CZFS US Equity

CITIZENS FINANCIAL SERVICES INC

Nasdaq+ Compare Tear sheet →

Financials · State Commercial Banks · CIK 739421 · FYE 1231

$76.88

+0.91 (+1.20%)

USD · as of 2026-07-28 · marketstack

Switch Ticker

Institutional ownership· 13F filers holding CZFS · 2026-Q1 methodology → sources →

87 holders

% of shares outstanding held

29.1%

Shares held (13F)

1,399,212

Reporting holders

Top holders

largest 87 of 87 · Δ vs 2025-Q4

#	Holder	Shares	Value	% of shares out	Δ QoQ
1	BlackRock, Inc.	331,294331,294	$20M	6.89%	—
2	VANGUARD CAPITAL MANAGEMENT LLC	201,701201,701	$12M	4.20%	NEW†
3	CITIZENS & NORTHERN CORP	117,063117,063	$7M	2.44%	—
4	GEODE CAPITAL MANAGEMENT, LLC	112,462112,462	$7M	2.34%	—
5	STATE STREET CORP	93,93093,930	$6M	1.95%	TRIM -6%
6	AMERICAN CENTURY COMPANIES INC	44,18644,186	$3M	0.92%	ADD 58%
7	Hudock, Inc.	40,78740,787	$2M	0.85%	ADD 2%
8	CHARLES SCHWAB INVESTMENT MANAGEMENT INC	37,61637,616	$2M	0.78%	TRIM -4%
9	NORTHERN TRUST CORP	37,08737,087	$2M	0.77%	ADD 6%
10	VANGUARD FIDUCIARY TRUST CO	30,54630,546	$2M	0.64%	NEW
11	DIMENSIONAL FUND ADVISORS LP	28,59028,590	$2M	0.60%	ADD 17%
12	VANGUARD PORTFOLIO MANAGEMENT LLC	26,11526,115	$2M	0.54%	NEW
13	SEGALL BRYANT & HAMILL, LLC	20,70120,701	$1M	0.43%	ADD 28%
14	De Lisle Partners LLP	20,51920,519	$1M	0.43%	ADD 14%
15	MARSHALL WACE, LLP	18,17518,175	$1M	0.38%	ADD 146%
16	GOLDMAN SACHS GROUP INC	17,59817,598	$1M	0.37%	ADD 109%
17	Cyndeo Wealth Partners, LLC	16,29316,293	$996,301	0.34%	—
18	Bank of New York Mellon Corp	15,46315,463	$945,572	0.32%	TRIM -21%
19	Quantinno Capital Management LP	13,85113,851	$846,993	0.29%	ADD 35%
20	MORGAN STANLEY	12,79512,795	$782,416	0.27%	ADD 100%
21	LAWOOD & CO	10,72610,726	$655,895	0.22%	—
22	Squarepoint Ops LLC	10,30810,308	$630,334	0.21%	NEW
23	Trexquant Investment LP	9,8909,890	$604,774	0.21%	TRIM -7%
24	GREAT LAKES ADVISORS, LLC	8,0328,032	$491,157	0.17%	TRIM -12%
25	BANK OF AMERICA CORP /DE/	8,0178,017	$490,239	0.17%	ADD 69%
26	MILLENNIUM MANAGEMENT LLC	7,7527,752	$474,035	0.16%	TRIM -41%
27	Nuveen, LLC	7,1997,199	$440,219	0.15%	—
28	STRS OHIO	6,4006,400	$391,360	0.13%	—
29	Connor, Clark & Lunn Investment Management Ltd.	6,1966,196	$378,885	0.13%	ADD 14%
30	WELLS FARGO & COMPANY/MN	5,9745,974	$365,310	0.12%	TRIM -36%
31	BAILARD, INC.	5,6455,645	$345,192	0.12%	TRIM -22%
32	RHUMBLINE ADVISERS	5,5315,531	$338,551	0.12%	—
33	CITADEL ADVISORS LLC	5,4225,422	$331,555	0.11%	TRIM -42%
34	Cambridge Investment Research Advisors, Inc.	4,9814,981	$305,000	0.10%	—
35	BRIDGEWAY CAPITAL MANAGEMENT, LLC	4,9524,952	$302,815	0.10%	ADD 25%
36	WEATHERLY ASSET MANAGEMENT L. P.	4,9244,924	$301,103	0.10%	—
37	Invesco Ltd.	4,7824,782	$292,420	0.10%	TRIM -4%
38	AQR CAPITAL MANAGEMENT LLC	3,8123,812	$233,104	0.08%	NEW
39	BARCLAYS PLC	3,6513,651	$223,258	0.08%	TRIM -56%
40	COMMONWEALTH EQUITY SERVICES, LLC	3,6423,642	$222,700	0.08%	TRIM -8%
41	PNC FINANCIAL SERVICES GROUP, INC.	3,5783,578	$218,794	0.07%	—
42	UBS Group AG	3,1173,117	$190,604	0.06%	ADD 41%
43	DEUTSCHE BANK AG\	2,7532,753	$168,346	0.06%	TRIM -33%
