CZFS CITIZENS FINANCIAL SERVICES INC
Updated
Financial · State Commercial Banks
CITIZENS FINANCIAL SERVICES INC (CZFS) is a financial company in the State Commercial Banks industry, with a market capitalization of $401 million. Shares last traded at $83.42, near their 52-week high. Over the past year the stock is up 40.2%. CZFS trades at a price-to-earnings ratio of 9.77, below the State Commercial Banks median of 12.54. Net profit margin is 23.7%, above the peer median of 21.2%. Revenue grew 2.8% year over year. The shares yield 2.4% in dividends.
Performance
Chart
Full chart →Daily candles · volume · SMA(20)/SMA(50) · Databento EQUS.MINI.
Technicals
Financials
Latest reported annual period ending 2026-06-30 · SEC EDGAR/XBRL.
CZFS Dividend History
| Fiscal year end | Total dividends paid | Per share* | Payout ratio |
|---|---|---|---|
| 2025-12-31 | $10M | $0.00 | 26% |
| 2024-12-31 | $9M | $0.00 | 33% |
| 2023-12-31 | $9M | $0.00 | 48% |
| 2022-12-31 | $8M | $0.00 | 26% |
| 2021-12-31 | $7M | $0.00 | 25% |
| 2020-12-31 | $7M | $0.00 | 26% |
| 2019-12-31 | $6M | $0.00 | 32% |
| 2018-12-31 | $6M | $0.00 | 34% |
| 2017-12-31 | $5M | $0.00 | 40% |
| 2016-12-31 | $5M | $0.00 | 40% |
| 2015-12-31 | $5M | $0.00 | 44% |
| 2014-12-31 | $6M | $0.00 | 46% |
*Per share derived as total dividends paid ÷ weighted diluted shares (SEC EDGAR/XBRL annual cash-flow facts). Reported history — not a forecast of future dividends.
Compare payers on the highest-dividend-yield screener.
Recent earnings
| Period | EPS (diluted) | Reported |
|---|---|---|
| Q2 2026 | $4.28 | 2026-08-06 |
| Q1 2026 | $2.16 | 2026-05-07 |
| FY 2025 | $7.62 | 2026-03-12 |
| Q3 2025 | $5.44 | 2025-11-06 |
| Q2 2026 | $3.35 | 2026-08-06 |
| Q1 2026 | $1.59 | 2026-05-07 |
State Commercial Banks peers
CZFS vs 14 industry peers (State Commercial Banks), by market cap. Updated
| BNY | BNY Mellon | $111.5B | 17.70 | 2.74 | 15.5% | +1.40% |
| STT | State Street Corporation | $53.3B | 15.42 | 3.54 | 23.0% | +2.04% |
| FITB | Fifth Third Bancorp | $49.9B | 21.25 | 3.85 | 18.1% | +1.07% |
| MTB | M&T Bank | $34.7B | 11.43 | 2.62 | 22.9% | +1.92% |
| NTRS | Northern Trust | $34.3B | 15.30 | 2.40 | 15.7% | +1.85% |
| CFG | Citizens Financial Group | $29.8B | 14.03 | 2.47 | 17.6% | +1.53% |
| FCNCA | First Citizens Bancshares Inc /De/ | $25.9B | 10.98 | 2.69 | 24.5% | +1.26% |
| EWBC | East West Bancorp Inc | $17.9B | 12.37 | 3.83 | 30.9% | +1.28% |
| ALLY | Ally Financial Inc. | $13.3B | 9.12 | 1.68 | 18.4% | +2.18% |
| BPOP | Popular, Inc. | $10.9B | 11.28 | 2.46 | 21.8% | +0.46% |
| SSB | Southstate Bank Corp | $10.4B | 10.93 | 2.76 | 25.3% | +0.76% |
| WTFC | Wintrust Financial Corp | $10.4B | 11.50 | 2.45 | 21.3% | +0.79% |
| WAL | Western Alliance Bancorporation | $8.8B | 8.99 | 1.65 | 18.3% | +2.36% |
| PB | Prosperity Bancshares Inc | $8.7B | 15.48 | 5.01 | 32.3% | +0.46% |
Source: SEC EDGAR (fundamentals/EPS/dividends) · Databento EQUS.MINI (prices) · market cap & yield computed by tradmap. Informational only — not financial advice.