Citizens Financial Services Ownership | Who Owns Citizens Financial Services?

Citizens Financial Services Ownership Summary

Citizens Financial Services is owned by 20.25% institutional investors, 6.35% insiders, and 73.40% retail investors. Blackrock funding, inc. /de is the largest institutional shareholder, holding 6.91% of CZFS shares. Vanguard US Total Market Shares ETF is the top mutual fund, with 2.99% of its assets in Citizens Financial Services shares.

CZFS Ownership Benchmark

Type	Name	% Inst	% Insiders	% Retail
Stock	Citizens Financial Services	20.25%	6.35%	73.40%
Sector	Financial Services Stocks	37.05%	15.59%	47.36%
Industry	Regional Banks Stocks	38.44%	12.57%	48.99%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Blackrock funding, inc. /de	331.29K	6.91%	$20.26M
Blackrock	305.59K	6.50%	$13.73M
Vanguard group	253.40K	5.28%	$14.45M
Citizens & northern	117.06K	2.44%	$7.16M
Geode capital management	112.46K	2.34%	$6.88M
State street	93.93K	1.96%	$5.74M
American century companies	44.19K	0.92%	$2.70M
Hudock	40.79K	0.85%	$2.49M
Charles schwab investment management	37.62K	0.78%	$2.30M
Northern trust	37.09K	0.77%	$2.27M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Citizens & northern	117.06K	1.79%	$7.16M
Hudock	40.79K	0.37%	$2.49M
De lisle partners llp	20.52K	0.15%	$1.26M
Cyndeo wealth partners	16.29K	0.05%	$996.30K
Weatherly asset management l. p.	4.92K	0.02%	$301.10K
Bailard	5.64K	0.01%	$345.19K
Bridgeway capital management	4.95K	0.01%	$302.81K
Stone house investment management	496.00	0.01%	$30.32K
Nbt bank n a /ny	1.21K	0.00%	$73.99K
Trexquant investment lp	9.89K	0.00%	$604.77K

Top Buyers

Holder	Shares	% Assets	Change
Blackrock	305.59K	0.00%	34.69K
Vanguard fiduciary trust	30.55K	0.00%	30.55K
American century companies	44.19K	0.00%	16.30K
Marshall wace, llp	18.18K	0.00%	10.78K
Squarepoint ops	10.31K	0.00%	10.31K

Top Sellers

Holder	Shares	% Assets	Change
Segall bryant & hamill	-	-	-16.15K
Fourthstone	-	-	-13.49K
Minerva advisors	-	-	-7.88K
O'shaughnessy asset management	-	-	-7.06K
Bryn mawr capital management	-	-	-6.30K

New Positions

Holder	Shares	% Assets	Change	Value
Vanguard fiduciary trust	30.55K	0.00%	30.55K	$1.87M
Squarepoint ops	10.31K	0.00%	10.31K	$630.33K
Quadrature capital	3.87K	0.00%	3.87K	$234.32K
Aqr capital management	3.81K	0.00%	3.81K	$233.10K
Susquehanna group, llp	3.31K	-	3.31K	$209.37K

Sold Out

Holder	Change
Larson financial group	-1.00
Tortoise investment management	-1.00
Nelson, van denburg & campbell wealth management group	-1.00
Creekmur asset management	-8.00
Rise advisors	-16.00

Institutional Ownership Trends

Date	Holdings	Change %	Shares	Change %	Ownership	Change %	Increased Position	Change %	Decreased Position	Change %
Mar 31, 2026	58	-28.40%	971,268	-28.87%	20	2.50%	25	-19.35%	16	-44.83%
Dec 31, 2025	67	-14.10%	1,273,881	-1.82%	26	3.63%	25	-30.56%	25	-3.85%
Sep 30, 2025	24	-65.71%	464,078	-63.76%	9	1.36%	6	-88.89%	10	-9.09%
Jun 30, 2025	70	1.45%	1,280,672	-35.88%	26	1.51%	54	92.86%	11	-52.17%
Mar 31, 2025	68	4.62%	1,992,113	61.26%	41	6.20%	28	-34.88%	23	283.33%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
Vanguard US Total Market Shares ETF	142.13K	2.99%	-
Vanguard Total Stock Mkt Idx Inv	140.01K	2.91%	-
iShares Russell 2000 ETF	112.88K	2.35%	940.00
Vanguard Institutional Extnd Mkt Idx Tr	55.61K	1.16%	-
Fidelity Small Cap Index	45.13K	0.94%	-183.00
iShares Russell 2000 Value ETF	35.70K	0.74%	189.00
Avantis US Small Cap Value ETF	33.90K	0.71%	-
Russell 2000 Equity Index Fund B	29.50K	0.61%	-14.00
State St Russell Sm/Mid Cp® Indx SL Cl I	29.32K	0.61%	-
State St Russell Sm/Mid Cp® Indx NL Cl C	29.03K	0.61%	121.00

Recent Insider Transactions

Date	Name	Role	Activity	Value
May 29, 2026	Guillaume Stephen J	SENIOR VICE PRESIDENT	Buy	$2.10K
May 28, 2026	Gephart LeeAnn	EXECUTIVE VICE PRESIDENT	Sell	$1.55K
May 12, 2026	Painter John P II	-	Buy	$8.91K
Mar 06, 2026	Painter John P II	-	Buy	$41.17K
Feb 27, 2026	Guillaume Stephen J	SENIOR VICE PRESIDENT	Buy	$741.78

Insider Transactions Trends

Date	Buy	Sell
2026 Q2	2	1
2026 Q1	2	-
2025 Q4	4	-
2025 Q3	1	2
2025 Q2	2	1

CZFS Ownership FAQ

Who Owns Citizens Financial Services?

Citizens Financial Services shareholders are primarily institutional investors at 20.25%, followed by 6.35% insiders and 73.40% retail investors. The average institutional ownership in Citizens Financial Services's industry, Regional Banks Stocks, is 38.44%, which Citizens Financial Services falls below.

Who owns the most shares of Citizens Financial Services?

Citizens Financial Services’s largest shareholders are Blackrock funding, inc. /de (331.29K shares, 6.91%), Blackrock (305.59K shares, 6.50%), and Vanguard group (253.4K shares, 5.28%). Together, they hold 18.69% of Citizens Financial Services’s total shares outstanding.

Does Blackrock own Citizens Financial Services?

Yes, BlackRock owns 6.50% of Citizens Financial Services, totaling 305.59K shares as of Jun 2024. This represents 0.00% of BlackRock's total assets, with a market value of 13.73M$. In the last quarter, BlackRock increased its holdings by 34.69K shares, a 12.81% change.

Who is Citizens Financial Services’s biggest shareholder by percentage of total assets invested?

Citizens & northern is Citizens Financial Services’s biggest shareholder by percentage of total assets invested, with 1.79% of its assets in 117.06K Citizens Financial Services shares, valued at 7.16M$.

Who is the top mutual fund holder of Citizens Financial Services shares?

Vanguard US Total Market Shares ETF is the top mutual fund holder of Citizens Financial Services shares, with 2.99% of its total shares outstanding invested in 142.12K Citizens Financial Services shares.

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