Citizens Financial Services Ownership | Who Owns Citizens Financial Services?

Citizens Financial Services Ownership Summary

Citizens Financial Services is owned by 26.55% institutional investors, 6.16% insiders, and 67.29% retail investors. Blackrock funding, inc. /de is the largest institutional shareholder, holding 7.00% 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	26.55%	6.16%	67.29%
Sector	Financial Services Stocks	32.19%	15.44%	52.37%
Industry	Regional Banks Stocks	31.54%	12.70%	55.76%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Blackrock funding, inc. /de	335.91K	7.00%	$19.15M
Blackrock	305.59K	6.50%	$13.73M
Vanguard group	253.40K	5.28%	$14.45M
Citizens & northern	117.06K	2.44%	$6.67M
Geode capital management	110.87K	2.31%	$6.32M
State street	99.75K	2.08%	$6.01M
Hudock	39.92K	0.83%	$2.28M
Charles schwab investment management	39.03K	0.81%	$2.35M
Northern trust	37.53K	0.78%	$2.26M
American century companies	27.91K	0.58%	$1.68M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Citizens & northern	117.06K	1.65%	$6.67M
Hudock	39.92K	0.34%	$2.28M
Minerva advisors	7.88K	0.30%	$449.38K
De lisle partners llp	18.02K	0.13%	$1.09M
Cyndeo wealth partners	16.18K	0.05%	$922.87K
Segall bryant & hamill	27.29K	0.02%	$1.64M
Weatherly asset management l. p.	4.92K	0.02%	$280.77K
Bailard	7.25K	0.01%	$413.11K
Bridgeway capital management	3.95K	0.01%	$237.93K
Nbt bank n a /ny	57.00	0.00%	$68.99K

Top Buyers

Holder	Shares	% Assets	Change
Blackrock	305.59K	0.00%	34.69K
Cyndeo wealth partners	16.18K	0.05%	16.18K
Blackrock funding, inc. /de	335.91K	0.00%	15.40K
Bailard	7.25K	0.01%	7.25K
Vanguard group	253.40K	0.00%	6.66K

Top Sellers

Holder	Shares	% Assets	Change
Fourthstone	-	-	-13.49K
Millennium management	-	-	-8.27K
Bryn mawr capital management	-	-	-6.30K
Jane street group	3.97K	-	-4.71K
Pdt partners	-	-	-4.31K

New Positions

Holder	Shares	% Assets	Change	Value
Cyndeo wealth partners	16.18K	0.05%	16.18K	$922.87K
Bailard	7.25K	0.01%	7.25K	$413.11K
Quadrature capital	3.87K	0.00%	3.87K	$234.32K
Susquehanna group, llp	3.31K	-	3.31K	$209.37K
Beaird harris wealth management	240.00	0.00%	240.00	$10.79K

Sold Out

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

Institutional Ownership Trends

Date	Holdings	Change %	Shares	Change %	Ownership	Change %	Increased Position	Change %	Decreased Position	Change %
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%
Dec 31, 2024	65	12.07%	1,235,334	8.32%	26	4.51%	43	34.38%	6	-60.00%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
Vanguard US Total Market Shares ETF	142.13K	2.99%	-
Vanguard Total Stock Mkt Idx Inv	140.45K	2.92%	-3.10K
iShares Russell 2000 ETF	114.28K	2.38%	-
Vanguard Institutional Extnd Mkt Idx Tr	46.57K	0.97%	-19.01K
Fidelity Small Cap Index	46.11K	0.96%	-369.00
iShares Russell 2000 Value ETF	37.24K	0.77%	-
State St Russell Sm/Mid Cp® Indx NL Cl C	29.03K	0.61%	121.00
State St Russell Sm/Mid Cp® Indx SL Cl I	29.32K	0.61%	-
Fidelity Extended Market Index	24.30K	0.51%	-200.00
Vanguard Russell 2000 ETF	21.50K	0.45%	-1.57K

Recent Insider Transactions

Date	Name	Role	Activity	Value
Nov 28, 2025	Guillaume Stephen J	SENIOR VICE PRESIDENT	Buy	$849.60
Nov 04, 2025	BLACK RANDALL E	CEO & PRESIDENT	Buy	$1.19K
Nov 03, 2025	BLACK RANDALL E	CEO & PRESIDENT	Buy	$15.01K
Nov 03, 2025	BLACK RANDALL E	CEO & PRESIDENT	Buy	$10.85K
Aug 31, 2025	Guillaume Stephen J	SENIOR VICE PRESIDENT	Buy	$740.48

Insider Transactions Trends

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

CZFS Ownership FAQ

Who Owns Citizens Financial Services?

Citizens Financial Services shareholders are primarily institutional investors at 26.55%, followed by 6.16% insiders and 67.29% retail investors. The average institutional ownership in Citizens Financial Services's industry, Regional Banks Stocks, is 31.54%, 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 (335.91K shares, 7.00%), Blackrock (305.59K shares, 6.50%), and Vanguard group (253.4K shares, 5.28%). Together, they hold 18.78% 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 1.65% of its assets in 117.06K Citizens Financial Services shares, valued at 6.67M$.

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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