Citizens Financial Services, Inc. (CZFS) Stock Total Returns
Growth of $10,000 chart
2021-04-21 to 2026-04-21 to
$
%
%
Loading chart…
Investment Performance
Final Value
$13,684
Total Return
36.84%
CAGR
6.48%
Dividends
$1,777.21
Yield on Cost
17.77%
Rolling Returns
1-Month (21 Trading Days)
| Average | +0.85% |
| Median | +0.61% |
| Best | +40.43% |
| Worst | -26.83% |
| % of Windows Positive | 52.8% |
1-Year (252 Trading Days)
| Average | +6.24% |
| Median | +12.47% |
| Best | +64.26% |
| Worst | -53.79% |
| % of Windows Positive | 65.8% |
3-Year (756 Trading Days)
| Average | -5.63% |
| Median | -8.35% |
| Best | +34.91% |
| Worst | -29.61% |
| % of Windows Positive | 28.3% |
Risk Metrics
| Maximum Drawdown | -55.25% |
| Average Drawdown | -22.09% |
| Drawdown Duration | 715 Trading Days (Unrecovered) |
| Sortino Ratio | 0.52 |
| Calmar Ratio | 0.12 |
| CVaR (5%) | -5.55% |
Yearly Returns
| Year | Percentage | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|
| 2026 partial | +21.83% (+91.50% ann.) | +$2182.91 | $87.69 | $17.54 | $0.14 |
| 2025 | -7.50% | $750.45 | $316.79 | $63.36 | $0.51 |
| 2024 | +1.92% | +$191.85 | $308.45 | $61.69 | $0.49 |
| 2023 | -12.81% | $1281.28 | $258.10 | $51.62 | $0.41 |
| 2022 | +30.46% | +$3045.82 | $319.82 | $63.96 | $0.51 |
| 2021 | +11.09% | +$1109.02 | $336.20 | $67.24 | $0.54 |
| 2020 | -6.19% | $618.75 | $317.20 | $63.44 | $0.51 |
| 2019 | +13.39% | +$1338.72 | $325.15 | $65.03 | $0.52 |
| 2018 | -9.44% | $944.18 | $210.50 | $42.10 | $0.34 |
| 2017 | +21.77% | +$2177.12 | $321.91 | $64.38 | $0.51 |
| 2016 | +11.10% | +$1109.70 | $344.31 | $68.86 | $0.55 |
| 2015 | -6.05% | $604.90 | $325.81 | $65.16 | $0.52 |
| 2014 | +3.62% | +$362.27 | $408.81 | $81.76 | $0.65 |
| 2013 | +34.51% | +$3450.58 | $298.30 | $59.66 | $0.48 |
| 2012 | +29.86% | +$2985.65 | $466.17 | $93.23 | $0.75 |
| 2011 | -4.41% | $441.31 | $315.65 | $63.13 | $0.51 |
| 2010 | +48.12% | +$4811.71 | $429.39 | $85.89 | $0.69 |
| 2009 | +38.54% | +$3854.35 | $538.25 | $107.65 | $0.86 |
| 2008 | +2.28% | +$228.07 | $504.06 | $100.81 | $0.80 |
| 2007 | -7.34% | $734.24 | $405.86 | $81.18 | $0.65 |
| 2006 | +12.20% | +$1220.17 | $417.58 | $83.52 | $0.67 |
| 2005 | -10.13% | $1013.21 | $170.74 | $34.15 | $0.27 |
| 2004 | +1.79% | +$179.20 | $246.86 | $49.37 | $0.40 |
| 2003 | +11.88% | +$1187.57 | $255.38 | $51.08 | $0.40 |
| 2002 | +63.60% | +$6360.09 | $494.78 | $98.95 | $0.79 |
| 2001 | +22.61% | +$2260.87 | $413.93 | $82.78 | $0.67 |
| 2000 | -30.15% | $3014.70 | $0.00 | $0.00 | $0.00 |
| 1999 partial | -29.17% (-29.45% ann.) | $2916.67 | $0.00 | $0.00 | $0.00 |
Market Regimes
about| Regime | Period | Percentage | Annual | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|---|---|
| Dot-com bubble / TMT mania partial | January 4, 1999 – March 10, 2000 | -30.21% | -26.27% | $3020.83 | $0.00 | $0.00 | $0.00 |
| Dot-com bust / post-bubble disinflation scare | March 13, 2000 – October 9, 2002 | +28.65% | +10.28% | +$2864.61 | $610.98 | $122.19 | $0.97 |
| China-WTO / housing-credit / commodity boom | October 10, 2002 – October 9, 2007 | +28.67% | +5.17% | +$2866.78 | $1789.14 | $357.84 | $2.87 |
| GFC / deleveraging / dollar shortage | October 10, 2007 – March 9, 2009 | -11.48% | -8.27% | $1147.97 | $679.44 | $135.90 | $1.07 |
