CZFS - NASDAQ
Citizens Financial Services, Inc.
$62.65
-2.7%Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
At a Glance
Live SnapshotCitizens Financial Services, Inc. Dividend History
CZFS Dividend Payment History
Total Payments
50
Latest Dividend
$0.5000
Annual Amount
$2.4900
Frequency
Quarterly
| Declaration | Ex-Date | Payment Date | Dividend | Adjusted | Frequency | Growth |
|---|---|---|---|---|---|---|
Mar 2, 2026 | Mar 13, 2026 | Mar 27, 2026 | $0.5000 | $0.5000 | Quarterly | 0.00% |
Dec 2, 2025 | Dec 12, 2025 | Dec 26, 2025 | $0.5000 | $0.5000 | Quarterly | 0.00% |
Sep 2, 2025 | Sep 12, 2025 | Sep 26, 2025 | $0.5000 | $0.5000 | Quarterly | +1.01% |
Jun 3, 2025 | Jun 13, 2025 | Jun 27, 2025 | $0.4950 | $0.4950 | Quarterly | 0.00% |
Mar 5, 2025 | Mar 14, 2025 | Mar 28, 2025 | $0.4950 | $0.4950 | Quarterly | +1.02% |
Dec 3, 2024 | Dec 13, 2024 | Dec 27, 2024 | $0.4900 | $0.4900 | Quarterly | 0.00% |
Sep 3, 2024 | Sep 13, 2024 | Sep 27, 2024 | $0.4900 | $0.4900 | Quarterly | +1.03% |
Jun 4, 2024 | Jun 14, 2024 | Jun 28, 2024 | $0.4850 | $0.4850 | Quarterly | 0.00% |
Mar 5, 2024 | Mar 15, 2024 | Mar 29, 2024 | $0.4900 | $0.4850 | Quarterly | 0.00% |
Dec 5, 2023 | Dec 15, 2023 | Dec 29, 2023 | $0.4900 | $0.4850 | Quarterly | 0.00% |
Sep 1, 2023 | Sep 15, 2023 | Sep 29, 2023 | $0.4900 | $0.4850 | Quarterly | +1.04% |
May 30, 2023 | Jun 9, 2023 | Jun 30, 2023 | $0.4850 | $0.4800 | Quarterly | +1.05% |
Feb 28, 2023 | Mar 10, 2023 | Mar 31, 2023 | $0.4850 | $0.4750 | Quarterly | +0.85% |
Dec 6, 2022 | Dec 16, 2022 | Dec 30, 2022 | $0.4800 | $0.4710 | Quarterly | 0.00% |
Sep 1, 2022 | Sep 16, 2022 | Sep 30, 2022 | $0.4800 | $0.4710 | Quarterly | +1.07% |
May 31, 2022 | Jun 10, 2022 | Jun 24, 2022 | $0.4750 | $0.4660 | Quarterly | +1.08% |
Mar 1, 2022 | Mar 11, 2022 | Mar 25, 2022 | $0.4750 | $0.4610 | Quarterly | +1.10% |
Dec 6, 2021 | Dec 16, 2021 | Dec 30, 2021 | $0.4700 | $0.4560 | Quarterly | 0.00% |
Sep 3, 2021 | Sep 16, 2021 | Sep 30, 2021 | $0.4700 | $0.4560 | Quarterly | +2.24% |
Jun 1, 2021 | Jun 11, 2021 | Jun 25, 2021 | $0.4650 | $0.4460 | Quarterly | -1.11% |
Mar 2, 2021 | Mar 12, 2021 | Mar 26, 2021 | $0.4600 | $0.4510 | Quarterly | +1.12% |
Dec 4, 2020 | Dec 15, 2020 | Dec 29, 2020 | $0.4600 | $0.4460 | Quarterly | 0.00% |
Sep 1, 2020 | Sep 11, 2020 | Sep 25, 2020 | $0.4600 | $0.4460 | Quarterly | +0.90% |
Jun 2, 2020 | Jun 12, 2020 | Jun 26, 2020 | $0.4550 | $0.4420 | Quarterly | -18.00% |
Mar 3, 2020 | Mar 13, 2020 | Mar 27, 2020 | $0.5550 | $0.5390 | Quarterly | +23.34% |
Dec 3, 2019 | Dec 13, 2019 | Dec 27, 2019 | $0.4500 | $0.4370 | Quarterly | 0.00% |
