CZFS Dividend History & Analysis | 3% Yield

CZFS has a dividend yield of 3% and paid 2.02 USD per share in the last 12M. Complete payout history, full analyses and peer comparison.

Yield 12m 3.02%
Payout Ratio 22.6%
Growth Rate CAGR 5y 2%
Consistency Lifetime 100%
Yield on Cost 5y 4%
Payout FCF 24.8%
Streak Years 5
Dividend Rating 57%
Chowder Number yield + growth 5% below 12% target for healthy growth
Yield vs Average 5y +4.3% avg 2.89% vs now 3.02%
Debt / EBITDA leverage 0.1x healthy
Income per 10k invested 302 USD per year
Dividends Cash Amount per Share Yearly CZFS annual dividends paid per share, showing the total cash Citizens Financial distributed to shareholders each year.
Dividend Growth Year over Year CZFS year-over-year dividend growth rate, showing how Citizens Financial's dividend per share increased or decreased each year compared to the prior year.
Price and Yield per Payout History CZFS dividend yield history versus share price over the past 5 years, showing how Citizens Financial's payout yield moved at each dividend payment relative to its stock price.
┅┅ Payout Yield (right) ■ Price (left)

Top Dividend Payers in Regional Banks

Top 10 Dividend Yields of Peer-Group
SYMBOL MARKET CAP USD YIELD TTM YIELD ON COST 5y
BPE MI
BPER Banca		 30,613 M 5.85% 45.12%
SWED-A ST
Swedbank (publ)		 45,286 M 9.93% 22.48%
BHW WAR
Bank Handlowy w Warszawie		 4,007 M 7.69% 26.58%
PEO WAR
Bank Polska Kasa Opieki		 17,204 M 8.96% 23.43%
ACA PA
Credit Agricole		 53,148 M 10.43% 20.38%
VLK AS
Van Lanschot		 3,117 M 5.82% 25.50%
EBP WAR
Erste Bank Polska S.A.		 20,076 M 8.54% 18.90%
IFS NYSE
Intercorp Financial		 5,362 M 7.81% 19.06%
MB MI
Mediobanca Banca di Credito		 23,409 M 6.65% 16.53%
PKO WAR
Powszechna Kasa		 36,673 M 5.71% 17.62%
Top 10 Dividend Growth Rates of Peer-Group
SYMBOL MARKET CAP USD GROWTH RATE CONSISTENCY
CBK XETRA
Commerzbank		 46,442 M 77.88% 100.0%
BPE MI
BPER Banca		 30,613 M 58.37% 100.0%
PEO WAR
Bank Polska Kasa Opieki		 17,204 M 53.83% 98.2%
FCNCA NASDAQ
First Citizens BancShares		 25,152 M 46.46% 100.0%
PKO WAR
Powszechna Kasa		 36,673 M 45.86% 61.0%
SWED-A ST
Swedbank (publ)		 45,286 M 31.78% 96.5%
RRBI NASDAQ
Red River Bancshares		 682 M 31.03% 100.0%
CE MI
Credito Emiliano S.p.A		 7,614 M 29.07% 97.6%
CBNK NASDAQ
Capital Bancorp		 715 M 24.79% 100.0%
BFC NASDAQ
Bank First National		 1,639 M 24.51% 100.0%

CZFS Dividend History

Dividend Monthly Return EX date, 4.9 years of data

Jan - -
Feb - -
Mar 0.84% 100
Apr - -
May - -
Jun 0.65% 100
Jul - -
Aug - -
Sep 0.78% 100
Oct - -
Nov - -
Dec 0.74% 100

Average monthly dividend return by ex-dividend date. The score below shows reliability based on how consistently dividends were paid in that month.

Last 20 Payments (USD) as of November 2026
EX-DATE RECORD PAYMENT PERIOD DIV/SHARE GROWTH PAYOUT YIELD
2026-09-11 2026-09-11 2026-09-25 Quarterly 0.51 0% 0.61%
2026-06-12 2026-06-12 2026-06-26 Quarterly 0.51 +2% 0.76%
2026-03-13 2026-03-13 2026-03-27 Quarterly 0.5 0% 0.83%
2025-12-12 2025-12-12 2025-12-26 Quarterly 0.5 0% 0.82%
2025-09-12 2025-09-12 2025-09-26 Quarterly 0.5 +2% 0.78%
2025-06-13 2025-06-13 2025-06-27 Quarterly 0.49 -1% 0.84%
2025-03-14 2025-03-14 2025-03-28 Quarterly 0.495 +1% 0.88%
2024-12-13 2024-12-13 2024-12-27 Quarterly 0.49 0% 0.7%
2024-09-13 2024-09-13 2024-09-27 Quarterly 0.49 0% 0.89%
2024-06-14 2024-06-14 2024-06-28 Quarterly 0.4899 -0% 1.12%
2024-03-14 2024-03-15 2024-03-29 Quarterly 0.49 0% 1.15%
2023-12-14 2023-12-15 2023-12-29 Quarterly 0.49 0% 0.76%
2023-09-14 2023-09-15 2023-09-29 Quarterly 0.49 0% 0.98%
2023-06-08 2023-06-09 2023-06-30 Quarterly 0.4899 +1% 0.55%
2023-03-09 2023-03-10 2023-03-31 Quarterly 0.485 +1% 0.6%
2022-12-15 2022-12-16 2022-12-30 Quarterly 0.48 0% 0.63%
2022-09-15 2022-09-16 2022-09-30 Quarterly 0.48 +0.1% 0.62%
2022-06-09 2022-06-10 2022-06-24 Quarterly 0.4798 +1% N/A
2022-03-10 2022-03-11 2022-03-25 Quarterly 0.475 +1.1% 0.76%
2021-12-15 2021-12-16 2021-12-30 Quarterly 0.47 0% 0.79%

CZFS Dividend FAQ

What is the Dividend Yield of CZFS?

