What if you'd held CZFS?
A $1,000 investment in Citizens Financial Services, Inc. (CZFS) at the month-end close of 1999-01 would be worth $10,958 at the close of 2026-08 — +995.8% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $9,896.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1999
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1999 | $1,000 | — |
| 2000 | $699 | -30.1% |
| 2001 | $863 | +23.4% |
| 2002 | $1,423 | +64.9% |
| 2003 | $1,600 | +12.5% |
| 2004 | $1,639 | +2.4% |
| 2005 | $1,478 | -9.8% |
| 2006 | $1,671 | +13.0% |
| 2007 | $1,562 | -6.5% |
| 2008 | $1,612 | +3.2% |
| 2009 | $2,256 | +39.9% |
| 2010 | $3,368 | +49.3% |
| 2011 | $3,241 | -3.8% |
| 2012 | $4,242 | +30.9% |
| 2013 | $5,737 | +35.2% |
| 2014 | $5,998 | +4.5% |
| 2015 | $5,677 | -5.4% |
| 2016 | $6,351 | +11.9% |
| 2017 | $7,781 | +22.5% |
| 2018 | $7,077 | -9.0% |
| 2019 | $8,075 | +14.1% |
| 2020 | $7,634 | -5.5% |
| 2021 | $8,533 | +11.8% |
| 2022 | $11,194 | +31.2% |
| 2023 | $9,816 | -12.3% |
| 2024 | $10,082 | +2.7% |
| 2025 | $9,385 | -6.9% |
| 2026 | $13,542 | +44.3% |
Best and worst month-end to buy
The best single month-end close to have bought CZFS was 2000-07 ($3.60): $1,000 then is $22,494 today. The worst was 2026-08 ($80.98): $1,000 then is $1,000.
FAQ
What would $1,000 in CZFS be worth today?
A $1,000 investment in Citizens Financial Services, Inc. (CZFS) at the start of 1999 would be worth about $10,958 today, a total return of +995.8%. Dividends are reinvested in these figures.
What were the best and worst years for CZFS?
Citizens Financial Services, Inc. (CZFS)'s strongest calendar year since 1999 was 2002, a +64.9% return — $1,000 held through that year became about $1,649 by year-end. Its weakest year was 2000, at -30.1%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in CZFS have grown?
Investing $100 at the end of every month since 1999-01 would have grown to about $184,604 on $33,200 invested.
Did CZFS beat the S&P 500?
Over the same period, $1,000 in the S&P 500 with dividends reinvested (the S&P 500 Total Return index) would be worth $9,896. CZFS beat the S&P 500 by +10.7% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Citizens Financial Services, Inc. (CZFS) historical total-return data from 1999-01 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices — adjusted for stock splits and reinvested dividends, the same convention used by major brokerages. End-of-day and live prices come from EODHD; parts of the deep historical series are carried over from Yahoo Finance data. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (EODHD): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via EODHD and Yahoo Finance. As of 2026-08. Not financial advice.