CZFSNasdaqState Commercial BanksFiscal year ends December 31
CITIZENS FINANCIAL SERVICES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$80.03+0.91 (+1.15%)
Close on Oct 16, 2026
- Market cap
- $384.32M
- P/E (TTM)
- 9.4
- Dividend yield
- 2.47%
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
30.9%
1M of 5M shares
Institutional holders
88
6 new, 3 sold out
Net institutional buying
0M
In Q2 2026
Insider trades, 12 months
10 buys · 3 sales
Net bought $90.99K
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| BlackRock, Inc. | 338,529 | 7.00% | 13G (passive) amendment | Jun 30, 2026 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of CZFS | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| BlackRock, Inc. | 354,551 | 7.37% | $25.68M | +23,257 | 0.00% |
| Vanguard Capital Management LLC | 200,789 | 4.17% | $14.55M | −912 | 0.00% |
| Geode Capital Management, LLC | 119,810 | 2.49% | $8.68M | +7,348 | 0.00% |
| Citizens & Northern Corp | 117,063 | 2.43% | $8.48M | – | 1.94% |
| State Street Corp | 92,835 | 1.93% | $6.72M | −1,095 | 0.00% |
| Hudock, Inc. | 78,092 | 1.62% | $5.66M | +37,305 | 0.72% |
| American Century Companies Inc | 44,108 | 0.92% | $3.20M | −78 | 0.00% |
| Charles Schwab Investment Management Inc | 38,696 | 0.80% | $2.80M | +1,080 | 0.00% |
| Northern Trust Corp | 37,370 | 0.78% | $2.71M | +283 | 0.00% |
| Vanguard Fiduciary Trust Co | 32,192 | 0.67% | $2.33M | +1,646 | 0.00% |
| Dimensional Fund Advisors LP | 31,639 | 0.66% | $2.29M | +3,049 | 0.00% |
| Vanguard Portfolio Management LLC | 31,314 | 0.65% | $2.27M | +5,199 | 0.00% |
| Segall Bryant & Hamill, LLC | 20,701 | 0.43% | $1.50M | – | 0.02% |
| De Lisle Partners LLP | 20,519 | 0.43% | $1.48M | – | 0.16% |
| Quantinno Capital Management LP | 20,396 | 0.42% | $1.48M | +6,545 | 0.00% |
| Cyndeo Wealth Partners, LLC | 16,381 | 0.34% | $1.19M | +88 | 0.06% |
| Bank of New York Mellon Corp | 16,376 | 0.34% | $1.19M | +913 | 0.00% |
| Goldman Sachs Group Inc | 11,982 | 0.25% | $867.98K | −5,616 | 0.00% |
| Lawood & Co | 10,726 | 0.22% | $776.99K | – | 0.53% |
| Cambridge Investment Research Advisors, Inc. | 10,210 | 0.21% | $740 | +5,229 | 0.00% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 88 | 1M | 30.9% | 6 / 35 | 22 / 3 | 0M | 0M |
| Q1 2026 | 87 | 1M | 29.1% | 10 / 31 | 27 / 5 | 0M | 0M |
| Q4 2025 | 83 | 1M | 28.4% | 8 / 24 | 30 / 4 | 0M | 0M |
| Q3 2025 | 79 | 1M | 27.1% | 13 / 24 | 26 / 5 | 0M | 0M |
| Q2 2025 | 71 | 1M | 26.7% | 9 / 46 | 11 / 7 | 0M | 1M |
| Q1 2025 | 69 | 2M | 41.5% | 12 / 16 | 23 / 8 | 1M | 0M |
| Q4 2024 | 66 | 1M | 25.8% | 12 / 31 | 6 / 4 | 0M | 0M |
| Q3 2024 | 58 | 1M | 23.9% | 7 / 25 | 15 / 4 | 0M | 0M |
| Q2 2024 | 56 | 1M | 23.1% | 12 / 33 | 9 / 6 | 0M | 0M |
