BAC vs CZFS
Bank of America Corporation compared with Citizens Financial Services, Inc. on yield, payout growth, payment schedule, cost and risk.
BAC
Bank of America Corporation
TTM yield · Quarterly
CZFS
Citizens Financial Services, Inc.
TTM yield · Quarterly
Quick take
- CZFS yields more today: 2.48% vs 2.05% (forward).
- BAC has grown its payout faster: 9.1%/yr vs 8.4%/yr over the last 5 years.
- Both pay every quarter.
- CZFS has the longer streak of annual increases: 17 years vs 5.
- Over the last year CZFS delivered the higher total return: +40.5% vs +25.2% (price change plus payouts).
Generated from the latest data on both pages. Not a recommendation.
Side by side
| Metric | BAC | CZFS |
|---|---|---|
| Share price | $62.39 | $82.26 |
| TTM yield | 1.86% | 2.44% |
| Forward yield | 2.05% | 2.48% |
| Annual payout per share | $1.28 | $2.04 |
| Payment frequency | Quarterly | Quarterly |
| Next ex-date | Dec 4, 2026 (est.) | Sep 11, 2026 (declared) |
| Payout ratio (earnings) | 26% | 24% |
| 1-year payout growth | +9.4% | +2.3% |
| 5-year payout CAGR | +9.1% | +8.4% |
| Consecutive years of increases | 5 years | 17 years |
| Payout consistency (last 12) | 92/100 | 98/100 |
| 1-year total return | +25.2% | +40.5% |
| 1-year price return | +23.0% | +37.2% |
| Size (market cap / AUM) | 436.3B | 395.7M |
| Years paying | 40.3 | 25.4 |
| Payout risk (heuristic) | Low | Low |
| Sector / category | Financial Services | Financial Services |
✓ marks the more favourable figure where one exists (higher yield, growth, streak, consistency, return and size; lower cost, payout ratio and risk).
$10,000 invested today
| BAC | CZFS | |
|---|---|---|
| Shares | 160.3 | 121.6 |
| Income per year | $205 | $248 |
| Income per month (avg) | $17 | $21 |
At forward yields, before taxes. Model BAC · Model CZFS
Next payments
| Ex-date | Pay date | Per share | Status |
|---|---|---|---|
| BAC Dec 4, 2026 | Dec 18, 2026 | $0.32 | Est. |
| BAC Mar 5, 2027 | Mar 19, 2027 | $0.32 | Est. |
| BAC Jun 4, 2027 | Jun 18, 2027 | $0.32 | Est. |
| CZFS Sep 11, 2026 | Sep 25, 2026 | $0.51 | Declared |
| CZFS Dec 11, 2026 | Dec 25, 2026 | $0.51 | Est. |
| CZFS Mar 12, 2027 | Mar 26, 2027 | $0.51 | Est. |
Annual payouts per share
BACCZFS
Regular payments only; the current year is year to date. Per-share amounts are not directly comparable when share prices differ, so read this chart for growth trends.
FAQ
Which has the higher dividend yield, BAC or CZFS?
CZFS currently has the higher trailing yield: BAC yields 1.86% and CZFS yields 2.44%. Yield changes daily with price, so check the live figures above.
How often do BAC and CZFS pay?
BAC pays every quarter and CZFS pays every quarter. BAC's next ex-date is Dec 4, 2026 and CZFS's is Sep 11, 2026.
Which has grown its dividend faster, BAC or CZFS?
BAC has grown its payout faster: 9.1%/yr vs 8.4%/yr over the last 5 years.
Is BAC or CZFS better for income?
It depends on what you are optimising for. BAC and CZFS differ in yield, growth, payment schedule and risk profile; the table above puts every metric side by side so you can weigh them for your own goals. This page is data, not advice.