44	MetLife Investment Management, LLC	2,6582,658	$162,537	0.06%	—
45	MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.	2,1992,199	$134,469	0.05%	ADD 7%
46	Farther Finance Advisors, LLC	1,9431,943	$120,774	0.04%	ADD 26%
47	JPMORGAN CHASE & CO	1,8901,890	$115,346	0.04%	TRIM -37%
48	NEW YORK STATE COMMON RETIREMENT FUND	1,8681,868	$114,228	0.04%	—
49	Vanguard Global Advisers, LLC	1,7931,793	$109,642	0.04%	NEW
50	Police & Firemen's Retirement System of New Jersey	1,4481,448	$88,545	0.03%	—
51	Tower Research Capital LLC (TRC)	1,3411,341	$82,002	0.03%	ADD 581%
52	BNP PARIBAS FINANCIAL MARKETS	1,3301,330	$81,330	0.03%	ADD 9%
53	NBT BANK N A /NY	1,2101,210	$73,992	0.03%	ADD 2023%
54	ROYAL BANK OF CANADA	1,0181,018	$62,000	0.02%	ADD 128%
55	MAI Capital Management	944944	$57,726	0.02%	—
56	NISA INVESTMENT ADVISORS, LLC	716716	$43,783	0.01%	—
57	Federation des caisses Desjardins du Quebec	707707	$43,134	0.01%	—
58	Stone House Investment Management, LLC	496496	$30,325	0.01%	—
59	Legal & General Group Plc	413413	$25,255	0.01%	—
60	Russell Investments Group, Ltd.	382382	$23,359	0.01%	TRIM -9%
61	FMR LLC	374374	$22,870	0.01%	—
62	Ameritas Investment Partners, Inc.	364364	$22,259	0.01%	—
63	CITIGROUP INC	305305	$18,651	0.01%	ADD 56%
64	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	245245	$14,982	0.01%	TRIM -12%
65	FIFTH THIRD BANCORP	240240	$14,676	0.00%	NEW
66	CWM, LLC	150150	$9,173	0.00%	TRIM -4%
67	IFP Advisors, Inc	147147	$8,989	0.00%	ADD 7250%
68	EverSource Wealth Advisors, LLC	147147	$8,989	0.00%	TRIM -30%
69	Sterling Capital Management LLC	140140	$8,561	0.00%	TRIM -42%
70	GAMMA Investing LLC	111111	$6,788	0.00%	TRIM -25%
71	Versant Capital Management, Inc	9797	$5,932	0.00%	ADD 73%
72	Capital Advisors, Ltd. LLC	8383	$5,000	0.00%	—
73	OSAIC HOLDINGS, INC.	7070	$4,319	0.00%	—
74	Arax Advisory Partners	5757	$3,486	0.00%	—
75	UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC	5555	$3,363	0.00%	NEW
76	Optiver Holding B.V.	4848	$2,935	0.00%	TRIM -40%
77	Bare Financial Services, Inc	3838	$2,324	0.00%	—
78	Fortitude Family Office, LLC	3232	$1,957	0.00%	—
79	BROWN BROTHERS HARRIMAN & CO	2626	$1,590	0.00%	TRIM -87%
80	Allworth Financial LP	2323	$1,407	0.00%	NEW
81	Essential Partners LLC	1717	$1,040	0.00%	TRIM -48%
82	Covestor Ltd	1111	$1,000	0.00%	ADD 120%
83	Smartleaf Asset Management LLC	1111	$698	0.00%	TRIM -66%
84	ROTHSCHILD INVESTMENT LLC	44	$245	0.00%	ADD 100%
85	Sunbelt Securities, Inc.	22	$122	0.00%	—
86	Root Financial Partners, LLC	22	$122	0.00%	NEW
87	True Wealth Design, LLC	11	$62	0.00%	—

† a filer this large appearing as NEW usually reflects a renamed or succeeded filing entity (the old name stops filing the same quarter) — not a brand-new position.

Rows rank by the value each filer reported — 13F filers price their own positions, so a holder with fewer shares can rank just above one with more.

Holder trends· top 15 holders · shares held over 6 quarters

green added · red trimmed

Holder

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

BlackRock, Inc.

