$CZFS

$83.75 -$0.84 (0.99%) After hours

$CZFS Overview Financial Statements SEC Filings Executives News Red Flags Capital Raising Ownership Insider Transactions Congressional Trades

Ownership

13F as of Q2 2026 · 4.8M shares outstanding

Who owns CZFS?

By type of holder

Institutions 30.8% Insiders 0.9% Everyone else 68.4%

Concentration Top 10 holders own 23.2%

BlackRock, Inc. 7.4% · Vanguard Capital Management LLC 4.2%

Institutional ownership

30.8%

+1.7 pts vs last qtr

Institutional holders

0 vs last qtr

Net shares bought

+79.8K

by institutions in Q2 2026

New / sold out

5 / 5

positions opened vs closed

How is ownership changing?

Institutions, last 8 quarters

Biggest buyers in Q2 2026

Hudock, Inc. +37.3K
BlackRock, Inc. +23.3K

Biggest sellers in Q2 2026

Marshall Wace, LLP −9.1K
Morgan Stanley −6.6K

Who is planning to sell?

No insider has filed a notice of proposed sale (Form 144) for Citizens Financial Services Inc in the last 12 months.

Is your stake being diluted?

Diluted share count, FY2016–FY2025

+35.5%

+3.43% a year

Each share's claim on the business

−26.2%

shrank without buying or selling a share

Spent on buybacks vs paid in stock

$12.3M vs $4.01M

over 10 fiscal years

Diluted shares, split-adjusted

Buybacks Stock-based comp

How patient are the owners?

Institutional shares by how long they've been held

5+ years0% 3–5 years83% 1–3 years9% Under 1 year8%

Quarterly turnover

5.6%

of institutional shares changed hands

Top 10 managers, median time held

3.3 years

Super Investors

Investment managers reporting CZFS on Form 13F

Holder	Shares	% of company	Change vs last qtr	Held since	% of their book
B BlackRock, Inc.	354.6K	7.37%	+23.3K (+7.0%)	2023	0.0%
Shares held by quarter Peak holding354.6K (Q2'26) Change over 8 quarters+36.2K Share of the company7.370% BlackRock, Inc.'s full portfolio →
VC Vanguard Capital Management LLC	200.8K	4.17%	−912 (−0.5%)	2023	0.0%
Shares held by quarter Peak holding201.7K (Q1'26) Change over 8 quarters+200.8K Share of the company4.170% Vanguard Capital Management LLC's full portfolio →

BlackRock, Inc.

354.6K

% of company

7.37%

Change vs last qtr

+23.3K (+7.0%)

Held since

2023

Vanguard Capital Management LLC

200.8K

% of company

4.17%

Change vs last qtr

−912 (−0.5%)

Held since

2023

28 more super investors behind a free account

See every manager holding Citizens Financial Services Inc, how their position has changed, and how long they've held it.

Institutional Funds

Mutual funds and ETFs reporting CZFS on Form N-PORT; together they hold 14.8% of the company

Fund	Position value	Shares	% of company	% of the fund	As of
VT Vanguard Total Stock Market Index Fund Vanguard Index Funds	$10.2M	141.0K	2.93%	0.00%	June 30, 2026
IR iShares Russell 2000 ETF iShares Trust	$8.78M	121.1K	2.52%	0.01%	June 30, 2026

Vanguard Total Stock Market Index Fund

Vanguard Index Funds

Position value

$10.2M

% of company

2.93%

% of the fund

0.00%

As of

June 30, 2026

iShares Russell 2000 ETF

iShares Trust

Position value

$8.78M

% of company

2.52%

% of the fund

0.01%

As of

June 30, 2026

23 more funds behind a free account

See every fund holding Citizens Financial Services Inc and how much of the fund the position is.

Insiders and 5%+ holders

From Forms 3/4/5 and Schedules 13D/G

Holder	Shares	% of company	Change vs last qtr	8 quarters	Held since	% of their book
GR Graham Roger C JR Insider	23.0K	0.48%	—	—	—	—
Insider holdings come from Form 3/4/5 filings, which are not quarterly. Share of the company0.480% Graham Roger C JR's insider activity →
LR Landy R Joseph Insider	9.5K	0.20%	—	—	—	—
Insider holdings come from Form 3/4/5 filings, which are not quarterly. Share of the company0.200% Landy R Joseph's insider activity →

Graham Roger C JR

Insider

23.0K

% of company

0.48%

Change vs last qtr

—

Held since

—

Landy R Joseph

Insider

9.5K

% of company

0.20%

Change vs last qtr

—

Held since

—

5 more holders behind a free account

See every insider and 5%+ holder of Citizens Financial Services Inc.

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