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
Date	Value	Name	Entity	Shares	Max Price
29 Nov 24	BuyUS$872	Stephen Guillaume	Individual	13	US$67.08
20 Nov 24	SellUS$8,410	David Richards	Individual	121	US$69.50
04 Nov 24	BuyUS$16,429	John Painter	Individual	290	US$56.65
30 Aug 24	SellUS$27,435	David Richards	Individual	500	US$54.87
30 Apr 24	BuyUS$12,000	Stephen Guillaume	Individual	303	US$39.60
21 Feb 24	BuyUS$24,000	Randall Black	Individual	505	US$47.52

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 Type	Number of Shares	Ownership Percentage
Individual Insiders	327,369	6.88%
Institutions	1,149,850	24.2%
General Public	3,282,511	69%

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

Top Shareholders

Top 25 shareholders own 27.42% of the company

Ownership	Name	Shares	Current Value	Change %	Portfolio %
6.69%	BlackRock, Inc.	318,343	US$20.4m	4.17%	no data
5.01%	The Vanguard Group, Inc.	238,583	US$15.3m	1.81%	no data
2.15%	Geode Capital Management, LLC	102,399	US$6.6m	1.1%	no data
1.87%	Citizens & Northern Corp., Asset Management Arm	89,229	US$5.7m	1%	1.71%
1.51%	State Street Global Advisors, Inc.	72,070	US$4.6m	2.25%	no data
1.36%	Roger Graham	64,874	US$4.2m	0.97%	no data
0.91%	Randall Black	43,422	US$2.8m	0%	no data
0.86%	Hudock, Inc.	41,116	US$2.6m	0.21%	0.46%
0.83%	Northern Trust Global Investments	39,698	US$2.5m	13.4%	no data
0.76%	Robert Marino	36,179	US$2.3m	0%	no data
0.73%	Charles Schwab Investment Management, Inc.	34,607	US$2.2m	-2.46%	no data
0.62%	Alletta Schadler	29,651	US$1.9m	0.22%	no data
0.57%	Robert Landy	27,037	US$1.7m	-0.3%	no data
0.42%	BNY Asset Management	19,960	US$1.3m	-16%	no data
0.38%	Rinaldo DePaola	18,228	US$1.2m	0.36%	no data
0.32%	De Lisle Partners Llp	15,354	US$985.9k	1%	0.16%
0.31%	Thomas Freeman	14,860	US$954.2k	1.3%	no data
0.31%	Mickey Jones	14,563	US$935.1k	0%	no data
0.29%	Morgan Stanley, Investment Banking and Brokerage Investments	13,660	US$877.1k	109%	no data
0.27%	John Behm	13,031	US$836.7k	0%	no data
0.27%	Terry Osborne	12,675	US$813.9k	0.52%	no data
0.26%	Christopher Kunes	12,162	US$780.9k	4.04%	no data
0.25%	Robert Chappell	11,752	US$754.6k	1.29%	no data
0.23%	Great Lakes Advisors, LLC	10,961	US$703.8k	10.2%	0.01%
0.23%	Goldman Sachs Group, Investment Banking and Securities Investments	10,875	US$698.3k	111%	no data

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/31 22:34
End of Day Share Price	2024/12/31 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

Citizens Financial Services, Inc. is covered by 2 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.

Analyst	Institution
James Beury	Boenning & Scattergood, Inc.
Jacob Civiello	Janney Montgomery Scott LLC