Citizens Financial Services, Inc. (CZFS) Ownership
CZFS ownership summary
as of October 17, 2026- Institutions
- 31.5% of shares outstanding
- Insiders
- 6.36% of shares outstanding
- Shares outstanding
- 4.8M
- Float
- 4.5M shares available to trade
- Short interest
- 1.51% 69K shares short
- Days to cover
- 1.84 short interest down 9.7% vs prior month
- Institutions 31.54%
- Insiders 6.36%
- Other investors 62.10%
CZFS top institutional holders
20 largest| # | Holder | % of shares | Shares | Value | Change | Reported |
|---|---|---|---|---|---|---|
| 1 | BlackRock Inc | 7.37% | 355K | $28.4M | +23,257 (+7.0%) | June 30, 2026 |
| 2 | Vanguard Capital Management, LLC | 4.17% | 201K | $16.1M | −912 (−0.5%) | June 30, 2026 |
| 3 | Geode Capital Management, LLC | 2.49% | 120K | $9.6M | +7,348 (+6.5%) | June 30, 2026 |
| 4 | Citizens & Northern Corp | 2.43% | 117K | $9.4M | — | June 30, 2026 |
| 5 | State Street Corp | 1.93% | 93K | $7.4M | −1,095 (−1.2%) | June 30, 2026 |
| 6 | Hudock Moyer Wealth Resources, LLC | 1.62% | 78K | $6.2M | +37,305 (+91.5%) | June 30, 2026 |
| 7 | American Century Companies Inc | 0.92% | 44K | $3.5M | −78 (−0.2%) | June 30, 2026 |
| 8 | Charles Schwab Investment Management Inc | 0.80% | 39K | $3.1M | +1,080 (+2.9%) | June 30, 2026 |
| 9 | Northern Trust Corp | 0.78% | 37K | $3.0M | +283 (+0.8%) | June 30, 2026 |
| 10 | Vanguard Fiduciary Trust Co | 0.67% | 32K | $2.6M | +1,646 (+5.4%) | June 30, 2026 |
| 11 | Dimensional Fund Advisors, Inc. | 0.66% | 32K | $2.5M | +3,049 (+10.7%) | June 30, 2026 |
| 12 | Vanguard Portfolio Management, LLC | 0.65% | 31K | $2.5M | +5,199 (+19.9%) | June 30, 2026 |
| 13 | Segall Bryant & Hamill | 0.43% | 21K | $1.7M | — | June 30, 2026 |
| 14 | Quantinno Capital Management LP | 0.42% | 20K | $1.6M | +6,545 (+47.3%) | June 30, 2026 |
| 15 | Cyndeo Wealth Partners LLC | 0.34% | 16K | $1.3M | +88 (+0.5%) | June 30, 2026 |
| 16 | Bank of New York Mellon Corp | 0.34% | 16K | $1.3M | +913 (+5.9%) | June 30, 2026 |
| 17 | The Goldman Sachs Group Inc | 0.25% | 12K | $958,919 | −5,616 (−31.9%) | June 30, 2026 |
| 18 | LAWOOD & CO | 0.22% | 11K | $858,402 | — | September 30, 2026 |
| 19 | CAMBRIDGE Invest RESEARCH ADVISORS, INC. | 0.21% | 10K | $817,106 | +5,229 (+105.0%) | June 30, 2026 |
| 20 | STRS OHIO | 0.20% | 9,800 | $784,294 | +3,400 (+53.1%) | June 30, 2026 |
Value at the latest close. Change = shares bought or sold in the latest quarterly filing (13F). In the top 20, 13 holders added 95K shares and 4 cut 7,701.
