# Citizens Financial Services, Inc. (CZFS): Dividend & Fundamentals

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- Sector: Financial Services · Industry: Banks - Regional
- Exchange: NASDAQ · Trading currency: USD

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, cred...

## Quote & Key Metrics

As of 2026-10-26:

| Metric | Value |
|---|---|
| Price | $84.59 USD |
| Market Cap | $406.9M |
| P/E (TTM) | 9.89 |
| EPS (TTM) | $8.55 |
| 52-Week Range | $52.35 – $86.77 |
| Dividend Yield (TTM) | 2.39% |

## Dividend

| Metric | Value |
|---|---|
| Yield (TTM) | 2.39% |
| Annual Dividend (TTM) | $2.02 /share |
| Annual Dividend (Forward) | $2.04 /share |
| Frequency | Quarterly |
| Consecutive Growth Streak | 15 years |
| Growth CAGR 1Y / 3Y / 5Y / 10Y | 2.0% / 1.7% / 2.3% / 2.4% |
| Payout Ratio (EPS, TTM) | 23.5% |
| Payout Ratio (FCF, TTM) | — |
| Payout Ratio (EPS, forward dividend) | 23.9% |
| Payout Ratio (FCF, forward dividend) | — |

### Recent Payments

| Ex-Date | Amount | Pay Date |
|---|---|---|
| 2026-09-11 | $0.5100 | 2026-09-25 |
| 2026-06-12 | $0.5100 | 2026-06-26 |
| 2026-03-13 | $0.5000 | 2026-03-27 |
| 2025-12-12 | $0.5000 | 2025-12-26 |
| 2025-09-12 | $0.5000 | 2025-09-26 |
| 2025-06-13 | $0.4950 | 2025-06-27 |
| 2025-03-14 | $0.4950 | 2025-03-28 |
| 2024-12-13 | $0.4900 | 2024-12-27 |
| 2024-09-13 | $0.4900 | 2024-09-27 |
| 2024-06-14 | $0.4852 | 2024-06-28 |
| 2024-03-14 | $0.4852 | 2024-03-29 |
| 2023-12-14 | $0.4852 | 2023-12-29 |

Full history: https://www.dividenddata.com/stocks/czfs/dividend

## Frequently Asked Questions

### What does Citizens Financial Services, Inc. do?

Citizens Financial Services, Inc. (CZFS) operates in the Banks - Regional industry within the Financial Services sector. Full company description, peers, and segment breakdown are on the page above.

### What is CZFS's market cap?

Citizens Financial Services, Inc. (CZFS) has a market capitalization of approximately $406.9 million, as of October 26, 2026, based on the most recent share price and shares outstanding.

### Does CZFS pay a dividend?

Yes, Citizens Financial Services, Inc. (CZFS) pays a dividend quarterly, with a trailing-twelve-month yield of 2.39%. Full distribution history, payout ratios, and growth rates are on the Dividend tab.

### How often does CZFS pay dividends?

Citizens Financial Services, Inc. pays dividends quarterly. The forward annual rate is $2.04 per share at the current declared cadence. Each ex-dividend date, record date, and payment date is listed in the dividend history table on this page.

### What is CZFS's payout ratio?

Citizens Financial Services, Inc.'s payout ratio is the percentage of earnings (and free cash flow) returned to shareholders as dividends. Current EPS and FCF coverage are shown in the payout cards above, with green / amber / red coloring indicating sustainability.

## More on Dividend Data

- Overview (HTML): https://www.dividenddata.com/stocks/czfs
- Dividend history & safety: https://www.dividenddata.com/stocks/czfs/dividend
- Earnings & EPS: https://www.dividenddata.com/stocks/czfs/earnings
- Financial statements: https://www.dividenddata.com/stocks/czfs/financials/income
- Valuation multiples: https://www.dividenddata.com/stocks/czfs/valuation
- Peer comparison: https://www.dividenddata.com/stocks/czfs/peers

Data sourced from primary filings and market data providers; see https://www.dividenddata.com/methodology.