Citizens Financial Services

CZFS

Market cap $264M

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?

CIB, CZFS and VIRT made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 24, 2025.

Citizens Financial Services offers an appealing investment opportunity due to its solid growth, strong asset quality, and attractive valuation. CZFS has demonstrated consistent balance sheet expansion, improved net interest income, and superior return on assets and equity versus peers. Shares are the cheapest among comparable banks on a price-to-earnings and price-to-book basis, with a P/E below the industry-preferred maximum.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?

Citizens Financial Services delivered strong H1 results, with rising net interest income and a well-covered dividend payout ratio below 30%. The bank's loan book is conservatively managed, with most commercial real estate loans having low loan-to-value ratios and limited office exposure. Despite trading at a 40% premium to tangible book value, robust earnings and a low payout ratio suggest tangible book value will continue to grow rapidly.

JRVR, SITE, EVR, TRMK and CZFS have been added to the Zacks Rank #1 (Strong Buy) List on September 10, 2025.

CZFS, SRCE and NVST made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 10, 2025.

CZFS, TRMK and EVR made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 10, 2025.

TATT, CZFS, AEM, STRL and TROW have been added to the Zacks Rank #1 (Strong Buy) List on September 8, 2025.