Citizens Financial Services (CZFS) dividend stock





  • Yield

     3.07%
  • Dividend

     1.72
  • 5 year dividend growth rate
     10.7%
  • Dividend increased

     18 yrs.
  • Payout ratio

     46%
  • Dividend pay date

     9/29/2017
  • Ex-dividend date

     9/14/2017
  • Uninterrupted
    dividends
     N/A yrs.
  • Yield compared to 5 year average
     + 5.9%
  • Dividend payback
    period
     16 yrs.
  • Chowder rule

     13.8
  • Tweed factor

     -1.2
Rating
Overall rating
The overall rating measures the general health and sustainabilty of the company's dividend. It is an average of the five ratings below.





Dividend increased years
This rating looks at the number of years the company has increased their dividend consecutively. 1 star is given for 7 years or below and 5 stars are given for 23 years or more.





Dividend yield
This rating evaluates the size of the yield. 1 star is given for a yield below 0.75% and 5 stars for yields above 6.75%.





Payout ratio
The payout ratio shows how much of the earnings are being paid out as dividends. We award 0 stars for payout ratios above 100% and 5 stars for ratios below 10%.





Dividend growth rate
This rating takes into account the growth of the dividend. Companies that have a dividend growth rate below 1.5% get 1 star while 5 stars are given for rates above 13.5%.





Yield compared to 5 year average
If the current yield is below the 5 year average, it tends to indicate that the stock is cheap. A rating of 0 is given if the current yield is below 0 percent compared to the average and a rating of 5 is given if it's more than 22.5% above.
Relative valuations
Yield compared to 5 year average   
5.9%
Payout ratio compared to 5 year average   
26.1%
P/E compared to 5 year average   
45.0%
Price per book value compared to 5 year average   
1.3%
Price change from 52 week high   
0.0%
Price change from 50 days average   
2.6%
Price change from 200 days average   
4.0%
Price info
Change
0.30 (0.54%)


Last price
56.00 USD


Day range
56.00 - 56.00


Year range
47.00 - 56.00

Financial health
Current ratio
0.00


Debt/equity ratio
0.00


Cash
32.08M


Debt
41.63M


Valuation
Price/earning (P/E)
14.94


Price/book (P/B)
1.52


Forward price/earning (P/E)
12.36


Price/sales (P/S)
4.28


PEG
-9.15


Market cap
195.61M

Recession performance (2007 - 2009)
0.8200,0.8650,0.9110
  • 2007
  • 2008
  • 2009
Dvidend growth (annualized)   
5.4%
2.1300,2.1900,3.1400
  • 2007
  • 2008
  • 2009
Earnings per share growth (annualized)   
21.4%
10 year history
0.8200,0.8650,0.9110,0.9570,1.0000,1.1230,1.2080,1.5620,1.6300,1.6600
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Dividend growth (annualized)   
8.2%
2.1300,2.1900,3.1400,3.6700,4.1100,4.6000,4.3800,4.4000,3.8300,3.8300
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Earnings per share growth (annualized)   
6.7%
15.3600,16.8200,19.6100,21.9500,25.3700,29.1100,29.6800,32.6300,31.1500,35.9000
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Book value per share growth (annualized)   
9.9%
37.8000,38.6000,28.4000,19.1000,24.8000,32.3000,33.3000,35.6000,38.8000,42.5000
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Payout ratio growth (annualized)   
1.3%
3.0000,3.0000,3.0000,3.0000,3.0000,3.0000,3.0000,3.0000,3.0000,3.0000
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Shares outstanding growth (annualized)   
0.0%
Other companies in the regional - northeast banks industry
Company
Div. increase  
Yield
Div. growth
USA   Tompkins Financial 30 yrs2.25%4.7%
USA   Arrow Financial 23 yrs2.93%2.0%
USA   First of Long Island 22 yrs1.88%6.2%
USA   Norwood Financial 19 yrs2.84%3.3%
USA   First Keystone 16 yrs3.84%2.2%
USA   Bar Harbor Bankshares 14 yrs2.52%7.7%
USA   Quaint Oak Bancorp 10 yrs1.58%17.1%
Company profile
Citizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers in the United States. It provides various deposit products, including checkin...
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Address:
15 South Main Street, Mansfield, PA, 16933

Phone:
+1 570 662-2121
The dividend of Citizens Financial Services is 1.72 USD and this gives the stock a yield of 3.07%. The dividend has been raised for 18 years in a row (since 1999). An earnings per share of 3.75 and a dividend of 1.72 gives Citizens Financial Services a payout ratio of 46%. The dividend payback period is 16 years, assuming the dividend growth stays the same. They have increased their dividend by 10.7% on average in the last 5 years. The ex-dividend date for CZFS is 9/14/2017, and 9/29/2017 is their dividend pay date. 172 people work for them (a US company) and it has been founded back in . They are in the financial sector and the regional - northeast banks industry. Our dividend rating for this stock is 2.9 / 5 stars.






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