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Citizens Financial ServicesCZFS -0.21%66 3-Year Dividend Growth Rate is 2.40% as of Jun. 2026, which is 59% below its 10-year median of 5.90. GuruFocus rates CZFS with a GF Score™ of 66/100 and a GF Value™ of $63.15 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 961 Banks companies, Citizens Financial Services ranks worse than 78.36% on this metric.
The historical rank and industry rank for Citizens Financial Services's 3-Year Dividend Growth Rate or its related term are showing as below:
CZFS'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -3.2 Med: 5.9 Max: 20
Current: 2.4
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Citizens Financial Services was 20.00% per year. The lowest was -3.20% per year. And the median was 5.90% per year.
CZFS's 3-Year Dividend Growth Rate is ranked worse than 78.36% of 961
companies
in the Banks industry
Industry Median: 10.1
vs CZFS: 2.40
During the past 12 months, Citizens Financial Services's average Dividends Per Share Growth Rate was 2.80% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 2.40% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 1.90% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 3.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of Citizens Financial Services was 0.44. The lowest was 0.23. And the median was 0.32.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Citizens Financial Services Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.510000
2026-06-12
2026-06-12
2026-06-26
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.500000
2026-03-13
2026-03-13
2026-03-27
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.500000
2025-12-12
2025-12-12
2025-12-26
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.500000
2025-09-12
2025-09-12
2025-09-26
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Citizens Financial Services's Dividend Yield (%) for Today is calculated as
Current Share Price is $80.87.
Citizens Financial Services's Dividends per Share for the trailing twelve months (TTM) ended in Today is $2.01.
During the past 13 years, the highest Dividend Yield of Citizens Financial Services was 4.88%. The lowest was 2.08%. And the median was 3.02%.
Warning Sign:
Citizens Financial Services Inc stock Dividend Yield % is close to 3-year low.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Financial Services 3-Year Dividend Growth Rate Related Terms>
CZFS vs NWFL, WSBF, AVBH: 3-Year Dividend Growth Rate Comparison
For the Banks - Regional subindustry, Citizens Financial Services's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Services 3-Year Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's 3-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 2.40% mean?
Citizens Financial Services (CZFS) has a 3-Year Dividend Growth Rate of 2.40% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Citizens Financial Services and its competitors. This is 59% below median its historical median of 5.90. According to the industry distribution chart, Citizens Financial Services ranks #753 out of 961 companies in the Banks industry, placing it in the top 78.4%.
Is Citizens Financial Services' 3-Year Dividend Growth Rate too high?
Citizens Financial Services' current 3-Year Dividend Growth Rate of 2.40% is 59% below median its 10-year median of 5.90. The Banks industry median 3-Year Dividend Growth Rate is 10.10. Citizens Financial Services' value of 2.40% is 76.2% below this industry median. Based on the distribution chart, Citizens Financial Services ranks #753 out of 961 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' 3-Year Dividend Growth Rate compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #753 out of 961 companies for 3-Year Dividend Growth Rate. This places Citizens Financial Services in the lower half of its industry. The industry median 3-Year Dividend Growth Rate is 10.10. Citizens Financial Services' value of 2.40% is 76.2% below this benchmark. While the company's 10-year median is 5.90 vs. the industry median of 10.10, Citizens Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Dividend Growth Rate for a Banks company?
The median 3-Year Dividend Growth Rate among Banks companies is 10.10, based on 961 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current 3-Year Dividend Growth Rate of 2.40% is 76.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median 3-Year Dividend Growth Rate is 10.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current 3-Year Dividend Growth Rate is 2.40%, which is 59% below median its own 10-year median of 5.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current 3-Year Dividend Growth Rate is 2.40%, which is 59% below median its 10-year median of 5.90 and 76.2% below the Banks industry median of 10.10. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current 3-Year Dividend Growth Rate is 2.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Financial Services (CZFS) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued.
The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15.
GuruFocus considers Citizens Financial Services to be Modestly Overvalued.
Key valuation signals for CZFS:
3-Year Dividend Growth Rate: 2.40% (59% below median its 10-year median of 5.90)
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 76.2% below the Banks median (#753 of 961)
No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score
Get the complete analysis for CZFS
3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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