CZFS vs SPY
Comparison between Citizens Financial Services Inc (CZFS, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).
5-Year PerformanceSPY has outperformed CZFS, delivering a return of +14.0% compared to +4.5%
CZFS vs SPY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
CZFS vs SPY - Historical Returns
Returns include dividend reinvestment.
CZFS vs SPY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | CZFS | SPY |
|---|---|---|
| 2026 | +13.53% | +10.71% |
| 2025 | -3.27% | +18.00% |
| 2024 | +3.35% | +25.59% |
| 2023 | -12.16% | +26.72% |
| 2022 | +31.15% | -18.64% |
| 2021 | +14.87% | +30.52% |
| 2020 | -4.54% | +17.28% |
| 2019 | +12.77% | +31.09% |
| 2018 | -7.82% | -5.24% |
| 2017 | +34.26% | +20.78% |
| 2016 | +13.55% | +13.59% |
| 2015 | -3.03% | +1.31% |
| 2014 | +8.49% | +14.56% |
| 2013 | +38.27% | +29.00% |
| 2012 | +29.99% | +14.17% |
| 2011 | -3.11% | +0.85% |
| 2010 | +47.79% | +13.14% |
| 2009 | +39.87% | +22.67% |
| 2008 | +3.26% | -36.25% |
| 2007 | -7.53% | +5.32% |
| 2006 | +13.12% | +13.85% |
| 2005 | -8.95% | +5.32% |
| 2004 | +4.26% | +10.75% |
| 2003 | +13.19% | +24.18% |
| 2002 | +64.92% | -22.42% |
| 2001 | +25.02% | -10.13% |
| 2000 | N/A | -8.84% |
| 1999 | N/A | +8.61% |
CZFS vs SPY Drawdown Comparison
The maximum drawdown for CZFS was -54.99%, occurring on Apr 26, 2024. This drawdown has not yet recovered.
The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.
The current CZFS drawdown is -23.70%. The current SPY drawdown is -0.70%.
| Rank | CZFS | SPY |
|---|---|---|
| #1 | -54.99% Jun 12, 2023 - Apr 26, 2024 | -55.20% Oct 9, 2007 - Aug 16, 2012 |
| #2 | -40.57% Feb 14, 2020 - Jul 6, 2021 | -47.50% Mar 24, 2000 - Oct 26, 2006 |
| #3 | -25.83% Jul 31, 2008 - Jul 20, 2009 | -33.70% Feb 19, 2020 - Aug 10, 2020 |
| #4 | -24.55% Apr 29, 2003 - Apr 5, 2007 | -24.50% Jan 3, 2022 - Dec 13, 2023 |
| #5 | -22.37% Aug 29, 2022 - Feb 6, 2023 | -19.34% Sep 20, 2018 - Apr 12, 2019 |
| #6 | -22.21% Apr 19, 2007 - May 7, 2008 | -18.76% Feb 19, 2025 - Jun 26, 2025 |
| #7 | -18.25% Feb 10, 2023 - Apr 10, 2023 | -13.02% Jul 20, 2015 - Apr 18, 2016 |
| #8 | -17.50% Jul 29, 2011 - May 8, 2012 | -10.10% Jan 26, 2018 - Aug 6, 2018 |
| #9 | -17.23% Mar 19, 2014 - Oct 11, 2016 | -9.44% Sep 2, 2020 - Nov 11, 2020 |
| #10 | -16.91% Apr 20, 2023 - Jun 7, 2023 | -9.30% Jan 19, 2000 - Mar 17, 2000 |
| #11 | -13.27% Oct 2, 2018 - Mar 29, 2019 | -9.05% Jul 19, 2007 - Oct 5, 2007 |
| #12 | -11.51% Jan 11, 2011 - Jul 29, 2011 | -8.88% Jan 27, 2026 - Apr 14, 2026 |
| #13 | -11.11% Jul 31, 2009 - Oct 21, 2009 | -8.41% Jul 16, 2024 - Sep 19, 2024 |
| #14 | -10.45% Aug 17, 2010 - Nov 3, 2010 | -7.35% Sep 14, 2012 - Jan 2, 2013 |
| #15 | -10.17% Apr 30, 2010 - Jul 19, 2010 | -7.27% Sep 18, 2014 - Oct 31, 2014 |
Correlation
Correlation between CZFS and SPY is 0.87 which considered as a strong positive correlation - the stocks tend to move together.
Dividend Comparison (1999 - 2026)
CZFS vs SPY dividend yield comparison.
| Year | CZFS | SPY |
|---|---|---|
| 2026 | 0.80% | 0.24% |
| 2025 | 3.49% | 1.07% |
| 2024 | 3.09% | 1.21% |
| 2023 | 3.75% | 1.40% |
| 2022 | 2.48% | 1.65% |
| 2021 | 3.08% | 1.20% |
| 2020 | 3.44% | 1.52% |
| 2019 | 2.90% | 1.75% |
| 2018 | 2.35% | 2.04% |
| 2017 | 2.68% | 1.80% |
| 2016 | 3.14% | 2.03% |
| 2015 | 3.53% | 2.06% |
| 2014 | 4.04% | 1.87% |
| 2013 | 2.27% | 1.81% |
| 2012 | 2.96% | 2.18% |
| 2011 | 3.35% | 2.05% |
| 2010 | 2.97% | 1.80% |
| 2009 | 3.98% | 1.95% |
| 2008 | 5.05% | 3.02% |
| 2007 | 4.50% | 1.85% |
| 2006 | 3.80% | 1.73% |
| 2005 | 3.92% | 1.73% |
| 2004 | 3.26% | 1.82% |
| 2003 | 3.09% | 1.47% |
| 2002 | 3.08% | 1.70% |
| 2001 | 4.54% | 1.25% |
| 2000 | 0.00% | 1.15% |
| 1999 | 0.00% | 0.24% |
Select Stocks to Compare
More Comparisons
Compare with similar stocks