323K

326K

320K

321K

336K

331K

$20M

VANGUARD CAPITAL MANAGEMENT LLC

—

202K

$12M

CITIZENS & NORTHERN CORP

116K

117K

$7M

GEODE CAPITAL MANAGEMENT, LLC

103K

105K

106K

109K

111K

112K

$7M

STATE STREET CORP

89K

92K

99K

100K

94K

$6M

AMERICAN CENTURY COMPANIES INC

22K

28K

44K

$3M

Hudock, Inc.

41K

40K

41K

$2M

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

36K

37K

39K

38K

$2M

NORTHERN TRUST CORP

41K

39K

38K

35K

37K

$2M

VANGUARD FIDUCIARY TRUST CO

—

31K

$2M

DIMENSIONAL FUND ADVISORS LP

12K

17K

23K

24K

29K

$2M

VANGUARD PORTFOLIO MANAGEMENT LLC

—

26K

$2M

SEGALL BRYANT & HAMILL, LLC

—

11K

28K

27K

16K

21K

$1M

De Lisle Partners LLP

16K

17K

18K

21K

$1M

MARSHALL WACE, LLP

—

18K

$1M

Shares reported each quarter by the largest current holders. Green = added vs the prior filing, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

Institutional footprint by quarter

Line breaks are honest gaps — quarters with no 13F record, or a suppressed % — never interpolated. % of shares outstanding uses today's share count for every quarter (the only count stored).

Quarter	Holders	Shares held	% shares out	Value held
2026-Q1	87	1,399,212	29.1%	$86M
2025-Q4	83	1,365,445

Short interest has its own tab now — open SI →

Source: SEC Form 13F — every institution manager (≥ $100M in 13F securities) reporting a long US-listed position, across ~10,250 filers over 10 years of history. 13F is long-only, US-listed, filed up to 45 days after quarter-end.

Activists & large holders· Schedule 13D/G beneficial owners · CZFS

Large holders — 13G, passive (top 2 by % of class)

Holder	% of class	Type	As of
BlackRock, Inc.	7%	QII	2026-06-30	SEC →
VANGUARD GROUP INC	0%	QII	2026-03-13	SEC →

Source: SEC Schedule 13D/13G structured XML. 13D = active intent; 13G filers report passively (Rule 13d-1(b) QII / 13d-1(c) Passive / 13d-1(d) Exempt) and are not activists. Percent and delta are the group aggregate the filing reports. Structured 13D/G coverage begins December 2024 (SEC XML mandate).

Institutional ownership· 13F filers holding CZFS · 2026-Q1 methodology → sources →

87 holders

% of shares outstanding held

29.1%

Shares held (13F)