CZFS top mutual fund and ETF holders
20 largest| # | Holder | % of shares | Shares | Value | Change | Reported |
|---|---|---|---|---|---|---|
| 1 | Vanguard MStar Total Stk Mkt Idx Invest | 2.93% | 141K | $11.3M | — | August 31, 2026 |
| 2 | iShares Russell 2000 ETF | 2.59% | 125K | $10.0M | −1,408 (−1.1%) | September 30, 2026 |
| 3 | Avantis US Small Cap Value ETF | 1.53% | 74K | $5.9M | +408 (+0.6%) | September 30, 2026 |
| 4 | Fidelity Small Cap Index | 1.06% | 51K | $4.1M | +82 (+0.2%) | July 31, 2026 |
| 5 | iShares Russell 2000 Value ETF | 0.88% | 42K | $3.4M | +64 (+0.2%) | September 30, 2026 |
| 6 | Vanguard Russell 2000 ETF | 0.55% | 27K | $2.1M | +609 (+2.3%) | August 31, 2026 |
| 7 | Fidelity Extended Market Index | 0.51% | 25K | $2.0M | −132 (−0.5%) | August 31, 2026 |
| 8 | Schwab US Small-Cap ETF™ | 0.50% | 24K | $1.9M | +9 (+0.0%) | September 30, 2026 |
| 9 | VT De Lisle America B USD | 0.47% | 23K | $1.8M | — | September 30, 2026 |
| 10 | iShares Micro-Cap ETF | 0.31% | 15K | $1.2M | −102 (−0.7%) | September 30, 2026 |
| 11 | Schwab Small Cap Index | 0.23% | 11K | $901,138 | — | August 31, 2026 |
| 12 | U.S. Equity Small Cap Corporate Cl OF | 0.23% | 11K | $869,046 | — | June 30, 2026 |
| 13 | iShares Russell 2000 Small-Cap Idx Instl | 0.19% | 9,202 | $736,436 | — | August 31, 2026 |
| 14 | U.S. Equity Small Cap Pool A | 0.19% | 8,966 | $717,549 | — | June 30, 2026 |
| 15 | Fidelity Total Market Index | 0.18% | 8,435 | $675,053 | — | August 31, 2026 |
| 16 | Dimensional US Small Cap Value ETF | 0.17% | 8,004 | $640,560 | +227 (+2.9%) | September 24, 2026 |
| 17 | Avantis US Small Cap Equity ETF | 0.17% | 7,978 | $638,479 | +18 (+0.2%) | September 30, 2026 |
| 18 | Stt Strt SPDR® Russell2000 US SmCapETF | 0.16% | 7,470 | $597,824 | +352 (+4.9%) | August 31, 2026 |
| 19 | Fidelity Series Total Market Index | 0.15% | 7,369 | $589,741 | — | August 31, 2026 |
| 20 | DFA US Small Cap Value I | 0.15% | 7,181 | $574,695 | +1,905 (+36.1%) | August 31, 2026 |
Funds report holdings monthly or quarterly; dates differ by fund.
CZFS insider transactions
latest 9| Date | Name | Transaction | Price | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-27 | Stephen J Guillaume | Buy | $57.06 | 13 | $742 |
| 2025-11-28 | Stephen J Guillaume | Buy | $53.10 | 16 | $850 |
| 2025-11-04 | Randall E Black | Buy | $54.25 | 22 | $1,194 |
| 2025-11-03 | Randall E Black | Buy | $54.10 | 478 | $25,860 |
| 2025-08-31 | Stephen J Guillaume | Buy | $56.96 | 13 | $740 |
| 2025-07-08 | Leeann Gephart | Sell | $59.64 | 14 | $835 |
| 2025-06-24 | Leeann Gephart | Sell | $59.58 | 33 | $1,966 |
| 2025-05-30 | Stephen J Guillaume | Buy | $58.09 | 15 | $871 |
| 2025-05-06 | John P Painter II | Buy | $57.40 | 215 | $12,341 |
Reported trades by company officers, directors and other filers (including disclosures by members of Congress where EODHD lists them). "—" where the filing gives no share count.
CZFS shares outstanding
Year-end shares outstanding, adjusted for splits.
Who owns CZFS
Institutional investors own 31.5% of Citizens Financial Services's shares and insiders 6.36%. The largest holder is BlackRock Inc with 7.37% of the shares (355K), as of June 30, 2026. Among the top 20 institutions, 13 added shares and 4 reduced their stake in the latest filings. Short interest is 1.51% of the float, or 1.84 days of average trading volume. The share count rose 39.0% since 2014.
Related: CZFS analyst forecast, CZFS key metrics, CZFS dividend history. See the CZFS stock overview for the latest quote and news.
CZFS ownership FAQ
Who owns the most Citizens Financial Services stock?
The largest shareholders of Citizens Financial Services are BlackRock Inc (7.37%), Vanguard Capital Management, LLC (4.17%), Geode Capital Management, LLC (2.49%), Citizens & Northern Corp (2.43%), State Street Corp (1.93%).
What percentage of Citizens Financial Services is owned by institutions?
Institutions hold 31.5% of Citizens Financial Services's shares outstanding; insiders hold 6.36%.
Which funds own Citizens Financial Services?
The largest fund holders of Citizens Financial Services are Vanguard MStar Total Stk Mkt Idx Invest (2.93%), iShares Russell 2000 ETF (2.59%), Avantis US Small Cap Value ETF (1.53%), Fidelity Small Cap Index (1.06%), iShares Russell 2000 Value ETF (0.88%).
What is Citizens Financial Services's short interest?
69K shares of Citizens Financial Services were sold short, 1.51% of the float; at the average daily volume it would take 1.84 days to cover.
Are insiders buying or selling Citizens Financial Services?
Of the latest 9 reported insider transactions in Citizens Financial Services (since May 6, 2025), 7 were purchases and 2 were sales.
How many shares of Citizens Financial Services are outstanding?
Citizens Financial Services has 4.8M shares outstanding, of which 4.5M are in the public float.