Sep 3, 2019 | Sep 13, 2019 | Sep 27, 2019 | $0.4500 | $0.4370 | Quarterly | +1.16% |
Jun 4, 2019 | Jun 14, 2019 | Jun 28, 2019 | $0.4450 | $0.4320 | Quarterly | 0.00% |
Mar 5, 2019 | Mar 15, 2019 | Mar 29, 2019 | $0.4450 | $0.4320 | Quarterly | +4.35% |
Dec 4, 2018 | Dec 14, 2018 | Dec 28, 2018 | $0.4310 | $0.4140 | Quarterly | -3.04% |
Sep 4, 2018 | Sep 14, 2018 | Sep 28, 2018 | $0.4400 | $0.4270 | Quarterly | +1.18% |
Jun 5, 2018 | Jun 15, 2018 | Jun 29, 2018 | $0.4350 | $0.4220 | Quarterly | +0.96% |
Mar 6, 2018 | Mar 16, 2018 | Mar 30, 2018 | $0.4310 | $0.4180 | Quarterly | +1.21% |
Dec 5, 2017 | Dec 15, 2017 | Dec 29, 2017 | $0.4260 | $0.4130 | Quarterly | 0.00% |
Sep 5, 2017 | Sep 15, 2017 | Sep 29, 2017 | $0.4260 | $0.4130 | Quarterly | +6.17% |
Jun 8, 2017 | Jun 16, 2017 | Jun 30, 2017 | $0.4010 | $0.3890 | Quarterly | -4.66% |
Mar 8, 2017 | Mar 17, 2017 | Mar 31, 2017 | $0.4210 | $0.4080 | Quarterly | +0.99% |
Dec 6, 2016 | Dec 16, 2016 | Dec 30, 2016 | $0.4160 | $0.4040 | Quarterly | 0.00% |
Sep 6, 2016 | Sep 16, 2016 | Sep 30, 2016 | $0.4160 | $0.4040 | Quarterly | +1.25% |
Jun 10, 2016 | Jun 23, 2016 | Jun 30, 2016 | $0.4110 | $0.3990 | Quarterly | 0.00% |
Mar 9, 2016 | Mar 18, 2016 | Mar 24, 2016 | $0.4110 | $0.3990 | Quarterly | +1.27% |
Dec 10, 2015 | Dec 18, 2015 | Dec 30, 2015 | $0.4060 | $0.3940 | Quarterly | -19.59% |
Sep 15, 2015 | Sep 18, 2015 | Sep 25, 2015 | $0.5050 | $0.4900 | Quarterly | +25.96% |
Jun 9, 2015 | Jun 19, 2015 | Jun 26, 2015 | $0.4010 | $0.3890 | Quarterly | 0.00% |
Mar 11, 2015 | Mar 20, 2015 | Mar 27, 2015 | $0.4010 | $0.3890 | Quarterly | +1.30% |
Dec 3, 2014 | Dec 15, 2014 | Dec 22, 2014 | $0.3960 | $0.3840 | Quarterly | -60.04% |
Sep 10, 2014 | Sep 19, 2014 | Sep 26, 2014 | $0.9900 | $0.9610 | Quarterly | +162.57% |
Jun 11, 2014 | Jun 20, 2014 | Jun 27, 2014 | $0.3770 | $0.3660 | Quarterly | 0.00% |
Mar 11, 2014 | Mar 21, 2014 | Mar 28, 2014 | $0.3770 | $0.3660 | Quarterly | 0.00% |
Dec 10, 2013 | Dec 19, 2013 | Dec 27, 2013 | $0.3770 | $0.3660 | Quarterly | - |
Citizens Financial Services, Inc. Payout Ratio Analysis
Dividend Sustainability Analysis
Payout Ratio
Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.
FCF Payout Ratio
Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.
Dividend Growth
Dividend cut is concerning. Investigate whether due to one-time factors or fundamental business deterioration. Reassess dividend sustainability.
Sustainability
Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.
Related Guides
Continue your CZFS research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.