1,399,212

Reporting holders

Top holders

largest 87 of 87 · Δ vs 2025-Q4

#	Holder	Shares	Value	% of shares out	Δ QoQ
1	BlackRock, Inc.	331,294331,294	$20M	6.89%	—
2	VANGUARD CAPITAL MANAGEMENT LLC	201,701201,701	$12M	4.20%	NEW†
3	CITIZENS & NORTHERN CORP	117,063117,063	$7M	2.44%	—
4	GEODE CAPITAL MANAGEMENT, LLC	112,462112,462	$7M	2.34%	—
5	STATE STREET CORP	93,93093,930	$6M	1.95%	TRIM -6%
6	AMERICAN CENTURY COMPANIES INC	44,18644,186	$3M	0.92%	ADD 58%
7	Hudock, Inc.	40,78740,787	$2M	0.85%	ADD 2%
8	CHARLES SCHWAB INVESTMENT MANAGEMENT INC	37,61637,616	$2M	0.78%	TRIM -4%
9	NORTHERN TRUST CORP	37,08737,087	$2M	0.77%	ADD 6%
10	VANGUARD FIDUCIARY TRUST CO	30,54630,546	$2M	0.64%	NEW
11	DIMENSIONAL FUND ADVISORS LP	28,59028,590	$2M	0.60%	ADD 17%
12	VANGUARD PORTFOLIO MANAGEMENT LLC	26,11526,115	$2M	0.54%	NEW
13	SEGALL BRYANT & HAMILL, LLC	20,70120,701	$1M	0.43%	ADD 28%
14	De Lisle Partners LLP	20,51920,519	$1M	0.43%	ADD 14%
15	MARSHALL WACE, LLP	18,17518,175	$1M	0.38%	ADD 146%
16	GOLDMAN SACHS GROUP INC	17,59817,598	$1M	0.37%	ADD 109%
17	Cyndeo Wealth Partners, LLC	16,29316,293	$996,301	0.34%	—
18	Bank of New York Mellon Corp	15,46315,463	$945,572	0.32%	TRIM -21%
19	Quantinno Capital Management LP	13,85113,851	$846,993	0.29%	ADD 35%
20	MORGAN STANLEY	12,79512,795	$782,416	0.27%	ADD 100%
21	LAWOOD & CO	10,72610,726	$655,895	0.22%	—
22	Squarepoint Ops LLC	10,30810,308	$630,334	0.21%	NEW
23	Trexquant Investment LP	9,8909,890	$604,774	0.21%	TRIM -7%
24	GREAT LAKES ADVISORS, LLC	8,0328,032	$491,157	0.17%	TRIM -12%
25	BANK OF AMERICA CORP /DE/	8,0178,017	$490,239	0.17%	ADD 69%
26	MILLENNIUM MANAGEMENT LLC	7,7527,752	$474,035	0.16%	TRIM -41%
27	Nuveen, LLC	7,1997,199	$440,219	0.15%	—
28	STRS OHIO	6,4006,400	$391,360	0.13%	—
29	Connor, Clark & Lunn Investment Management Ltd.	6,1966,196	$378,885	0.13%	ADD 14%
30	WELLS FARGO & COMPANY/MN	5,9745,974	$365,310	0.12%	TRIM -36%
31	BAILARD, INC.	5,6455,645	$345,192	0.12%	TRIM -22%
32	RHUMBLINE ADVISERS	5,5315,531	$338,551	0.12%	—
33	CITADEL ADVISORS LLC	5,4225,422	$331,555	0.11%	TRIM -42%
34	Cambridge Investment Research Advisors, Inc.	4,9814,981	$305,000	0.10%	—
35	BRIDGEWAY CAPITAL MANAGEMENT, LLC	4,9524,952	$302,815	0.10%	ADD 25%
36	WEATHERLY ASSET MANAGEMENT L. P.	4,9244,924	$301,103	0.10%	—
37	Invesco Ltd.	4,7824,782	$292,420	0.10%	TRIM -4%
38	AQR CAPITAL MANAGEMENT LLC	3,8123,812	$233,104	0.08%	NEW
39	BARCLAYS PLC	3,6513,651	$223,258	0.08%	TRIM -56%
40	COMMONWEALTH EQUITY SERVICES, LLC	3,6423,642	$222,700	0.08%	TRIM -8%
41	PNC FINANCIAL SERVICES GROUP, INC.	3,5783,578	$218,794	0.07%	—
42	UBS Group AG	3,1173,117	$190,604	0.06%	ADD 41%
43	DEUTSCHE BANK AG\	2,7532,753	$168,346	0.06%	TRIM -33%
44	MetLife Investment Management, LLC	2,6582,658	$162,537	0.06%	—
45	MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.	2,1992,199	$134,469	0.05%	ADD 7%
46	Farther Finance Advisors, LLC	1,9431,943	$120,774	0.04%	ADD 26%
47	JPMORGAN CHASE & CO	1,8901,890	$115,346	0.04%	TRIM -37%
48	NEW YORK STATE COMMON RETIREMENT FUND	1,8681,868	$114,228	0.04%	—
49	Vanguard Global Advisers, LLC	1,7931,793	$109,642	0.04%	NEW
50	Police & Firemen's Retirement System of New Jersey	1,4481,448	$88,545	0.03%	—
51	Tower Research Capital LLC (TRC)	1,3411,341	$82,002	0.03%	ADD 581%
52	BNP PARIBAS FINANCIAL MARKETS	1,3301,330	$81,330	0.03%	ADD 9%
53	NBT BANK N A /NY	1,2101,210	$73,992	0.03%	ADD 2023%
54	ROYAL BANK OF CANADA	1,0181,018	$62,000	0.02%	ADD 128%
55	MAI Capital Management	944944	$57,726	0.02%	—
56	NISA INVESTMENT ADVISORS, LLC	716716	$43,783	0.01%	—
57	Federation des caisses Desjardins du Quebec	707707	$43,134	0.01%	—
58	Stone House Investment Management, LLC	496496	$30,325	0.01%	—
59	Legal & General Group Plc	413413	$25,255	0.01%	—
60	Russell Investments Group, Ltd.	382382	$23,359	0.01%	TRIM -9%
61	FMR LLC	374374	$22,870	0.01%	—
62	Ameritas Investment Partners, Inc.	364364	$22,259	0.01%	—
63	CITIGROUP INC	305305	$18,651	0.01%	ADD 56%
64	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	245245	$14,982	0.01%	TRIM -12%
65	FIFTH THIRD BANCORP	240240	$14,676	0.00%	NEW
66	CWM, LLC	150150	$9,173	0.00%	TRIM -4%
67	IFP Advisors, Inc	147147	$8,989	0.00%	ADD 7250%
68	EverSource Wealth Advisors, LLC	147147	$8,989	0.00%	TRIM -30%
69	Sterling Capital Management LLC	140140	$8,561	0.00%	TRIM -42%
70	GAMMA Investing LLC	111111	$6,788	0.00%	TRIM -25%
71	Versant Capital Management, Inc	9797	$5,932	0.00%	ADD 73%
72	Capital Advisors, Ltd. LLC	8383	$5,000	0.00%	—
73	OSAIC HOLDINGS, INC.	7070	$4,319	0.00%	—
74	Arax Advisory Partners	5757	$3,486	0.00%	—
75	UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC	5555	$3,363	0.00%	NEW
76	Optiver Holding B.V.	4848	$2,935	0.00%	TRIM -40%
77	Bare Financial Services, Inc	3838	$2,324	0.00%	—
78	Fortitude Family Office, LLC	3232	$1,957	0.00%	—
79	BROWN BROTHERS HARRIMAN & CO	2626	$1,590	0.00%	TRIM -87%
80	Allworth Financial LP	2323	$1,407	0.00%	NEW
81	Essential Partners LLC	1717	$1,040	0.00%	TRIM -48%
82	Covestor Ltd	1111	$1,000	0.00%	ADD 120%
83	Smartleaf Asset Management LLC	1111	$698	0.00%	TRIM -66%
84	ROTHSCHILD INVESTMENT LLC	44	$245	0.00%	ADD 100%
85	Sunbelt Securities, Inc.	22	$122	0.00%	—
86	Root Financial Partners, LLC	22	$122	0.00%	NEW
87	True Wealth Design, LLC	11	$62	0.00%	—

