NASDAQ · CZFS

Citizens Financial Services Inc

Closing price · Nov 13, 2026 $85.15
Last insider buy price $76.32 Paid by Senior Vice President Stephen Guillaume on Aug 31, 2026 (Form 4). Not today's price.

Latest quarter · ended Sep 30, 2026

Sales slipped, but cash improved

descriptionFiled Nov 5, 2026
Revenue growthShrinking
−1.7%
Quarter ended Dec 31, 2024: +1.2% sales vs. a year beforeQuarter ended Mar 31, 2025: +1.1% sales vs. a year beforeQuarter ended Jun 30, 2025: −1.0% sales vs. a year beforeQuarter ended Sep 30, 2025: +10.4% sales vs. a year beforeQuarter ended Dec 31, 2025: +0.2% sales vs. a year beforeQuarter ended Mar 31, 2026: −4.2% sales vs. a year beforeQuarter ended Jun 30, 2026: +3.2% sales vs. a year beforeQuarter ended Sep 30, 2026: −1.7% sales vs. a year before
Dec '24Sep '26
$2.72M vs. $2.77M a year ago
Cash from operationsBetter
$5.26M
Quarter ended Dec 31, 2024: $10.5M cash from operationsQuarter ended Mar 31, 2025: $10.9M cash from operationsQuarter ended Jun 30, 2025: $5.98M cash from operationsQuarter ended Sep 30, 2025: $2.88M cash from operationsQuarter ended Dec 31, 2025: $16.7M cash from operationsQuarter ended Mar 31, 2026: $18M cash from operationsQuarter ended Jun 30, 2026: −$89K cash from operationsQuarter ended Sep 30, 2026: $5.26M cash from operations
Dec '24Sep '26
+83% from $2.88M a year ago
Share countSteady
+0.1%
Quarter ended Dec 31, 2024: 4.76M sharesQuarter ended Mar 31, 2025: 4.76M sharesQuarter ended Jun 30, 2025: 4.81M sharesQuarter ended Sep 30, 2025: 4.81M sharesQuarter ended Dec 31, 2025: 4.81M sharesQuarter ended Mar 31, 2026: 4.8M sharesQuarter ended Jun 30, 2026: 4.81M sharesQuarter ended Sep 30, 2026: 4.81M shares
Dec '24Sep '26
4.81M shares vs. 4.81M a year ago

Numbers come from the company's own 10-Q and 10-K reports filed with the SEC. Each bar is one quarter, oldest on the left. The colored bar is the latest. Hover over or tap a bar to see its number.

Smart money pulse

What insiders and funds are doing

Buying Insiders: as of Nov 13 Funds: as of Jun 30, 2026
−1000+100 +100
  • account_balance
    1 fund bought, 0 sold in the quarter ended Jun 30, 2026, counting funds that hold 500 stocks or fewer and $1M+ of this one. Index funds and banks are left out.
  • info
    3 real insider sales in 12 months. $4.56K in total, not counting planned sales.

−100 means everyone selling, +100 everyone buying. This is data, not advice.

How the Pulse works

Pulse runs from −100 (everyone selling) to +100 (everyone buying). Half comes from insiders: real buyers vs. real sellers in the last 90 days (Form 4). Half comes from funds: funds that bought vs. funds that sold last quarter (13F). 13F is a snapshot of long positions on the last day of the quarter, filed up to 45 days later. It does not show short positions or trades since then.

Who owns it

90 funds report owning CZFS, up from 85

Holdings as of Jun 30, 2026
New10
Added31
Held31
Trimmed18
Sold out5

Last quarter

Who bought and who sold

Apr–Jun 2026
Hudock, Inc.
+91%

Change in shares held from Mar 31 to Jun 30, 2026, biggest holdings first. Only funds that hold 500 stocks or fewer and $1M+ of this one: index funds and banks own almost everything, so their changes say little. Bars stop at ±100%.

