.4656 | 3.57% | $64.06 |
| 2022-03-10 | 2022-03-25 | $0.4610 | 3.72% | $61.02 |
| 2021-12-15 | 2021-12-30 | $0.4562 | 3.17% | $57.18 |
| 2021-09-15 | 2021-09-30 | $0.4562 | 2.99% | $60.30 |
| 2021-06-10 | 2021-06-25 | $0.4465 | 3.85% | $58.04 |
| 2021-03-11 | 2021-03-26 | $0.4513 | 4.29% | $54.23 |
| 2020-12-14 | 2020-12-29 | $0.4465 | — | — |
| 2020-09-10 | 2020-09-25 | $0.4465 | — | — |
| 2020-06-11 | 2020-06-26 | $0.4416 | — | — |
| 2020-03-12 | 2020-03-27 | $0.5387 | — | — |
| 2019-12-12 | 2019-12-27 | $0.4368 | — | — |
| 2019-09-12 | 2019-09-27 | $0.4368 | — | — |
| 2019-06-13 | 2019-06-28 | $0.4319 | — | — |
| 2019-03-14 | 2019-03-29 | $0.4319 | — | — |
| 2018-12-13 | 2018-12-28 | $0.4145 | — | — |
| 2018-09-13 | 2018-09-28 | $0.4271 | — | — |
| 2018-06-14 | 2018-06-29 | $0.4222 | — | — |
| 2018-03-15 | 2018-03-30 | $0.4180 | — | — |
| 2017-12-14 | 2017-12-29 | $0.4132 | — | — |
| 2017-09-14 | 2017-09-29 | $0.4132 | — | — |
| 2017-06-14 | 2017-06-30 | $0.3892 | — | — |
| 2017-03-15 | 2017-03-31 | $0.4084 | — | — |
| 2016-12-14 | 2016-12-30 | $0.4036 | — | — |
| 2016-09-14 | 2016-09-30 | $0.4036 | — | — |
| 2016-06-21 | 2016-06-30 | $0.3988 | — | — |
| 2016-03-16 | 2016-03-24 | $0.3988 | — | — |
| 2015-12-16 | 2015-12-30 | $0.3940 | — | — |
| 2015-09-16 | 2015-09-25 | $0.4901 | — | — |
| 2015-06-17 | 2015-06-26 | $0.3892 | — | — |
| 2015-03-18 | 2015-03-27 | $0.3892 | — | — |
| 2014-12-11 | 2014-12-22 | $0.3844 | — | — |
| 2014-09-17 | 2014-09-26 | $0.9610 | — | — |
| 2014-06-18 | 2014-06-27 | $0.3661 | — | — |
| 2014-03-19 | 2014-03-28 | $0.3663 | — | — |
| 2013-12-17 | 2013-12-27 | $0.3663 | — | — |
| 2013-09-18 | 2013-09-27 | $0.2712 | — | — |
| 2013-06-19 | 2013-06-28 | $0.2579 | — | — |
| 2013-03-20 | 2013-03-29 | $0.2583 | — | — |
| 2012-12-19 | 2012-12-31 | $0.3443 | — | — |
| 2012-10-17 | 2012-10-26 | $0.2764 | — | — |
| 2012-07-18 | 2012-07-27 | $0.2691 | — | — |
| 2012-04-18 | 2012-04-27 | $0.2692 | — | — |
| 2012-01-18 | 2012-01-27 | $0.2647 | — | — |
| 2011-11-16 | 2011-11-25 | $0.0897 | — | — |
| 2011-10-19 | 2011-10-28 | $0.2422 | — | — |
| 2011-07-13 | 2011-07-29 | $0.2351 | — | — |
| 2011-04-13 | 2011-04-29 | $0.2377 | — | — |
| 2011-01-12 | 2011-01-28 | $0.2333 | — | — |
| 2010-11-24 | 2010-12-17 | $0.0673 | — | — |
| 2010-10-13 | 2010-11-05 | $0.2333 | — | — |
| 2010-07-14 | 2010-07-30 | $0.2261 | — | — |
| 2010-04-14 | 2010-04-30 | $0.2288 | — | — |
| 2010-01-13 | 2010-01-29 | $0.2243 | — | — |
| 2009-11-12 | 2009-12-10 | $0.0449 | — | — |
| 2009-10-14 | 2009-10-30 | $0.2243 | — | — |
| 2009-07-15 | 2009-07-31 | $0.2180 | — | — |
| 2009-04-15 | 2009-04-30 | $0.2176 | — | — |
| 2009-01-14 | 2009-01-30 | $0.2132 | — | — |
| 2008-11-12 | 2008-11-28 | $0.0444 | — | — |
| 2008-10-15 | 2008-10-31 | $0.2132 | — | — |
| 2008-07-09 | 2008-07-25 | $0.2070 | — | — |
| 2008-04-09 | 2008-04-25 | $0.2067 | — | — |
| 2008-01-10 | 2008-01-25 | $0.2023 | — | — |
About Citizens Financial Services, Inc. (CZFS) — Dividend Analysis 2026
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. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
Similar dividend stocks to CZFS
Forward dividend yield from the latest data · open any DRIP calculator
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🌍 CZFS Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CZFS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.39% | -0.41% | $239 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.03% | -0.77% | $203 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.91% | -0.89% | $191 / yr |
| 🇬🇧 UK ISA | 0% | 2.39% | -0.41% | $239 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.18% | -0.62% | $218 / yr |
| 🇨🇦 TFSA | 0% | 2.39% | -0.41% | $239 / yr |
| 🇨🇦 CA Taxable | 25% | 1.79% | -1.01% | $179 / yr |
| 🇦🇺 Super (pension) | 15% | 2.03% | -0.77% | $203 / yr |
| 🇦🇺 AU Taxable | 30% | 1.67% | -1.13% | $167 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.76% | -1.04% | $176 / yr |
| 🇫🇷 FR Taxable | 30% | 1.67% | -1.13% | $167 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CZFS Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.02/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CZFS Dividend Payment Schedule
CZFS pays quarterly — 4 times per year. Ex-div: 2026-09-11.
📊 CZFS vs Financial Services Benchmarks
How CZFS compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CZFS sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CZFS Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| G-Gift | 2026-09-22 | 40 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — | ||
| A-Award | 2026-09-15 | 70 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Peer Group
Similar companies in the same sectorCompare CZFS with peers: CZFS vs CBAN · CZFS vs COSO · CZFS vs CZNC
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CZFS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Citizens Financial Services, Inc. (CZFS) is currently trading at $84.59, trading near its 52-week high. The current dividend yield is 2.39% based on an annual payout of $2.02 per share.
CZFS (Citizens Financial Services, Inc.) — 2.39% Dividend Yield Analysis
Citizens Financial Services, Inc. (CZFS) is a financial services stock currently trading at $84.59 with a dividend yield of 2.39%. It pays an annual dividend of $2.02 per share. The payout ratio of 27% suggests the dividend is well-covered by earnings. Over the past 5 years, CZFS has grown its dividend at a compound annual rate of 3.8%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest CZFS News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.
How investors use the CZFS dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.