† a filer this large appearing as NEW usually reflects a renamed or succeeded filing entity (the old name stops filing the same quarter) — not a brand-new position.

Rows rank by the value each filer reported — 13F filers price their own positions, so a holder with fewer shares can rank just above one with more.

Holder trends· top 15 holders · shares held over 6 quarters

green added · red trimmed

Holder

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

BlackRock, Inc.

323K

326K

320K

321K

336K

331K

$20M

VANGUARD CAPITAL MANAGEMENT LLC

—

202K

$12M

CITIZENS & NORTHERN CORP

116K

117K

$7M

GEODE CAPITAL MANAGEMENT, LLC

103K

105K

106K

109K

111K

112K

$7M

STATE STREET CORP

89K

92K

99K

100K

94K

$6M

AMERICAN CENTURY COMPANIES INC

22K

28K

44K

$3M

Hudock, Inc.

41K

40K

41K

$2M

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

36K

37K

39K

38K

$2M

NORTHERN TRUST CORP

41K

39K

38K

35K

37K

$2M

VANGUARD FIDUCIARY TRUST CO

—

31K

$2M

DIMENSIONAL FUND ADVISORS LP

12K

17K

23K

24K

29K

$2M

VANGUARD PORTFOLIO MANAGEMENT LLC

—

26K

$2M

SEGALL BRYANT & HAMILL, LLC

—

11K

28K

27K

16K

21K

$1M

De Lisle Partners LLP

16K

17K

18K

21K

$1M

MARSHALL WACE, LLP

—

18K

$1M

Institutional footprint by quarter

Line breaks are honest gaps — quarters with no 13F record, or a suppressed % — never interpolated. % of shares outstanding uses today's share count for every quarter (the only count stored).

Quarter	Holders	Shares held	% shares out	Value held
2026-Q1	87	1,399,212	29.1%	$86M
2025-Q4	83	1,365,445

Short interest has its own tab now — open SI →

Activists & large holders· Schedule 13D/G beneficial owners · CZFS

Large holders — 13G, passive (top 2 by % of class)

Holder	% of class	Type	As of
BlackRock, Inc.	7%	QII	2026-06-30	SEC →
VANGUARD GROUP INC	0%	QII	2026-03-13	SEC →

CZFS US Equity☆

Institutional ownership· 13F filers holding CZFS · 2026-Q1 methodology → sources →

Top holders

Holder trends· top 15 holders · shares held over 6 quarters

Institutional footprint by quarter

Activists & large holders· Schedule 13D/G beneficial owners · CZFS

Institutional ownership· 13F filers holding CZFS · 2026-Q1 methodology → sources →

Top holders

Holder trends· top 15 holders · shares held over 6 quarters

Institutional footprint by quarter

Activists & large holders· Schedule 13D/G beneficial owners · CZFS

CZFS US Equity