CZFS · Citizens Financial Services Inc · Shareholders & Ownership

$79.80 -0.70 (-0.87%)

Russell 2000 member Rebalance outlook locked

Market Cap

$387.19M

4.81M

Volume · Oct 21 18.63K Avg daily vol (3M) 36.66K

Every disclosed holder of CZFS in one list: 13F institutions, Schedule 13D and 13G filers, insiders (Forms 3, 4 and 5) and registered funds, each from its own latest filing. Holders nest by CIK and SEC reporting links, never by name, and each is summed once.

How the holder list picks a filing →

Who Owns CZFS

13F quarter Sep 30, 2026, combined view: filers that have not filed yet carry their Jun 30, 2026 positions

Holder group	Holders	Shares	% Out	Summed
Institutional (13F)	87	1,475,550	30.68%	Yes
Insiders (Forms 3, 4, 5)	21	315,856	6.57%	Yes
13D/G-only blocks	0	0	0.00%	Yes
Remaining	—	3,018,449	62.76%	Rest
Registered funds (N-PORT, not summed)	134	700,791	14.57%	No

Shares outstanding: 4,809,855, the issuer's latest cover-page count restated onto today's split basis.

13D/G-only counts each filer's latest 13D or 13G that no 13F report of the listing contains, that names no 13F filer and that no counted insider files. Funds are never summed: their shares sit inside their advisers' 13F reports.

