Citizens Financial Services Inc. Common Stock (CZFS)

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Citizens Financial Services Inc. Common Stock (CZFS) is up 20.2% since the beginning of the year. At $67 per share, CZFS is trading 6.1% below its 52-week high of $72. Investors who bought $1,000 worth of CZFS shares 5 years ago would now be looking at an investment worth $1,300.

Citizens Financial Services Inc. Common Stock (CZFS) has returned 20.18% so far this year and 23.66% over the past 12 months. Over the last ten years, CZFS has returned 7.83% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.

Based on dividend-adjusted daily data since Jan 2, 2001, CZFS's average daily return is +0.06%, while the average monthly return is +1.14%. At this rate, an investment would double in approximately 5.1 years.

Historically, 57% of months were positive and 43% were negative. The best month was Apr 2003 with a return of +27.3%, while the worst month was Aug 2023 at -22.3%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 7 months.

On a daily basis, CZFS closed higher 28% of trading days. The best single day was Nov 6, 2024 with a return of +15.3%, while the worst single day was Mar 23, 2020 at -13.8%.

Citizens Financial Services Inc. Common Stock has an annualized alpha of 16.15%, beta of 0.10, and R2 of 0.00 versus S&P 500 Index. Calculated based on daily prices since January 02, 2001.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (45.31%) than losses (4.19%) - typical of diversified or defensive assets.
• Beta of 0.10 may look defensive, but with R2 of 0.00 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.00 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

CZFS ranks 62 for risk / return — better than 62% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

Citizens Financial Services Inc. Common Stock provided a 2.98% dividend yield over the last twelve months, with an annual payout of $2.01 per share.

The table displays the monthly dividend distributions for Citizens Financial Services Inc. Common Stock. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Citizens Financial Services Inc. Common Stock. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens Financial Services Inc. Common Stock was 55.00%, occurring on Apr 26, 2024. The portfolio has not yet recovered.

The current Citizens Financial Services Inc. Common Stock drawdown is 17.28%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Citizens Financial Services Inc. Common Stock over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Citizens Financial Services Inc. Common Stock is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.