Citizens Financial Services, Inc.
Ownership
Ownership Structure
Who owns Citizens Financial Services, Inc. (CZFS)? This page shows the largest institutions and funds, the ownership structure and the latest insider transactions. 93.5% of the shares are freely tradable; institutional investors hold 29.8%.
Largest Shareholders
Institutions
| Name | Stake (%) | Shares | Change (%) | Date |
|---|---|---|---|---|
| BlackRock Inc | 6.89 | 331,294 | -1.4 | 03/31/2026 |
| Vanguard Capital Management, LLC | 4.19 | 201,701 | +0.0 | 03/31/2026 |
| Citizens & Northern Corp | 2.43 | 117,063 | +0.0 | 06/30/2026 |
| Geode Capital Management, LLC | 2.34 | 112,462 | +1.4 | 03/31/2026 |
| State Street Corp | 1.95 | 93,930 | -5.7 | 03/31/2026 |
| Hudock Moyer Wealth Resources, LLC | 1.62 | 78,092 | +91.5 | 06/30/2026 |
Funds
| Name | Stake (%) | Shares | Change (%) | Date |
|---|---|---|---|---|
| Vanguard MStar Total Stk Mkt Idx Invest | 2.93 | 141,034 | +0.0 | 07/31/2026 |
| iShares Russell 2000 ETF | 2.48 | 119,316 | -0.6 | 08/31/2026 |
| Avantis US Small Cap Value ETF | 1.27 | 60,914 | +0.5 | 08/31/2026 |
| Vanguard Institutional Extnd Mkt Idx Tr | 1.15 | 55,418 | +0.0 | 07/31/2026 |
Largest reported positions according to regulatory filings; stake as a percentage of shares outstanding, change versus the previous filing. Source: fundamentals data.
Insider holdings
| Person | Role | Shares | Value | As of | Type |
|---|---|---|---|---|---|
| Graham Roger C Jr | Director | 69,964 | 5,702,098 $ | Sep 15, 2026 | direct |
| Landy R Joseph | Director | 28,091 | 2,289,454 $ | Sep 15, 2026 | direct |
| DePaola Rinaldo A | Director | 16,851 | 1,373,373 $ | Sep 15, 2026 | direct |
| Jones Mickey L | Director | 14,175 | 1,155,263 $ | Sep 15, 2026 | direct |
| Osborne Terry B | Director | 13,430 | 1,094,545 $ | Sep 15, 2026 | direct |
| Freeman Thomas E. | Director | 13,423 | 1,094,005 $ | Sep 15, 2026 | direct |
| Kunes Christopher W | Director | 13,248 | 1,079,751 $ | Sep 15, 2026 | direct |
| Behm John D | Director | 13,204 | 1,076,101 $ | Sep 15, 2026 | direct |
| Chappell Robert W | Director | 13,106 | 1,068,143 $ | Sep 15, 2026 | direct |
| Guillaume Stephen J | SENIOR VICE PRESIDENT | 5,094 | 415,126 $ | Aug 31, 2026 | direct |
| Painter John P II | Director | 3,991 | 325,250 $ | Sep 15, 2026 | direct |
| Hilfiger Janie M | Director | 3,959 | 322,699 $ | Sep 15, 2026 | direct |
| Bower Joseph B Jr | Director | 2,092 | 170,474 $ | Sep 15, 2026 | direct |
| Richards David Z Jr | EXECUTIVE VICE PRESIDENT | 1,851 | 150,857 $ | Jul 22, 2026 | direct |
| Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | 946 | 77,099 $ | Jul 9, 2026 | direct |
Holdings as of each person's most recent SEC Form 4 filing — excluding options and RSUs, which are not shares yet. Holdings may have changed between two filings.
Insiders
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Sep 15, 2026 | Landy R Joseph | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | DePaola Rinaldo A | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Hilfiger Janie M | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Painter John P II | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Behm John D | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Bower Joseph B Jr | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Freeman Thomas E. | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Kunes Christopher W | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Chappell Robert W | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Osborne Terry B | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Jones Mickey L | Director | Other | 70 | 0.00 | – |
| Sep 15, 2026 | Graham Roger C Jr | Director | Other | 70 | 0.00 | – |
| Sep 8, 2026 | Landy R Joseph | Director | Other | 20 | 0.00 | – |
| Aug 31, 2026 | Guillaume Stephen J | SENIOR VICE PRESIDENT | Buy | 24 | 76.32 | 1,832 |
| Aug 5, 2026 | Painter John P II | Director | Buy | 160 | 80.52 | 12,883 |
| Jul 22, 2026 | Richards David Z Jr | EXECUTIVE VICE PRESIDENT | Other | 343 | 0.00 | – |
| Jul 9, 2026 | Landy R Joseph | Director | Other | 20 | 0.00 | – |
| Jul 9, 2026 | Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | Sell | 15 | 71.52 | 1,073 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character. View all insider transactions →
Data as of: September 17, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.