Holders of CZFS

One row per holder Every filing By ultimate parent

All 13F Funds Insiders 13D/G Non-US

#	Holder	Shares	% Out	Change	As of	Notes
1	BlackRock, Inc. 13F CIK 2012383 · Holding company · Jun 30, 2026 carried, not yet filed for the newest quarter	354,551	7.37%	+23,257	Jun 30, 2026	carried, not yet filed for the newest quarter
1.1	BlackRock, Inc. 13G CIK 2012383 · Holding company · Jun 30, 2026 Rule 13d-1(b), qualified institution, not summed	338,529	7.04%	—	Jun 30, 2026	Rule 13d-1(b), qualified institution, not summed
1.2	iShares Russell 2000 ETF Fund S000004344 · Registered fund · Jun 30, 2026 iShares Trust, not summed	121,142	2.52%	+3,722	Jun 30, 2026	iShares Trust, not summed
1.3	iShares Russell 2000 Value ETF Fund S000004342 · Registered fund · Jun 30, 2026 iShares Trust, not summed	43,649	0.91%	+7,542	Jun 30, 2026	iShares Trust, not summed
1.4	iShares Micro-Cap ETF Fund S000004439 · Registered fund · Jun 30, 2026 iShares Trust, not summed	15,850	0.33%	+4,330	Jun 30, 2026	iShares Trust, not summed
1.5	Master Small Cap Index Series Fund S000002716 · Registered fund · Jun 30, 2026 Quantitative Master Series LLC, not summed	9,202	0.19%	+1,650	Jun 30, 2026	Quantitative Master Series LLC, not summed
2	VANGUARD CAPITAL MANAGEMENT LLC 13F CIK 2100119 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	200,789	4.17%	-912	Jun 30, 2026	carried, not yet filed for the newest quarter
3	VANGUARD TOTAL STOCK MARKET INDEX FUND Fund S000002848 · Registered fund · Jun 30, 2026 VANGUARD INDEX FUNDS, not summed	141,034	2.93%	+1,021	Jun 30, 2026	VANGUARD INDEX FUNDS, not summed
4	GEODE CAPITAL MANAGEMENT, LLC 13F CIK 1214717 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	119,810	2.49%	+7,348	Jun 30, 2026	carried, not yet filed for the newest quarter
5	CITIZENS & NORTHERN CORP 13F CIK 810958 · Bank · Jun 30, 2026 carried, not yet filed for the newest quarter	117,063	2.43%	0	Jun 30, 2026	carried, not yet filed for the newest quarter
6	STATE STREET CORP 13F CIK 93751 · Bank · Jun 30, 2026 carried, not yet filed for the newest quarter	92,835	1.93%	-1,095	Jun 30, 2026	carried, not yet filed for the newest quarter
6.1	STATE STREET SMALL/MID CAP EQUITY INDEX PORTFOLIO Fund S000050332 · Registered fund · Jun 30, 2026 STATE STREET INSTITUTIONAL INVESTMENT TRUST, not summed	1,726	0.04%	+300	Jun 30, 2026	STATE STREET INSTITUTIONAL INVESTMENT TRUST, not summed
6.2	State Street Total Return V.I.S. Fund Fund S000001637 · Registered fund · Jun 30, 2026 STATE STREET VARIABLE INSURANCE SERIES FUNDS INC, not summed	97	0.00%	0	Jun 30, 2026	STATE STREET VARIABLE INSURANCE SERIES FUNDS INC, not summed
6.3	State Street Balanced Index Fund Fund S000082802 · Registered fund · Jun 30, 2026 STATE STREET INSTITUTIONAL INVESTMENT TRUST, not summed	43	0.00%	0	Jun 30, 2026	STATE STREET INSTITUTIONAL INVESTMENT TRUST, not summed
7	Hudock, Inc. 13F CIK 1543536 · Registered investment adviser · Sep 30, 2026	79,603	1.66%	+1,511	Sep 30, 2026
8	GRAHAM ROGER C JR Insider CIK 1215854 · Sep 15, 2026 Director, issuer-wide	69,964	1.45%	+565	Sep 15, 2026	Director, issuer-wide
9	VANGUARD EXTENDED MARKET INDEX FUND Fund S000002841 · Registered fund · Jun 30, 2026 VANGUARD INDEX FUNDS, not summed	55,418	1.15%	-194	Jun 30, 2026	VANGUARD INDEX FUNDS, not summed
10	BLACK RANDALL E Insider CIK 1215809 · Jun 25, 2026 Director, CEO & PRESIDENT, issuer-wide	46,802	0.97%	+899	Jun 25, 2026	Director, CEO & PRESIDENT, issuer-wide
11	AMERICAN CENTURY COMPANIES INC 13F CIK 748054 · Unknown · Jun 30, 2026 carried, not yet filed for the newest quarter	44,108	0.92%	-78	Jun 30, 2026	carried, not yet filed for the newest quarter
12	CHARLES SCHWAB INVESTMENT MANAGEMENT INC 13F CIK 884546 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	38,696	0.80%	+1,080	Jun 30, 2026	carried, not yet filed for the newest quarter
12.1	Schwab U.S. Small-Cap ETF Fund S000026636 · Registered fund · May 31, 2026 SCHWAB STRATEGIC TRUST, not summed	23,149	0.48%	-218	May 31, 2026	SCHWAB STRATEGIC TRUST, not summed
12.2	Schwab Small-Cap Index Fund Fund S000005912 · Registered fund · Jul 31, 2026 SCHWAB CAPITAL TRUST, not summed	11,260	0.23%	+1,345	Jul 31, 2026	SCHWAB CAPITAL TRUST, not summed
12.3	Schwab U.S. Broad Market ETF Fund S000026631 · Registered fund · May 31, 2026 SCHWAB STRATEGIC TRUST, not summed	2,266	0.05%	0	May 31, 2026	SCHWAB STRATEGIC TRUST, not summed
