Citizens Financial Services, Inc.

NasdaqCM:CZFS Stock Report

Market Cap: US$319.6m

Citizens Financial Services Ownership

Who are the major shareholders and have insiders been buying or selling?

Recent Insider Transactions

NasdaqCM:CZFS Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
29 May 26BuyUS$2,101Stephen GuillaumeIndividual34US$61.78
28 May 26SellUS$1,555LeeAnn GephartIndividual24US$64.78
12 May 26BuyUS$8,914John PainterIndividual140US$63.67
06 Mar 26BuyUS$41,175John PainterIndividual675US$61.00
27 Feb 26BuyUS$742Stephen GuillaumeIndividual13US$57.06
28 Nov 25BuyUS$850Stephen GuillaumeIndividual16US$53.10
04 Nov 25BuyUS$1,194Randall BlackIndividual22US$54.25
03 Nov 25BuyUS$25,862Randall BlackIndividual478US$54.25
31 Aug 25BuyUS$740Stephen GuillaumeIndividual13US$56.96
22 Aug 25SellUS$180,000Thomas FreemanIndividual3,000US$60.00
08 Jul 25SellUS$835LeeAnn GephartIndividual14US$59.64
24 Jun 25SellUS$1,966LeeAnn GephartIndividual33US$59.58

Insider Trading Volume

Insider Buying: CZFS insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

What is the ownership structure of CZFS?
Owner TypeNumber of SharesOwnership Percentage
Individual Insiders305,9126.37%
Institutions1,436,08229.9%
General Public3,062,94263.7%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Top 25 shareholders own 29.94% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
6.89%
BlackRock, Inc.
331,294US$22.0m-1.37%no data
4.2%
Vanguard Capital Management, LLC
201,701US$13.4m0%no data
2.44%
Citizens & Northern Corporation
117,063US$7.8m0%1.74%
2.34%
Geode Capital Management, LLC
112,462US$7.5m1.44%no data
1.95%
State Street Global Advisors, Inc.
93,930US$6.2m-5.73%no data
1.44%
Roger Graham
69,312US$4.6m0.92%no data
0.96%
Randall Black
45,903US$3.1m0%no data
0.92%
American Century Investment Management Inc
44,186US$2.9m58.4%no data
0.85%
Hudock, Inc.
40,787US$2.7m2.16%0.35%
0.78%
Charles Schwab Investment Management, Inc.
37,616US$2.5m-3.58%no data
0.77%
Northern Trust Global Investments
37,087US$2.5m5.85%no data
0.64%
Vanguard Fiduciary Trust Company
30,546US$2.0m-0.16%no data
0.63%
Alletta Schadler
30,139US$2.0m0%no data
0.6%
Dimensional Fund Advisors LP
28,590US$1.9m16.8%no data
0.58%
Robert Landy
27,973US$1.9m0.14%no data
0.54%
Vanguard Portfolio Management, LLC
26,115US$1.7m0%no data
0.44%
Epoch Investment Partners, Inc.
21,214US$1.4m0%0.02%
0.43%
Segall Bryant & Hamill, LLC
20,701US$1.4m28.2%0.02%
0.43%
De Lisle Partners Llp
20,519US$1.4m13.9%0.15%
0.39%
Rinaldo DePaola
18,878US$1.3m0.53%no data
0.38%
Marshall Wace LLP
18,175US$1.2m146%no data
0.37%
The Goldman Sachs Group, Inc.
17,598US$1.2m109%no data
0.34%
Cyndeo Wealth Partners, LLC
16,293US$1.1m0.67%0.05%
0.32%
BNY Asset Management
15,463US$1.0m-21.3%no data
0.31%
Mickey Jones
14,897US$991.0k0.67%no data

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/16 23:28
End of Day Share Price 2026/06/16 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Financial Services, Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Daniel CardenasBrean Capital Historical (Janney Montgomery)