Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.54%.
YIELD ON COST (YOC)
2.54%
CZFS now pays $2.02 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-10-03) | $43.98 | 4.59% |
| 5 years ago(2021-09-29) | $59.58 | 3.39% |
| 3 years ago(2023-10-02) | $45.77 | 4.41% |
| 1 year ago(2025-10-06) | $57.84 | 3.49% |
| Buying today(at $79.65) | $79.65 | 2.54% |
Projection: starting from today's 2.54% yield, assuming the dividend keeps compounding at 2.4% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.54%
In 3 years
2.73%
In 5 years
2.86%
In 10 years
3.22%
Try your own purchase price, dividend and growth rate for Citizens Financial Services, Inc. (CZFS).
Starting Yield
2.54%
Ending YOC
3.04%
Year 15 Dividend
$2.42
Cum. Dividends Recd.
$33.43
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $2.02 | N/A | 2.54% | $0.00 |
| Year 1 | $2.04 | +1.22% | 2.57% | $2.04 |
| Year 2 | $2.07 | +1.22% | 2.60% | $4.11 |
| Year 3 | $2.09 | +1.22% | 2.63% | $6.21 |
| Year 4 | $2.12 | +1.22% | 2.66% | $8.33 |
| Year 5 | $2.15 | +1.22% | 2.69% | $10.48 |
| Year 6 | $2.17 | +1.22% | 2.73% | $12.65 |
| Year 7 | $2.20 | +1.22% | 2.76% | $14.85 |
| Year 8 | $2.23 | +1.22% | 2.79% | $17.07 |
| Year 9 | $2.25 | +1.22% | 2.83% | $19.33 |
| Year 10 | $2.28 | +1.22% | 2.86% | $21.61 |
| Year 11 | $2.31 | +1.22% | 2.90% | $23.91 |
| Year 12 | $2.34 | +1.22% | 2.93% | $26.25 |
| Year 13 | $2.36 | +1.22% | 2.97% | $28.62 |
| Year 14 | $2.39 | +1.22% | 3.01% | $31.01 |
| Year 15 | $2.42 | +1.22% | 3.04% | $33.43 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