12.4	Schwab Total Stock Market Index Fund Fund S000005913 · Registered fund · Jul 31, 2026 SCHWAB CAPITAL TRUST, not summed	2,033	0.04%	0	Jul 31, 2026	SCHWAB CAPITAL TRUST, not summed
13	NORTHERN TRUST CORP 13F CIK 73124 · Bank · Jun 30, 2026 carried, not yet filed for the newest quarter	37,370	0.78%	+283	Jun 30, 2026	carried, not yet filed for the newest quarter
13.1	Small Cap Index Fund Fund S000001245 · Registered fund · Jun 30, 2026 Northern Funds, not summed	2,438	0.05%	+547	Jun 30, 2026	Northern Funds, not summed
13.2	Small Cap Core Fund Fund S000001244 · Registered fund · Jun 30, 2026 Northern Funds, not summed	195	0.00%	0	Jun 30, 2026	Northern Funds, not summed
14	Avantis U.S. Small Cap Value ETF Fund S000066459 · Registered fund · May 31, 2026 American Century ETF Trust, not summed	33,903	0.70%	+4,014	May 31, 2026	American Century ETF Trust, not summed
15	VANGUARD FIDUCIARY TRUST CO 13F CIK 933478 · Unknown · Jun 30, 2026 carried, not yet filed for the newest quarter	32,192	0.67%	+1,646	Jun 30, 2026	carried, not yet filed for the newest quarter
16	DIMENSIONAL FUND ADVISORS LP 13F CIK 354204 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	31,639	0.66%	+3,049	Jun 30, 2026	carried, not yet filed for the newest quarter
16.1	U.S. SMALL CAP VALUE PORTFOLIO Fund S000000987 · Registered fund · Jul 31, 2026 DFA INVESTMENT DIMENSIONS GROUP INC, not summed	5,276	0.11%	+187	Jul 31, 2026	DFA INVESTMENT DIMENSIONS GROUP INC, not summed
16.2	Dimensional U.S. Small Cap ETF Fund S000070906 · Registered fund · Jul 31, 2026 Dimensional ETF Trust, not summed	5,052	0.11%	+402	Jul 31, 2026	Dimensional ETF Trust, not summed
16.3	Dimensional US Small Cap Value ETF Fund S000075151 · Registered fund · Jul 31, 2026 Dimensional ETF Trust, not summed	4,042	0.08%	+1,088	Jul 31, 2026	Dimensional ETF Trust, not summed
16.4	Dimensional U.S. Targeted Value ETF Fund S000070901 · Registered fund · Jul 31, 2026 Dimensional ETF Trust, not summed	2,268	0.05%	+58	Jul 31, 2026	Dimensional ETF Trust, not summed
16.5	U.S. Targeted Value Portfolio Fund S000000970 · Registered fund · Jul 31, 2026 DFA INVESTMENT DIMENSIONS GROUP INC, not summed	1,525	0.03%	0	Jul 31, 2026	DFA INVESTMENT DIMENSIONS GROUP INC, not summed
17	VANGUARD PORTFOLIO MANAGEMENT LLC 13F CIK 2100121 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	31,314	0.65%	+5,199	Jun 30, 2026	carried, not yet filed for the newest quarter
18	SCHADLER ALLETTA M Insider CIK 1660129 · Jun 27, 2025 Insider, issuer-wide	30,139	0.63%	+298	Jun 27, 2025	Insider, issuer-wide
19	LANDY R JOSEPH Insider CIK 1215877 · Sep 22, 2026 Director, issuer-wide	28,051	0.58%	-40	Sep 22, 2026	Director, issuer-wide
20	VANGUARD RUSSELL 2000 INDEX FUND Fund S000030003 · Registered fund · May 31, 2026 VANGUARD SCOTTSDALE FUNDS, not summed	23,310	0.48%	+890	May 31, 2026	VANGUARD SCOTTSDALE FUNDS, not summed
21	SEGALL BRYANT & HAMILL, LLC 13F CIK 1006378 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	20,701	0.43%	0	Jun 30, 2026	carried, not yet filed for the newest quarter
22	De Lisle Partners LLP 13F CIK 2011184 · Non-US institution · Jun 30, 2026 carried, not yet filed for the newest quarter	20,519	0.43%	0	Jun 30, 2026	carried, not yet filed for the newest quarter
23	Quantinno Capital Management LP 13F CIK 1759654 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	20,396	0.42%	+6,545	Jun 30, 2026	carried, not yet filed for the newest quarter
24	DePaola Rinaldo A Insider CIK 1357944 · Sep 15, 2026 Director, issuer-wide	19,035	0.40%	+70	Sep 15, 2026	Director, issuer-wide
25	Bank of New York Mellon Corp 13F CIK 1390777 · Bank · Jun 30, 2026 carried, not yet filed for the newest quarter	16,376	0.34%	+913	Jun 30, 2026	carried, not yet filed for the newest quarter
26	Cyndeo Wealth Partners, LLC 13F CIK 1950947 · Registered investment adviser · Sep 30, 2026	16,273	0.34%	-108	Sep 30, 2026
27	JONES MICKEY L Insider CIK 1297470 · Sep 15, 2026 Director, issuer-wide	15,055	0.31%	+70	Sep 15, 2026	Director, issuer-wide
28	OSBORNE TERRY B Insider CIK 1215841 · Sep 15, 2026 Director, issuer-wide	13,430	0.28%	+70	Sep 15, 2026	Director, issuer-wide
29	Freeman Thomas E. Insider CIK 1479588 · Sep 15, 2026 Director, issuer-wide	13,423	0.28%	+164	Sep 15, 2026	Director, issuer-wide
30	KUNES CHRISTOPHER W Insider CIK 1761558 · Sep 15, 2026 Director, issuer-wide	13,248	0.28%	+115	Sep 15, 2026	Director, issuer-wide
31	Behm John D Insider CIK 1693115 · Sep 15, 2026 Insider, issuer-wide	13,203	0.27%	+70	Sep 15, 2026	Insider, issuer-wide
