Top 3 Dividend Stocks To Enhance Your Portfolio

As the U.S. stock market navigates a mixed landscape ahead of the Federal Reserve's anticipated interest rate decision, investors remain optimistic despite economic uncertainties and recent fluctuations in major indices. In this environment, dividend stocks can offer stability and income potential, making them an attractive option for enhancing portfolios amidst evolving market dynamics.

Top 10 Dividend Stocks In The United States

Click here to see the full list of 121 stocks from our Top US Dividend Stocks screener.

Underneath we present a selection of stocks filtered out by our screen.

Citizens Financial Services (CZFS)

Simply Wall St Dividend Rating: ★★★★☆☆

Overview: Citizens Financial Services, Inc. is a bank holding company offering a range of banking products and services to individual, business, governmental, and institutional customers with a market cap of $293.33 million.

Operations: Citizens Financial Services, Inc. generates revenue primarily through its Community Banking segment, which accounts for $107.40 million.

Dividend Yield: 3.3%

Citizens Financial Services recently affirmed a quarterly dividend of US$0.50 per share, maintaining its reliable and stable dividend history over the past decade. With a payout ratio of 27.7%, dividends are well covered by earnings, though the yield of 3.28% is below top-tier U.S. dividend payers. Despite trading at 30.7% below estimated fair value, recent earnings growth and low net charge-offs reflect financial strength, supporting continued dividend stability amidst modest buyback activity.

• Navigate through the intricacies of Citizens Financial Services with our comprehensive dividend report here.
• According our valuation report, there's an indication that Citizens Financial Services' share price might be on the cheaper side.

First Financial (THFF)

Simply Wall St Dividend Rating: ★★★★☆☆

Overview: First Financial Corporation, with a market cap of $732.73 million, operates through its subsidiaries to offer a range of financial products and services across regions including west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia.

Operations: First Financial Corporation generates revenue primarily from its banking segment, which accounts for $245.26 million.

Dividend Yield: 3.3%

First Financial's dividend yield of 3.3% is modest compared to top-tier U.S. payers, and its dividends have been volatile over the past decade. However, with a low payout ratio of 32.6%, dividends are well covered by earnings and forecasted to remain so in three years at 29.5%. The company trades at a significant discount to fair value and reported strong earnings growth recently, enhancing its financial stability despite past dividend unreliability.

• Click here and access our complete dividend analysis report to understand the dynamics of First Financial.
• Insights from our recent valuation report point to the potential undervaluation of First Financial shares in the market.

FinVolution Group (FINV)

Simply Wall St Dividend Rating: ★★★★☆☆

Overview: FinVolution Group is an investment holding company that operates in the online consumer finance industry across the People's Republic of China, Indonesia, and internationally, with a market cap of approximately $1.31 billion.

Operations: The company's revenue primarily comes from its Internet Software & Services segment, generating CN¥14.02 billion.

Dividend Yield: 5.5%

FinVolution Group's dividend yield of 5.54% ranks in the top 25% among U.S. dividend payers, supported by low payout ratios: earnings (18.3%) and cash flow (28.5%). Despite a volatile seven-year dividend history, recent earnings reports show steady revenue growth to CNY 10.55 billion for nine months ending September 2025, with net income rising to CNY 2.12 billion. The company trades significantly below fair value and has completed a $36.56 million share buyback program.

• Get an in-depth perspective on FinVolution Group's performance by reading our dividend report here.
• Our comprehensive valuation report raises the possibility that FinVolution Group is priced lower than what may be justified by its financials.

Turning Ideas Into Actions

• Investigate our full lineup of 121 Top US Dividend Stocks right here.
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Interested In Other Possibilities?

• Explore high-performing small cap companies that haven't yet garnered significant analyst attention.
• Fuel your portfolio with companies showing strong growth potential, backed by optimistic outlooks both from analysts and management.
• Find companies with promising cash flow potential yet trading below their fair value.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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