Insider trades · last 12 months

Real buys and sales

● Open-market buy● Open-market sale
CEOCFOOther officersDirectorsDecJanFebMarAprMayJunJulAugSepOctNovGift · Dec 5 · 266 shStock grant · Dec 15 · 960 sh · 10 peopleStock grant · Dec 22 · 1,552 shStock grant · Dec 22 · 172 shGift · Jan 12 · 40 shGift · Mar 19 · 20 shStock grant · Apr 30 · 1,089 sh · 11 peopleGift · May 4 · 40 shGift · Jun 10 · 20 shStock grant · Jun 15 · 909 sh · 11 peopleStock grant · Jun 25 · 563 shStock grant · Jun 25 · 849 sh · 4 peopleGift · Jul 9 · 20 shStock grant · Jul 22 · 343 shGift · Sep 8 · 20 shStock grant · Sep 15 · 840 sh · 12 peopleGift · Sep 22 · 40 shOpen-market buy · Feb 27 · $742Open-market buy · Mar 6 · $41.2KOpen-market buy · May 12 · $8.91KOpen-market sale · May 28 · $1.55KOpen-market buy · May 29 · $2.1KOpen-market sale · Jun 25 · $1.93KOpen-market sale · Jul 9 · $1.07KOpen-market buy · Aug 5 · $12.9KOpen-market buy · Aug 31 · $1.83K
CEOCFOOther officersDirectorsJunJulAugSepOctNovGift · Jun 10 · 20 shStock grant · Jun 15 · 909 sh · 11 peopleStock grant · Jun 25 · 563 shStock grant · Jun 25 · 849 sh · 4 peopleGift · Jul 9 · 20 shStock grant · Jul 22 · 343 shGift · Sep 8 · 20 shStock grant · Sep 15 · 840 sh · 12 peopleGift · Sep 22 · 40 shOpen-market sale · Jun 25 · $1.93KOpen-market sale · Jul 9 · $1.07KOpen-market buy · Aug 5 · $12.9KOpen-market buy · Aug 31 · $1.83K

Last 6 months. A wider screen shows 12.

Showing 9 real trades. Hidden: 52 stock grants, 8 gifts. Those happen on a schedule and say little about what an insider thinks. Bigger dot means a bigger trade.

Real trades, newest first

Aug 31 Stephen Guillaume Past buys: 4 of 8 beat Senior Vice President Open-market buy $1.83K 24 sh at $76.32
Aug 5 John Painter Past buys: 1 of 4 beat Director Open-market buy $12.9K 160 sh at $80.52
Jul 9 LeeAnn Gephart Executive Vice President Open-market sale $1.07K 15 sh at $71.52 Sold 2% of stake
Jun 25 LeeAnn Gephart Executive Vice President Open-market sale $1.93K 29 sh at $66.52 Sold 3% of stake
May 29 Stephen Guillaume Past buys: 4 of 8 beat Senior Vice President Open-market buy $2.1K 34 sh at $61.78
May 28 LeeAnn Gephart Executive Vice President Open-market sale $1.55K 24 sh at $64.78 Sold 3% of stake
May 12 John Painter Past buys: 1 of 4 beat Director Open-market buy $8.91K 140 sh at $63.67
Mar 6 John Painter Past buys: 1 of 4 beat Director Open-market buy $41.2K 675 sh at $61.00
Feb 27 Stephen Guillaume Past buys: 4 of 8 beat Senior Vice President Open-market buy $742 13 sh at $57.06

"Past buys: 2 of 3 beat" means this insider bought stock in 3 earlier quarters, and in 2 of them what they bought did better than the typical stock over the next 6 months. A past record is data, not a forecast.

Showing every filing. Dashed circles are routine: grants, tax withholding, option exercises and planned sales.

Top holders

Biggest funds in CZFS

As of Jun 30, 2026
FundOwnsValueChange
BlackRock, Inc.7.4%$25.7M+7%
Vanguard Capital Management LLC4.2%$14.5MSame
Geode Capital Management, LLC2.5%$8.68M+7%
Citizens & Northern Corp2.4%$8.48MSame
State Street Corp1.9%$6.72M−1%

"Owns" is shares reported divided by shares outstanding.

Where this data comes from. Insider trades, fund holdings, activist stakes and company results come from public SEC EDGAR filings (Forms 4, 13F, 13D/13G, 10-Q and 8-K). Congress trades come from the STOCK Act reports members file with the House Clerk and the Senate. Daily closing prices come from post-no-preference/stocks on DoltHub, a community-run database shared under CC BY-SA 4.0; the prices we show stay under that license. They are each day's close, not live or official exchange prices.

This is data, not investment advice. About StockToast