| Q1 2024 | 50 | 1M | 21.7% | 10 / 16 | 11 / 6 | 0M | 0M |
| Q4 2023 | 46 | 1M | 22.2% | 4 / 19 | 12 / 3 | 0M | 0M |
| Q3 2023 | 46 | 1M | 22.2% | 4 / 12 | 20 / 7 | 0M | 0M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of CZFS | Value | % of fund | As of |
|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | 141,034 | 2.93% | $10.22M | 0.00% | Jun 30, 2026 |
| iShares Russell 2000 ETF | 121,142 | 2.52% | $8.78M | 0.01% | Jun 30, 2026 |
| Vanguard Extended Market Index Fund | 55,418 | 1.15% | $4.01M | 0.00% | Jun 30, 2026 |
| Fidelity Small Cap Index Fund | 51,075 | 1.06% | $3.96M | 0.01% | Jul 31, 2026 |
| iShares Russell 2000 Value ETF | 43,649 | 0.91% | $3.16M | 0.02% | Jun 30, 2026 |
| Avantis U.S. Small Cap Value ETF | 33,903 | 0.70% | $2.20M | 0.01% | May 31, 2026 |
| Fidelity Extended Market Index Fund | 25,304 | 0.53% | $1.65M | 0.00% | May 31, 2026 |
| Vanguard Russell 2000 Index Fund | 23,310 | 0.48% | $1.52M | 0.01% | May 31, 2026 |
| Schwab U.S. Small-Cap ETF | 23,149 | 0.48% | $1.51M | 0.01% | May 31, 2026 |
| iShares Micro-Cap ETF | 15,850 | 0.33% | $1.15M | 0.08% | Jun 30, 2026 |
| Schwab Small-Cap Index Fund | 11,260 | 0.23% | $872.88K | 0.01% | Jul 31, 2026 |
| Master Small Cap Index Series | 9,202 | 0.19% | $666.59K | 0.01% | Jun 30, 2026 |
| Fidelity Total Market Index Fund | 8,442 | 0.18% | $548.98K | 0.00% | May 31, 2026 |
| Fidelity Series Total Market Index Fund | 7,369 | 0.15% | $479.21K | 0.00% | May 31, 2026 |
| Avantis U.S. Small Cap Equity ETF | 6,811 | 0.14% | $442.92K | 0.02% | May 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| David Z. Richards Jr | EXECUTIVE VICE PRESIDENT, Director | 1,851 | 0.04% | Jul 23, 2026 |
| Randall E. Black | CEO & PRESIDENT, Director | 46,803 | 0.97% | Jun 26, 2026 |
| Stephen J. Guillaume | SENIOR VICE PRESIDENT | 5,094 | 0.11% | Sep 1, 2026 |
| LeeAnn Gephart | EXECUTIVE VICE PRESIDENT | 946 | 0.02% | Jul 9, 2026 |
| Jeffrey L. Wilson | EXECUTIVE VICE PRESIDENT | 15,281 | 0.32% | Jun 26, 2026 |
| Jeffrey R. White | EXECUTIVE VICE PRESIDENT | 2,022 | 0.04% | Jun 26, 2026 |
| Zerick D. Cook | EXECUTIVE VICE PRESIDENT | 1,991 | 0.04% | Jan 3, 2025 |
| R. Joseph Landy | Director | 28,491 | 0.59% | Sep 22, 2026 |
| John P. Painter II | Director | 3,991 | 0.08% | Sep 15, 2026 |
| Mickey L. Jones | Director | 15,055 | 0.31% | Sep 15, 2026 |
| John D. Behm | Director | 13,204 | 0.27% | Sep 15, 2026 |
| Christopher W. Kunes | Director | 13,248 | 0.28% | Sep 15, 2026 |
| Robert W. Chappell | Director | 13,235 | 0.28% | Sep 15, 2026 |
| Roger C. Graham Jr | Director | 69,964 | 1.45% | Sep 15, 2026 |
| Joseph B. Bower Jr | Director | 2,092 | 0.04% | Sep 15, 2026 |
| Janie M. Hilfiger | Director | 3,960 | 0.08% | Sep 15, 2026 |
| Terry B. Osborne | Director | 13,575 | 0.28% | Sep 15, 2026 |
