Citizens Financial Services Inc (CZFS) returns
Citizens Financial Services returns over 10 years
$1,000 invested in Citizens Financial Services ten years ago was worth $2,565 at the close on October 30, 2026, with dividends reinvested: an average return of 9.9% a year. The same $1,000 in the S&P 500 (SPY) became $4,166.
Total return by period
| Period | Total return | A year, on average | $1,000 became | S&P 500 (SPY) |
|---|---|---|---|---|
| 1 month | +8.6% | — | $1,086 | -0.9% |
| 3 months | +12.4% | — | $1,124 | +2.1% |
| Year to date | +53.0% | — | $1,530 | +11.7% |
| 1 year | +62.1% | — | $1,621 | +12.4% |
| 3 years | +95.0% | +24.9% | $1,950 | +88.5% |
| 5 years | +67.9% | +10.9% | $1,679 | +76.0% |
| 10 years | +156.5% | +9.9% | $2,565 | +316.6% |
Citizens Financial Services return by calendar year
| Year | CZFS | S&P 500 (SPY) | Difference |
|---|---|---|---|
| 2026 to date | +53.0% | +11.7% | +41.3% |
| 2025 | -6.9% | +17.7% | -24.6% |
| 2024 | +2.7% | +24.9% | -22.2% |
| 2023 | -11.8% | +26.2% | -38.0% |
| 2022 | +31.2% | -18.2% | +49.3% |
| 2021 | +11.8% | +28.7% | -17.0% |
| 2020 | -4.5% | +18.4% | -22.9% |
| 2019 | +15.2% | +31.2% | -16.0% |
| 2018 | -9.1% | -4.6% | -4.5% |
| 2017 | +28.7% | +21.7% | +7.0% |
| 2016 | +13.0% | +12.0% | +1.0% |
Past returns do not predict future returns. Returns are computed from our daily closes, adjusted for splits and with dividends reinvested on their ex-dates; taxes and trading costs are left out.
See also: CZFS valuation
No forecast, no recommendation. This page describes Citizens Financial Services Inc from published data; it is not advice to buy, sell or hold any security.
Figures as of the close on Oct 30, 2026 unless a row says otherwise. Prices are split adjusted; returns include dividends reinvested. Data may be delayed. See the disclaimer and how TrendArc works.