CZFS vs MA
Citizens Financial Services, Inc. compared with Mastercard Incorporated on yield, payout growth, payment schedule, cost and risk.
CZFS
Citizens Financial Services, Inc.
TTM yield · Quarterly
MA
Mastercard Incorporated
TTM yield · Quarterly
Quick take
- CZFS yields more today: 2.48% vs 0.61% (forward).
- MA has grown its payout faster: 14.4%/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 14.
- Over the last year CZFS delivered the higher total return: +40.5% vs -3.5% (price change plus payouts).
Generated from the latest data on both pages. Not a recommendation.
Side by side
| Metric | CZFS | MA |
|---|---|---|
| Share price | $82.26 | $570.89 |
| TTM yield | 2.44% | 0.59% |
| Forward yield | 2.48% | 0.61% |
| Annual payout per share | $2.04 | $3.48 |
| Payment frequency | Quarterly | Quarterly |
| Next ex-date | Sep 11, 2026 (declared) | Oct 8, 2026 (est.) |
| Payout ratio (earnings) | 24% | 18% |
| 1-year payout growth | +2.3% | +14.6% |
| 5-year payout CAGR | +8.4% | +14.4% |
| Consecutive years of increases | 17 years | 14 years |
| Payout consistency (last 12) | 98/100 | 87/100 |
| 1-year total return | +40.5% | -3.5% |
| 1-year price return | +37.2% | -4.1% |
| Size (market cap / AUM) | 395.7M | 500.1B |
| Years paying | 25.4 | 19.9 |
| 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
| CZFS | MA | |
|---|---|---|
| Shares | 121.6 | 17.5 |
| Income per year | $248 | $61 |
| Income per month (avg) | $21 | $5 |
At forward yields, before taxes. Model CZFS · Model MA
Next payments
| Ex-date | Pay date | Per share | Status |
|---|---|---|---|
| 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. |
| MA Oct 8, 2026 | Oct 22, 2026 | $0.87 | Est. |
| MA Jan 7, 2027 | Jan 21, 2027 | $0.87 | Est. |
| MA Apr 8, 2027 | Apr 22, 2027 | $0.87 | Est. |
Annual payouts per share
CZFSMA
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, CZFS or MA?
CZFS currently has the higher trailing yield: CZFS yields 2.44% and MA yields 0.59%. Yield changes daily with price, so check the live figures above.
How often do CZFS and MA pay?
CZFS pays every quarter and MA pays every quarter. CZFS's next ex-date is Sep 11, 2026 and MA's is Oct 8, 2026.
Which has grown its dividend faster, CZFS or MA?
MA has grown its payout faster: 14.4%/yr vs 8.4%/yr over the last 5 years.
Is CZFS or MA better for income?
It depends on what you are optimising for. CZFS and MA 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.