| Rinaldo A. DePaola | Director | 19,036 | 0.40% | Sep 15, 2026 |
| Thomas E. Freeman | Director | 13,423 | 0.28% | Sep 15, 2026 |
| Warren James Croft | – | 5,112 | 0.11% | Jun 17, 2026 |
| Alletta M. Schadler | – | 30,139 | 0.63% | Jun 27, 2025 |
| E. Gene Kosa | – | 7,001 | 0.15% | Jun 27, 2025 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| R. Joseph Landy Director | Sep 22, 2026 | Gift | −40 | – | – | 28,051 |
| John D. Behm Director | Sep 15, 2026 | Award | +70 | – | – | 13,204 |
| Christopher W. Kunes Director | Sep 15, 2026 | Award | +70 | – | – | 13,248 |
| Mickey L. Jones Director | Sep 15, 2026 | Award | +70 | – | – | 14,175 |
| John P. Painter II Director | Sep 15, 2026 | Award | +70 | – | – | 3,991 |
| R. Joseph Landy Director | Sep 15, 2026 | Award | +70 | – | – | 28,091 |
| Thomas E. Freeman Director | Sep 15, 2026 | Award | +70 | – | – | 13,423 |
| Rinaldo A. DePaola Director | Sep 15, 2026 | Award | +70 | – | – | 16,851 |
| Terry B. Osborne Director | Sep 15, 2026 | Award | +70 | – | – | 13,430 |
| Janie M. Hilfiger Director | Sep 15, 2026 | Award | +70 | – | – | 3,960 |
| Joseph B. Bower Jr Director | Sep 15, 2026 | Award | +70 | – | – | 2,092 |
| Roger C. Graham Jr Director | Sep 15, 2026 | Award | +70 | – | – | 69,964 |
| Robert W. Chappell Director | Sep 15, 2026 | Award | +70 | – | – | 13,106 |
| R. Joseph Landy Director | Sep 8, 2026 | Gift | −20 | – | – | 28,021 |
| Stephen J. Guillaume SENIOR VICE PRESIDENT | Aug 31, 2026 | Buy | +24 | $76.32 | $1.83K | 5,094 |
| John P. Painter II Director | Aug 5, 2026 | Buy | +160 | $80.52 | $12.88K | 3,921 |
| David Z. Richards Jr EXECUTIVE VICE PRESIDENT, Director | Jul 22, 2026 | Award | +343 | – | – | 1,851 |
| R. Joseph Landy Director | Jul 9, 2026 | Gift | −20 | – | – | 28,041 |
| LeeAnn Gephart EXECUTIVE VICE PRESIDENT | Jul 9, 2026 | Sale | −15 | $71.52 | $1.07K | 946 |
| Jeffrey R. White EXECUTIVE VICE PRESIDENT | Jun 25, 2026 | Award | +336 | – | – | 2,010 |
| Jeffrey L. Wilson EXECUTIVE VICE PRESIDENT | Jun 25, 2026 | Award | +49 | – | – | 8,337 |
| Randall E. Black CEO & PRESIDENT, Director | Jun 25, 2026 | Award | +563 | – | – | 46,487 |
| LeeAnn Gephart EXECUTIVE VICE PRESIDENT | Jun 25, 2026 | Award | +153 | – | – | 961 |
| Stephen J. Guillaume EXECUTIVE VICE PRESIDENT | Jun 25, 2026 | Award | +311 | – | – | 5,029 |
| LeeAnn Gephart EXECUTIVE VICE PRESIDENT | Jun 25, 2026 | Sale | −29 | $66.52 | $1.93K | 808 |
| John D. Behm Director | Jun 15, 2026 | Award | +29 | – | – | 13,134 |
| Joseph B. Bower Jr Director | Jun 15, 2026 | Award | +88 | – | – | 2,021 |
| Mickey L. Jones Director | Jun 15, 2026 | Award | +88 | – | – | 14,105 |
| Rinaldo A. DePaola Director | Jun 15, 2026 | Award | +88 | – | – | 16,781 |