| Policy-led rebound / euro-sovereign-crisis overlay | March 10, 2009 – July 25, 2012 | +162.65% | +33.12% | +$16264.85 | $2265.20 | $453.04 | $3.63 |
| Secular stagnation / QE / low inflation / duration bull | July 26, 2012 – February 19, 2020 | +87.61% | +8.67% | +$8761.41 | $3291.02 | $658.21 | $5.27 |
| Pandemic shock / liquidity crash | February 20, 2020 – March 23, 2020 | -31.15% | -98.59% | $3115.28 | $87.96 | $17.59 | $0.14 |
| Policy bazooka / monetary euphoria | March 24, 2020 – November 6, 2020 | +15.25% | +25.65% | +$1524.50 | $229.46 | $45.89 | $0.37 |
| Reopening reflation / fiscal boom / supply bottlenecks | November 9, 2020 – November 29, 2021 | +33.31% | +31.36% | +$3331.27 | $407.49 | $81.50 | $0.65 |
| Inflation shock / duration crash / aggressive tightening | November 30, 2021 – November 9, 2022 | +17.25% | +18.41% | +$1725.05 | $318.33 | $63.67 | $0.51 |
| Disinflation rebound / AI-led narrow bull / higher-for-longer | November 10, 2022 – September 17, 2024 | -14.68% | -8.21% | $1467.65 | $575.84 | $115.17 | $0.92 |
| Disinflationary easing / resilient growth / AI capex under oil-shock test partial | September 18, 2024 – April 21, 2026 | +28.11% | +16.88% | +$2811.43 | $539.88 | $107.97 | $0.86 |
Dividend History
Annual Dividends Per Share
TTM Yield
—
Consecutive Years Paid
— current
Consecutive Years of Growth
— current
| Date | Per Share | Yield % |
|---|---|---|
| 2001-04-10 | $0.1326 | 1.28% |
| 2001-07-11 | $0.1326 | 1.10% |
| 2001-10-10 | $0.1381 | 1.26% |
| 2002-01-11 | $0.1381 | 1.22% |
| 2002-04-10 | $0.1423 | 0.99% |
| 2002-07-10 | $0.1437 | 0.98% |
| 2002-10-10 | $0.1479 | 0.87% |
| 2003-01-15 | $0.1521 | 0.83% |
| 2003-04-09 | $0.1564 | 0.79% |
| 2003-10-15 | $0.1622 | 0.86% |
| 2004-01-14 | $0.1622 | 0.79% |
| 2004-04-14 | $0.1665 | 0.80% |
| 2004-10-13 | $0.1707 | 0.93% |
| 2005-01-12 | $0.1707 | 0.83% |
| 2005-04-13 | $0.1750 | 0.82% |
| 2006-01-11 | $0.1811 | 1.01% |
| 2006-04-11 | $0.1854 | 0.94% |
| 2006-07-12 | $0.1855 | 0.99% |
| 2006-10-11 | $0.1916 | 0.98% |
| 2007-01-10 | $0.1916 | 0.96% |
| 2007-04-11 | $0.1959 | 0.92% |
| 2007-07-11 | $0.1961 | 1.01% |
| 2007-10-10 | $0.2023 | 1.07% |
| 2008-01-10 | $0.2023 | 1.15% |
| 2008-04-09 | $0.2067 | 1.12% |
| 2008-07-09 | $0.2070 | 0.98% |
| 2008-10-15 | $0.2132 | 1.22% |
| 2008-11-12 | $0.0444 | 0.24% |
| 2009-01-14 | $0.2132 | 1.22% |
| 2009-04-15 | $0.2176 | 1.17% |
| 2009-07-15 | $0.2180 | 1.12% |
| 2009-10-14 | $0.2243 | 1.07% |
| 2009-11-12 | $0.0449 | 0.20% |
| 2010-01-13 | $0.2243 | 0.94% |
| 2010-04-14 | $0.2288 | 0.93% |
| 2010-07-14 | $0.2261 | 0.93% |
| 2010-10-13 | $0.2333 | 0.81% |
| 2010-11-24 | $0.0673 | 0.21% |
| 2011-01-12 | $0.2333 | 0.63% |
| 2011-04-13 | $0.2378 | 0.71% |
| 2011-07-13 | $0.2351 | 0.68% |
| 2011-10-19 | $0.2422 | 0.79% |
| 2011-11-16 | $0.0897 | 0.29% |
| 2012-01-18 | $0.2647 | 0.87% |
| 2012-04-18 | $0.2692 | 0.82% |
| 2012-07-18 | $0.2691 | 0.71% |
| 2012-10-17 | $0.2764 | 0.68% |
| 2012-12-19 | $0.3443 | 0.85% |
| 2013-03-20 | $0.2583 | 0.57% |
| 2013-06-19 | $0.2578 | 0.58% |
| 2013-09-18 | $0.2712 | 0.59% |
| 2013-12-17 | $0.3663 | 0.76% |
| 2014-03-19 | $0.3663 | 0.73% |
| 2014-06-18 | $0.3661 | 0.73% |
