Citizens Financial Services Inc. Common Stock (CZFS)
Company Info
Highlights
$308.90M
$5.85
11.09
$109.06M
$109.06M
$25.23M
$37.48 - $74.88
$70.00
0.95%
3.36
Share Price Chart
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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Citizens Financial Services Inc. Common Stock, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Citizens Financial Services Inc. Common Stock had a return of 2.51% year-to-date (YTD) and 39.87% in the last 12 months. Over the past 10 years, Citizens Financial Services Inc. Common Stock had an annualized return of 8.86%, while the S&P 500 had an annualized return of 11.26%, indicating that Citizens Financial Services Inc. Common Stock did not perform as well as the benchmark.
CZFS
2.51%
4.07%
30.59%
39.87%
5.17%
8.86%
^GSPC (Benchmark)
3.96%
1.97%
9.03%
22.16%
12.60%
11.26%
Monthly Returns
The table below presents the monthly returns of CZFS, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | -3.27% | 2.51% | |||||||||||
| 2024 | -9.53% | -20.15% | 6.45% | -17.89% | 3.84% | 9.44% | 18.96% | 6.43% | 4.19% | -0.78% | 21.14% | -9.71% | 2.71% |
| 2023 | 2.53% | 6.56% | 0.27% | 3.64% | -13.25% | 0.67% | -5.36% | -22.33% | -11.61% | 3.19% | 15.15% | 14.54% | -12.32% |
| 2022 | 7.10% | -3.85% | 2.36% | 8.66% | -4.35% | 6.79% | 3.93% | 7.42% | -9.60% | -2.31% | 5.99% | 6.22% | 29.87% |
| 2021 | 0.09% | 1.69% | 5.51% | 2.68% | -0.41% | 5.09% | -0.71% | -0.08% | 0.76% | -1.36% | -1.80% | 1.03% | 12.89% |
| 2020 | 4.07% | -1.17% | -21.75% | 10.20% | -5.56% | -0.64% | -1.51% | -4.08% | -5.47% | -0.00% | 5.68% | 21.58% | -4.50% |
| 2019 | 2.79% | 4.20% | 8.39% | -5.31% | 5.61% | -3.82% | -1.24% | -2.74% | 1.29% | 4.02% | -2.06% | 4.16% | 15.29% |
| 2018 | 1.59% | -2.73% | 1.36% | -0.32% | -0.16% | 2.79% | 0.79% | -2.05% | 1.29% | -2.00% | -0.49% | -8.24% | -8.32% |
| 2017 | -3.77% | 1.96% | 2.36% | 3.28% | 0.46% | 4.35% | 0.02% | 0.74% | 5.61% | 6.14% | 1.65% | 3.17% | 28.81% |
| 2016 | -0.82% | -2.68% | 1.90% | 0.42% | -0.83% | 9.36% | -1.96% | -2.20% | 3.98% | -0.79% | 4.00% | 2.84% | 13.33% |
| 2015 | -0.37% | -1.03% | -5.62% | -0.91% | -0.51% | 1.30% | -1.33% | -2.79% | 3.66% | -3.43% | -0.52% | 6.92% | -5.08% |
| 2014 | -5.54% | 1.94% | 6.52% | -4.09% | 0.47% | 4.68% | -3.21% | 1.90% | 0.64% | 2.36% | -0.92% | 0.64% | 4.82% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of CZFS is 69, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Citizens Financial Services Inc. Common Stock (CZFS) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Citizens Financial Services Inc. Common Stock provided a 3.00% dividend yield over the last twelve months, with an annual payout of $1.95 per share. The company has been increasing its dividends for 3 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.95 | $1.95 | $1.93 | $1.87 | $1.81 | $1.87 | $1.74 | $1.70 | $1.62 | $1.60 | $1.66 | $2.08 |
Dividend yield | 3.00% | 3.08% | 3.01% | 2.48% | 3.04% | 3.45% | 2.94% | 3.21% | 2.74% | 3.37% | 3.82% | 4.36% |
Monthly Dividends
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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.00 | ||||||||||
| 2024 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $1.95 |
| 2023 | $0.00 | $0.00 | $0.48 | $0.00 | $0.00 | $0.48 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $1.93 |
| 2022 | $0.00 | $0.00 | $0.46 | $0.00 | $0.00 | $0.47 | $0.00 | $0.00 | $0.47 | $0.00 | $0.00 | $0.47 | $1.87 |
| 2021 | $0.00 | $0.00 | $0.45 | $0.00 | $0.00 | $0.45 | $0.00 | $0.00 | $0.46 | $0.00 | $0.00 | $0.46 | $1.81 |
| 2020 | $0.00 | $0.00 | $0.54 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.45 | $0.00 | $0.00 | $0.45 | $1.87 |
| 2019 | $0.00 | $0.00 | $0.43 | $0.00 | $0.00 | $0.43 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $1.74 |
| 2018 | $0.00 | $0.00 | $0.42 | $0.00 | $0.00 | $0.42 | $0.00 | $0.00 | $0.43 | $0.00 | $0.00 | $0.43 | $1.70 |
| 2017 | $0.00 | $0.00 | $0.41 | $0.00 | $0.00 | $0.39 | $0.00 | $0.00 | $0.41 | $0.00 | $0.00 | $0.41 | $1.62 |
| 2016 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $1.60 |
| 2015 | $0.00 | $0.00 | $0.39 | $0.00 | $0.00 | $0.39 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.39 | $1.66 |
| 2014 | $0.37 | $0.00 | $0.00 | $0.37 | $0.00 | $0.00 | $0.96 | $0.00 | $0.00 | $0.38 | $2.08 |
Dividend Yield & Payout
Dividend Yield
Payout Ratio
Drawdowns
Drawdowns Chart
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.
Worst Drawdowns
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 24.20%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -55% | Jun 13, 2023 | 220 | Apr 26, 2024 | — | — | — |
| -40.56% | Feb 19, 2020 | 21 | Mar 24, 2020 | 258 | Jun 24, 2021 | 279 |
| -25.62% | Aug 1, 2008 | 117 | Mar 27, 2009 | 33 | Jul 20, 2009 | 150 |
| -22.45% | May 12, 2003 | 373 | Dec 12, 2005 | 72 | May 19, 2006 | 445 |
| -22.37% | Aug 30, 2022 | 37 | Oct 20, 2022 | 73 | Feb 6, 2023 | 110 |
Volatility
Volatility Chart
The current Citizens Financial Services Inc. Common Stock volatility is 14.26%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Valuation
The Valuation section provides an assessment of the market value of Citizens Financial Services Inc. Common Stock compared to its peers in the Banks - Regional industry.
PE Ratio
The chart displays the price to earnings (P/E) ratio for CZFS in comparison to other companies of the Banks - Regional industry. Currently, CZFS has a PE value of 11.1. This PE ratio falls in the average range for the industry.PEG Ratio
The chart displays the price to earnings to growth (PEG) ratio for CZFS in comparison to other companies of the Banks - Regional industry. Currently, CZFS has a PEG value of 0.0. This PEG ratio falls in the average range for the industry.Historical P/E Ratio Chart
The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Citizens Financial Services Inc. Common Stock.
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Income Statement
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