32	Chappell Robert W Insider CIK 1357956 · Sep 15, 2026 Director, issuer-wide	13,106	0.27%	+239	Sep 15, 2026	Director, issuer-wide
33	GOLDMAN SACHS GROUP INC 13F CIK 886982 · Holding company · Jun 30, 2026 carried, not yet filed for the newest quarter	11,982	0.25%	-5,616	Jun 30, 2026	carried, not yet filed for the newest quarter
33.1	Goldman Sachs Absolute Return Tracker Fund Fund S000020314 · Registered fund · Jun 30, 2026 GOLDMAN SACHS TRUST, not summed	2,618	0.05%	+1,454	Jun 30, 2026	GOLDMAN SACHS TRUST, not summed
34	LAWOOD & CO 13F CIK 2109484 · Unknown · Sep 30, 2026	10,726	0.22%	0	Sep 30, 2026
35	STRS OHIO 13F CIK 820478 · Pension or benefit plan · Jun 30, 2026 carried, not yet filed for the newest quarter	9,800	0.20%	+3,400	Jun 30, 2026	carried, not yet filed for the newest quarter
36	Trexquant Investment LP 13F CIK 1633445 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	9,643	0.20%	-247	Jun 30, 2026	carried, not yet filed for the newest quarter
37	AQR CAPITAL MANAGEMENT LLC 13F CIK 1167557 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	9,400	0.20%	+5,588	Jun 30, 2026	carried, not yet filed for the newest quarter
38	MARSHALL WACE, LLP 13F CIK 1318757 · Exempt reporting adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	9,108	0.19%	-9,067	Jun 30, 2026	carried, not yet filed for the newest quarter
39	WILSON JEFFREY L Insider CIK 1503523 · Jun 25, 2026 EXECUTIVE VICE PRESIDENT, issuer-wide	8,337	0.17%	+311	Jun 25, 2026	EXECUTIVE VICE PRESIDENT, issuer-wide
40	WELLS FARGO & COMPANY/MN 13F CIK 72971 · Bank · Jun 30, 2026 carried, not yet filed for the newest quarter	8,153	0.17%	+2,179	Jun 30, 2026	carried, not yet filed for the newest quarter
41	GREAT LAKES ADVISORS, LLC 13F CIK 1078013 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	7,797	0.16%	-235	Jun 30, 2026	carried, not yet filed for the newest quarter
42	Nuveen, LLC 13F CIK 1871926 · Unknown · Jun 30, 2026 carried, not yet filed for the newest quarter	7,703	0.16%	+504	Jun 30, 2026	carried, not yet filed for the newest quarter
42.1	Nuveen Small Cap Blend Index Fund Fund S000005367 · Registered fund · Jul 31, 2026 TIAA-CREF Funds, not summed	6,438	0.13%	+504	Jul 31, 2026	TIAA-CREF Funds, not summed
42.2	Nuveen Life Stock Index Fund Fund S000005094 · Registered fund · Jun 30, 2026 TIAA-CREF Life Funds, not summed	63	0.00%	0	Jun 30, 2026	TIAA-CREF Life Funds, not summed
43	CITADEL ADVISORS LLC 13F CIK 1423053 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	7,254	0.15%	+1,832	Jun 30, 2026	carried, not yet filed for the newest quarter
44	KOSA E GENE Insider CIK 1215851 · Jun 27, 2025 Insider, issuer-wide	7,000	0.15%	+276	Jun 27, 2025	Insider, issuer-wide
45	BANK OF AMERICA CORP /DE/ 13F CIK 70858 · Bank · Jun 30, 2026 carried, not yet filed for the newest quarter	6,828	0.14%	-1,189	Jun 30, 2026	carried, not yet filed for the newest quarter
46	Avantis U.S. Small Cap Equity ETF Fund S000074835 · Registered fund · May 31, 2026 American Century ETF Trust, not summed	6,811	0.14%	-118	May 31, 2026	American Century ETF Trust, not summed
47	Squarepoint Ops LLC 13F CIK 1642575 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	6,560	0.14%	-3,748	Jun 30, 2026	carried, not yet filed for the newest quarter
48	Connor, Clark & Lunn Investment Management Ltd. 13F CIK 1596800 · Registered investment adviser · Jun 30, 2026 carried, not yet filed for the newest quarter	6,396	0.13%	+200	Jun 30, 2026	carried, not yet filed for the newest quarter
49	RAYMOND JAMES FINANCIAL INC 13F CIK 720005 · Unknown · Jun 30, 2026 carried, not yet filed for the newest quarter	6,221	0.13%	+6,221	Jun 30, 2026	carried, not yet filed for the newest quarter
50	MORGAN STANLEY 13F CIK 895421 · Holding company · Jun 30, 2026 carried, not yet filed for the newest quarter	6,166	0.13%	-6,629	Jun 30, 2026	carried, not yet filed for the newest quarter

16 more nested rows are not shown here; Every filing lists them all.

Shares are restated onto today's split basis. Change compares each row with the same holder's previous filing in the same source; a dash means there is none to compare. Nested 13D/G, insider and fund rows are not summed, since a 13F report already holds them.

Showing 1–50 of 191 holders

Create a free account to page through every holder, filter by source and group by ultimate parent.

Key facts CIK 739421 CUSIP 174615104 13F (30d) 14 filings 14 filers Visit website Investor relations