CZFS (Citizens Financial Services) Dividend Payout Ratio: 0.24 (As of Jun. 2026) — 25% Below Median

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CZFS Citizens Financial Services Inc CZFS
66 GF Score
Price $80.87
GF Value $63.15
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Citizens Financial Services Dividend Payout Ratio?

Citizens Financial Services CZFS -0.21% 66 Dividend Payout Ratio is 0.24 as of Jun. 2026, which is 25% below its 10-year median of 0.32. 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 1,174 Banks companies, Citizens Financial Services ranks better than 73.08% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Citizens Financial Services's Dividend Payout Ratio for the months ended in Jun. 2026 was 0.24.

The historical rank and industry rank for Citizens Financial Services's Dividend Payout Ratio or its related term are showing as below:

CZFS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23   Med: 0.32   Max: 0.44
Current: 0.23

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.

CZFS's Dividend Payout Ratio is ranked better than
73.08% of 1174 companies
in the Banks industry
Industry Median: 0.32 vs CZFS: 0.23

As of today (2026-08-29), the Dividend Yield % of Citizens Financial Services is 2.49%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Citizens Financial Services was 4.88%. The lowest was 2.08%. And the median was 3.02%.

Citizens Financial Services's Dividends per Share for the months ended in Jun. 2026 was $0.51.

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.

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.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Citizens Financial Services (NAS:CZFS) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Citizens Financial Services Dividend Payout Ratio Related Terms

Citizens Financial Services Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Citizens Financial Services's Dividend Payout Ratio can be seen below:

* 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 Dividend Payout Ratio Chart

Citizens Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.25 0.26 0.34 0.33 0.26

Citizens Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.28 0.24 0.23 0.23 0.24

CZFS vs NWFL, WSBF, AVBH: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Citizens Financial Services's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Services's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Financial Services's Dividend Payout Ratio falls into.


CZFS
66GF Score
Citizens Financial Services Inc CZFS
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Financial Services Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Citizens Financial Services's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.985/ 7.62
=0.26

Citizens Financial Services's Dividend Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2026 )/ EPS without NRI (Q: Jun. 2026 )
=0.51/ 2.12
=0.24

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.24 mean?
Citizens Financial Services (CZFS) has a Dividend Payout Ratio of 0.24 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Citizens Financial Services and its competitors. This is 25% below median its historical median of 0.32. Over the past decade, Citizens Financial Services' Dividend Payout Ratio has ranged from 0.23 to 0.44. According to the industry distribution chart, Citizens Financial Services ranks #316 out of 1174 companies in the Banks industry, placing it in the top 26.9%.
Is Citizens Financial Services' Dividend Payout Ratio too high?
Citizens Financial Services' current Dividend Payout Ratio of 0.24 is 25% below median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.44. The Banks industry median Dividend Payout Ratio is 0.32. Citizens Financial Services' value of 0.24 is 25% below this industry median. Based on the distribution chart, Citizens Financial Services ranks #316 out of 1174 companies in the Banks industry, which is above the industry midpoint. 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' Dividend Payout Ratio compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #316 out of 1174 companies for Dividend Payout Ratio. This puts Citizens Financial Services in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Citizens Financial Services' value of 0.24 is 25% below this benchmark. Historically, Citizens Financial Services' own Dividend Payout Ratio has ranged from 0.23 to 0.44 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,174 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Dividend Payout Ratio of 0.24 is 25% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Dividend Payout Ratio is 0.24, which is 25% below median its own 10-year median of 0.32. 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 Dividend Payout Ratio is 0.24, which is 25% below median its 10-year median of 0.32 and 25% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Dividend Payout Ratio is 0.24 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:

  • Dividend Payout Ratio: 0.24 (25% below median its 10-year median of 0.32)
  • GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
  • GF Score™: 66/100 with 8 warning signs
  • Industry Position: 25% below the Banks median (#316 of 1174)

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 Business Description

Address 15 South Main Street, Mansfield, PA, USA, 16933
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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.87
Price
$63.15
GF Value