| 2014-09-17 | $0.9610 | 1.87% |
| 2014-12-11 | $0.3844 | 0.75% |
| 2015-03-18 | $0.3892 | 0.79% |
| 2015-06-17 | $0.3892 | 0.81% |
| 2015-09-16 | $0.4901 | 1.09% |
| 2015-12-16 | $0.3940 | 0.86% |
| 2016-03-16 | $0.3988 | 0.85% |
| 2016-06-21 | $0.3988 | 0.87% |
| 2016-09-14 | $0.4036 | 0.81% |
| 2016-12-14 | $0.4036 | 0.84% |
| 2017-03-15 | $0.4084 | 0.81% |
| 2017-06-14 | $0.3892 | 0.72% |
| 2017-09-14 | $0.4132 | 0.78% |
| 2017-12-14 | $0.4132 | 0.70% |
| 2018-03-15 | $0.4180 | 0.70% |
| 2018-06-14 | $0.4222 | 0.70% |
| 2018-09-13 | $0.4271 | 0.70% |
| 2019-03-14 | $0.4319 | 0.75% |
| 2019-06-13 | $0.4319 | 0.73% |
| 2019-09-12 | $0.4368 | 0.78% |
| 2019-12-12 | $0.4368 | 0.74% |
| 2020-03-12 | $0.5387 | 0.99% |
| 2020-06-11 | $0.4416 | 0.83% |
| 2020-09-10 | $0.4465 | 0.97% |
| 2020-12-14 | $0.4465 | 0.94% |
| 2021-03-11 | $0.4513 | 0.81% |
| 2021-06-10 | $0.4465 | 0.75% |
| 2021-09-15 | $0.4562 | 0.75% |
| 2021-12-15 | $0.4562 | 0.78% |
| 2022-03-10 | $0.4610 | 0.75% |
| 2022-06-09 | $0.4656 | 0.69% |
| 2022-09-15 | $0.4705 | 0.63% |
| 2022-12-15 | $0.4705 | 0.63% |
| 2023-03-09 | $0.4754 | 0.59% |
| 2023-06-08 | $0.4802 | 0.54% |
| 2023-09-14 | $0.4851 | 0.97% |
| 2023-12-14 | $0.4851 | 0.77% |
| 2024-03-14 | $0.4851 | 1.14% |
| 2024-06-14 | $0.4850 | 1.13% |
| 2024-09-13 | $0.4900 | 0.90% |
| 2024-12-13 | $0.4900 | 0.69% |
| 2025-03-14 | $0.4950 | 0.88% |
| 2025-06-13 | $0.4900 | 0.81% |
| 2025-09-12 | $0.5000 | 0.78% |
| 2025-12-12 | $0.5000 | 0.80% |
| 2026-03-13 | $0.5000 | 0.84% |
| Total | 100 payments |
Portfolio Dividend Returns
Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-04-21 to 2026-04-21. Change
| Date | Total Yield | Tax | Trans. Cost | Shares Bought |
|---|---|---|---|---|
| 2021-06-10 | $77.97 | $15.59 | $0.12 | 1.0428 |
| 2021-09-15 | $80.14 | $16.03 | $0.13 | 1.0632 |
| 2021-12-15 | $80.62 | $16.13 | $0.13 | 1.1053 |
| 2022-03-10 | $81.99 | $16.40 | $0.13 | 1.0874 |
| 2022-06-09 | $83.32 | $16.66 | $0.13 | 0.9694 |
| 2022-09-15 | $84.65 | $16.93 | $0.13 | 0.9042 |
| 2022-12-15 | $85.07 | $17.01 | $0.14 | 0.9129 |
| 2023-03-09 | $86.39 | $17.28 | $0.14 | 0.9091 |
| 2023-06-08 | $87.69 | $17.54 | $0.14 | 0.7795 |
| 2023-09-14 | $88.98 | $17.80 | $0.14 | 1.4230 |
| 2023-12-14 | $89.67 | $17.93 | $0.14 | 1.1217 |
| 2024-03-14 | $90.21 | $18.04 | $0.14 | 1.7554 |
| 2024-06-14 | $91.03 | $18.21 | $0.15 | 1.7158 |
| 2024-09-13 | $92.81 | $18.56 | $0.15 | 1.3233 |
| 2024-12-13 | $93.46 | $18.69 | $0.15 | 1.0754 |
| 2025-03-14 | $94.95 | $18.99 | $0.15 | 1.3330 |
| 2025-06-13 | $94.64 | $18.93 | $0.15 | 1.3662 |
| 2025-09-12 | $97.26 | $19.45 | $0.15 | 1.2011 |
| 2025-12-12 | $97.86 | $19.57 | $0.16 | 1.2766 |
| 2026-03-13 | $98.50 | $19.70 | $0.16 | 1.3331 |
| Total | $1777.21 | $355.44 | $2.84 | 23.6985 |
All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.
For each rolling window, returns are calculated at every possible starting point:
return = (value[i] ÷ value[i − windowSize] − 1) × 100
- Windows
- 1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
- Statistics
- Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.
The series is segmented by calendar year:
return = (endValue ÷ startValue − 1) × 100
startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.