| R. Joseph Landy Director | Jun 15, 2026 | Award | +88 | – | – | 28,061 |
| Christopher W. Kunes Director | Jun 15, 2026 | Award | +88 | – | – | 13,133 |
| John P. Painter II Director | Jun 15, 2026 | Award | +88 | – | – | 3,750 |
| Roger C. Graham Jr Director | Jun 15, 2026 | Award | +88 | – | – | 69,400 |
| Terry B. Osborne Director | Jun 15, 2026 | Award | +88 | – | – | 13,360 |
| Thomas E. Freeman Director | Jun 15, 2026 | Award | +88 | – | – | 13,259 |
| Janie M. Hilfiger Director | Jun 15, 2026 | Award | +88 | – | – | 3,867 |
| R. Joseph Landy Director | Jun 10, 2026 | Gift | −20 | – | – | 27,973 |
| Stephen J. Guillaume SENIOR VICE PRESIDENT | May 29, 2026 | Buy | +34 | $61.78 | $2.10K | 4,718 |
| LeeAnn Gephart EXECUTIVE VICE PRESIDENT | May 28, 2026 | Sale | −24 | $64.78 | $1.55K | 837 |
| John P. Painter II Director | May 12, 2026 | Buy | +140 | $63.67 | $8.91K | 3,662 |
| R. Joseph Landy Director | May 4, 2026 | Gift | −40 | – | – | 27,993 |
| Terry B. Osborne Director | Apr 30, 2026 | Award | +99 | – | – | 13,272 |
| Thomas E. Freeman Director | Apr 30, 2026 | Award | +99 | – | – | 13,171 |
| Roger C. Graham Jr Director | Apr 30, 2026 | Award | +99 | – | – | 69,312 |
| Robert W. Chappell Director | Apr 30, 2026 | Award | +99 | – | – | 12,868 |
| John P. Painter II Director | Apr 30, 2026 | Award | +99 | – | – | 3,522 |
| Janie M. Hilfiger Director | Apr 30, 2026 | Award | +99 | – | – | 3,779 |
| Rinaldo A. DePaola Director | Apr 30, 2026 | Award | +99 | – | – | 16,693 |
| R. Joseph Landy Director | Apr 30, 2026 | Award | +99 | – | – | 28,033 |
| Christopher W. Kunes Director | Apr 30, 2026 | Award | +99 | – | – | 13,045 |
| Joseph B. Bower Jr Director | Apr 30, 2026 | Award | +99 | – | – | 1,933 |
| Mickey L. Jones Director | Apr 30, 2026 | Award | +99 | – | – | 14,017 |
| R. Joseph Landy Director | Mar 19, 2026 | Gift | −20 | – | – | 27,934 |
| John P. Painter II Director | Mar 6, 2026 | Buy | +675 | $61.00 | $41.18K | 3,412 |
| Stephen J. Guillaume SENIOR VICE PRESIDENT | Feb 27, 2026 | Buy | +13 | $57.06 | $742 | 4,656 |
| R. Joseph Landy Director | Jan 12, 2026 | Gift | −40 | – | – | 27,783 |
| LeeAnn Gephart EXECUTIVE VICE PRESIDENT | Dec 22, 2025 | Award | +172 | – | – | 893 |
| Randall E. Black CEO & PRESIDENT, Director | Dec 22, 2025 | Award | +1,552 | – | – | 45,587 |
| Rinaldo A. DePaola Director | Dec 15, 2025 | Award | +96 | – | – | 16,594 |
| Robert W. Chappell Director | Dec 15, 2025 | Award | +96 | – | – | 12,589 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Robert Joseph Marino Affiliate | Oct 5, 2023 | 3,940 | $180.92K | Oct 5, 2023 | Merger with Huntingdon Valley Bank |
| Robert Joseph Marino Former Director | Sep 18, 2023 | 5,000 | $343.30K | Aug 4, 2023 | Merger with Huntingdon Valley Bank |