As of November 2026, CZFS's dividend yield is 3.02%. This is calculated by dividing the trailing 12-month dividend rate (TTM rate) of 2.02 USD by the current share price of 85.82.

Does CZFS pay a dividend?

As of November 2026, CZFS paid a dividend of 2.02 USD in the last 12 months. The last dividend was paid on 2026-09-11 and the payout was 0.51 USD.

How often does CZFS pay dividends?

CZFS pays dividends quarterly. Over the last 12 months, CZFS has issued 4 dividend payments. The last dividend payment was made on 2026-09-11.

CZFS dividend forecast

Based on historical data, the forecasted dividends per share for CZFS for the next payments are between 0.513 (+0.6%) and 0.524 (+2.7%). This suggests the dividend will remain relatively stable. The expected Yield for the next 12 months is about 2.42%.

Will CZFS pay dividends in 2026?

The latest dividend paid per share was 0.51 USD with an Ex-Dividend Date of 2026-09-11. The next Ex-Dividend date for Citizens Financial (CZFS) is currently unknown.

What is the next Ex-Dividend Date for CZFS?

The next Ex-Dividend date for Citizens Financial (CZFS) is currently unknown. We automatically update the next Ex-Dividend date when it is announced.

What is the Dividend Growth of CZFS?

CZFS's average dividend growth rate over the past 5 years is 1.97% per year. Weak growth: CZFS's dividend growth is lower than inflation.

What is the Yield on Cost of CZFS?

CZFS's 5-Year Yield on Cost is 4.00%. If you bought CZFS's shares at 50.54 USD five years ago, your current annual dividend income (2.02 USD per share, trailing 12 months) equals 4.00% of your original purchase price.

What is the Payout Consistency of CZFS?

CZFS Payout Consistency is 100.0%. The payout consistency is a proprietary measure of how consistently a company has paid dividends over its lifetime and blends growth rate, number of dividend payments, interruptions or lowering dividends into one number. Very consistent: Citizens Financial has a strong track record of consistent dividend payments over its lifetime.

Does CZFS have a good Dividend Yield?

CZFS's 3.02% Dividend Yield is considered as moderate. This is usually a sign of a value company.

What is the Dividend Payout Ratio of CZFS?

The Dividend Payout Ratio of CZFS is 22.6%. Very low - Often a strong indicator of potential dividend growth.

What is the Dividend Rating of CZFS?

CZFS's Overall Dividend Rating is 57.04%. Ratings surpassing 65% are regarded as acceptable, exceeding 75% are favorable and surpassing 85% are strong.

CZFS Outstanding Shares Analysis

The Chart shows the outstanding shares over time per year.
What is the Trend in CZFS's Outstanding Shares?

Citizens Financial's outstanding shares have decreased by approximately 0.43% annually over the past 3 years (Trend Reliability: -47.7%). Slightly positive: The company is modestly reducing its share count through buybacks. This provides a small tailwind to earnings per share and dividend sustainability.

Has CZFS ever had a Stock Split?

Yes, the last stock split was on Jun 14, 2024 with a ratio of 101:100. This was a forward split: Each share became 1.01 shares, lowering the price proportionally. The dividend per share was also adjusted downward by the same ratio, so total dividend income remained unchanged.

YEAR NUMBER OF SHARES ANNUAL GROWTH RATE
1999 3,853,900 0%
2000 3,655,900 -5.14%
2001 3,655,200 -0.02%
2002 3,654,500 -0.02%
2003 3,600,400 -1.48%
2004 3,599,400 -0.03%
2005 3,563,900 -0.99%
2006 3,503,100 -1.71%
2007 3,475,500 -0.79%
2008 3,464,200 -0.33%
2009 3,461,000 -0.09%
2010 3,447,000 -0.4%
2011 3,413,000 -0.99%
2012 3,498,300 +2.5%
2013 3,459,200 -1.12%
2014 3,452,100 -0.21%
2015 3,487,300 +1.02%
2016 3,746,300 +7.43%
2017 3,734,900 -0.3%
2018 3,713,800 -0.56%
2019 3,695,400 -0.5%
2020 4,071,500 +10.18%
2021 4,062,900 -0.21%
2022 4,045,800 -0.42%
2023 4,794,600 +18.51%
2024 4,800,000 +0.11%
2025 4,798,200 -0.04%
2026 4,802,400 +0.09%

Key Metric Definitions

Dividend Yield

Annual dividend per share divided by current share price.

Payout Ratio

Percentage of earnings paid as dividends. Below 60% = safe, above 100% = unsustainable.

Payout FCF

Percentage of Free Cash Flow paid as dividends. More reliable than Payout Ratio since it measures actual cash.

Growth Rate (CAGR)

Compound annual growth rate of dividends over the last 5 years.

Consistency

Reliability of dividend payments over lifetime. Penalizes cuts and pauses.

Yield on Cost

Your effective yield if you bought 5 years ago. Shows dividend growth impact over time.

Streak

Consecutive years of dividend payments. 25+ years = Dividend Aristocrat.

Dividend Rating

Proprietary score (0-100) combining yield, growth, safety and consistency.

Last update: 2026-11-08 02:05 UTC