Citizens Financial Services, Inc.
Citizens Financial Services, Inc. (CZFS) Stock Ownership
Institutional vs insider vs public ownership from 13F and float data — top holders, activity, and insider trades below.
SEC 13F · FMP · CZFS · as of Sep 30, 2025
Ownership Breakdown
79
Institutional Holders
▲ 8 vs Q2
$78.29M
Total Inst. Value
▲ $3.08M vs Q2
4.80M
Shares Outstanding
freeFloat 93.63%
1.30M
13F Shares Held
▲ 16,887 vs Q2
Institutional ownership = 13F shares ÷ total outstanding. Insider % = 100 − free float. Public % = free float − institution %. Data: FMP /symbol-positions-summary + /shares-float + SEC EDGAR.
Top Institutional Holders
CZFS largest shareholders · institutional ownership
Q3 2025 · SEC 13F
Showing top 10 holders
| Holder | Shares | % Owned | Weight | Value | Reported | Change |
|---|---|---|---|---|---|---|
BLACKROCK, INC. state commercial banks | 320.5K | 6.68% | 6.68% | $19.32B | Nov 12, 2025 | ▲ 647 |
VANGUARD GROUP INC state commercial banks | 246.7K | 5.14% | 5.14% | $14.87B | Nov 7, 2025 | ▲ 2.0K |
CITIZENS & NORTHERN CORP state commercial banks | 117.1K | 2.44% | 2.44% | $7.06B | Oct 24, 2025 | — held |
GEODE CAPITAL MANAGEMENT, LLC state commercial banks | 109.5K | 2.28% | 2.28% | $6.60B | Nov 12, 2025 | ▲ 3.1K |
STATE STREET CORP state commercial banks | 99.7K | 2.08% | 2.08% | $6.01B | Nov 14, 2025 | ▲ 262 |
HUDOCK, INC. state commercial banks | 40.3K | 83.94% | 83.94% | $2.43B | Oct 24, 2025 | ▼ 845 |
CHARLES SCHWAB INVESTMENT MANAGEMENT INC state commercial banks | 39.0K | 81.36% | 81.36% | $2.35B | Nov 10, 2025 | ▲ 1.7K |
NORTHERN TRUST CORP state commercial banks | 37.5K | 78.23% | 78.23% | $2.26B | Nov 14, 2025 | ▼ 322 |
AMERICAN CENTURY COMPANIES INC state commercial banks | 27.9K | 58.17% | 58.17% | $1.68B | Nov 12, 2025 | ▼ 436 |
SEGALL BRYANT & HAMILL, LLC state commercial banks | 27.3K | 56.88% | 56.88% | $1.64B | Nov 12, 2025 | ▼ 246 |
Data from SEC Form 13F filings. Ownership bar normalised to largest holder. Change flags: isNew / isSoldOut / changeInSharesNumber (FMP extract-analytics/holder).
Institutional Activity
Q3 2025 vs prior quarter
Q3 2025
19
Increased
+30.2K shares6
New Positions
first time holders19
Decreased
−19.3K shares0
Sold Out
fully exitedNet shares change (top 50)
+10.9K
+30.2K / −19.3K
Net new holders
+6
6 new / 0 exited
Based on top 50 institutional holders by position size. Fields: isNew, isSoldOut, changeInSharesNumber (FMP extract-analytics/holder, limit=50).
Insider Buying vs Selling
CZFS insider trading · insider activity
Source: SEC Form 4
Insiders have been net buyers of shares recently. Selling may be driven by pre-scheduled Rule 10b5-1 plans rather than negative sentiment.
12
Buy transactions
2
Sell transactions
6.00
Buy/Sell ratio
$0M
Total disposed
Recent Insider Transactions
Showing 10 most recent · Common Stock only
| Name · Role | Date | Type | Shares | Price | Value | After Trans. | Filing |
|---|---|---|---|---|---|---|---|
Guillaume Stephen J SENIOR VICE PRESIDENT | May 29, 2026 | Purchase | 34 | $61.78 | $2.1K | 4.7K | Form 4 ↗ |
Gephart LeeAnn EXECUTIVE VICE PRESIDENT | May 28, 2026 | Sale | 24 | $64.78 | $1.6K | 837 | Form 4 ↗ |
Painter John P II director | May 12, 2026 | Purchase | 140 | $63.67 | $8.9K | 3.7K | Form 4 ↗ |
LANDY R JOSEPH director | May 4, 2026 | Gift | 40 | — | — | 28.0K | Form 4 ↗ |
Hilfiger Janie M director | Apr 30, 2026 | Award | 99 | — | — | 3.8K | Form 4 ↗ |
Painter John P II director | Apr 30, 2026 | Award | 99 | — | — | 3.5K | Form 4 ↗ |
BOWER JOSEPH B JR director | Apr 30, 2026 | Award | 99 | — | — | 1.9K | Form 4 ↗ |
Chappell Robert W director | Apr 30, 2026 | Award | 99 | — | — | 12.9K | Form 4 ↗ |
Freeman Thomas E. director | Apr 30, 2026 | Award | 99 | — | — | 13.2K | Form 4 ↗ |
KUNES CHRISTOPHER W director | Apr 30, 2026 | Award | 99 | — | — | 13.0K | Form 4 ↗ |
Source: /insider-trading/search (FMP stable). Buy/Sell direction: acquisitionOrDisposition A=Buy, D=Sell. RSU vesting (M-Exempt) excluded from sentiment bar. All data from SEC EDGAR public filings.
About institutional & insider ownership
Citizens Financial Services, Inc. (CZFS) is primarily owned by institutional investors, who hold approximately 27.0% of total shares outstanding. Company insiders own approximately 6.37%, while retail and public investors account for the remaining 66.63%.
The largest institutional shareholder of Citizens Financial Services, Inc. is BLACKROCK, INC., holding approximately 320,509 shares — equal to 6.68% of outstanding shares — as of September 30, 2025.
A total of 79 institutional investors currently hold CZFS stock, with a combined institutional value of approximately $78,292,208 as of the most recent 13F filing period.
Frequently asked questions
CZFS ownershipCitizens Financial Services, Inc. (CZFS) is primarily owned by institutional investors, who hold approximately 27.0% of shares. The largest shareholder is BLACKROCK, INC. with a 6.68% stake. Company insiders hold 6.37%. Data sourced from SEC Form 13F as of September 30, 2025.