CZFS
CITIZENS FINANCIAL SERVICES INC
$69.65
+2.85%
$334.7M
No data for this timeframe.
Vol
Market Cap$334.7M
Cap SizeSmall Cap
Inst. Holders37 funds
Inst. Value$54.4M
Inst. Activity3 buys / 2 sells
Insider Activity4B / 1S
Insider Net $$51.4K
SEC Reports5
Recent Activity
Jun 10, 2026
Insider
LANDY R JOSEPH gifted 20 shares
Director
Jun 2, 2026
SEC
Two insiders at Citizens Financial Services (CZFS) traded within a week: an SVP purchased $2,100 worth of stock, and an
CLUSTER — Impact 2/10
May 29, 2026
Insider
Guillaume Stephen J bought 34 shares
SENIOR VICE PRESIDENT @ $61.78 ($2.1K)
May 28, 2026
Insider
Gephart LeeAnn sold 24 shares
EXECUTIVE VICE PRESIDENT @ $64.78 ($1.6K)
Apr 30, 2026
earnings_calendar
CZFS Q1 2026 Earnings Scheduled — 2026-04-30
Apr 22, 2026
SEC
Citizens Financial Services, Inc. held its 2026 annual meeting, elected five Class 3 directors, ratified its auditor, an
8-K — Impact 4/10
Apr 21, 2026
SEC
Citizens Financial Services, Inc. (CZFS) released an investor presentation highlighting record earnings in 2025 driven b
8-K — Impact 6/10
Inst.
MARSHALL WACE, LLP — DOUBLED
18,175 shares ($1.1M)
Price Targets
Historical data — last covering-analyst action Apr 2024. No current recommendation available.
$71.00 (Apr 2024)
Current $69.65
Low $71.00
Median $71.00
High $71.00
1 analysts
$71.00
$71.00
Analyst Ratings
2Strong Buy
4Buy
1Hold
0Sell
0Strong Sell
Historical Analyst Actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Apr 30, 2024 | Janney Montgomery Scott | UPGRADE | Neutral → Buy |
| Jun 29, 2023 | Janney Montgomery Scott | DOWNGRADE | Buy → Neutral |
| Jan 26, 2021 | Janney Montgomery Scott | UPGRADE | Neutral → Buy |
Earnings Estimates
| Period | EPS Est. | Range | Growth | # |
|---|---|---|---|---|
| Current Q | $1.98 ▲ +2.6% | $1.98 — $1.98 | 13% YoY | 1 |
| Next Q | $2.02 ▲ +3.6% | $2.02 — $2.02 | -3% YoY | 1 |
| Current FY | $8.23 ▲ +5.4% | $8.23 — $8.23 | 8% YoY | 1 |
| Next FY | $8.31 ▲ +4.8% | $8.31 — $8.31 | 1% YoY | 1 |
Latest Reports
NEUTRAL
CLUSTER
2/10
Two insiders at Citizens Financial Services (CZFS) traded within a week: an SVP purchased $2,100 worth of stock, and an
Jun 2, 2026
NEUTRAL
8-K
4/10
Citizens Financial Services, Inc. held its 2026 annual meeting, elected five Class 3 directors, ratified its auditor, an
Apr 22, 2026
Top Institutional Holders
| Fund | Value | Move |
|---|---|---|
| BlackRock, Inc. | $20.3M | — |
| VANGUARD CAPITAL MANAGEMENT LLC | $12.3M | — |
| STATE STREET CORP | $5.7M | — |
| CHARLES SCHWAB INVESTMENT MANAGEMENT | $2.3M | — |
| VANGUARD FIDUCIARY TRUST CO | $1.9M | — |
Recent Insider Trades
| Date | Insider | Type | Value |
|---|---|---|---|
| Jun 10, 2026 | LANDY R | G | $0.00 |
| May 29, 2026 | Guillaume Stephen | BUY | $2.1K |
| May 28, 2026 | Gephart LeeAnn | SELL | $1.6K |
| May 12, 2026 | Painter John | BUY | $8.9K |
| May 4, 2026 | LANDY R | G | $0.00 |
37 institutional holders with $54.4M total value (889,724 shares) as of 2026-Q1. Top holders: BlackRock,, VANGUARD, STATE. Net buying activity: 3 institutions added/increased vs 2 reduced.
Top Institutional Holders — 2026-Q1
| # | Fund | Shares | Value | % of Tracked | Last Move |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 331,294 | $20.3M | 37.2% | — |
| 2 | VANGUARD CAPITAL MANAGEMENT LLC | 201,701 | $12.3M | 22.7% | — |
| 3 | STATE STREET CORP | 93,930 | $5.7M | 10.6% | — |
| 4 | CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 37,616 | $2.3M | 4.2% | — |
| 5 | VANGUARD FIDUCIARY TRUST CO | 30,546 | $1.9M | 3.4% | — |
| 6 | DIMENSIONAL FUND ADVISORS LP | 28,590 | $1.7M | 3.2% | ADD +32.5% |
| 7 | VANGUARD PORTFOLIO MANAGEMENT LLC | 26,115 | $1.6M | 2.9% | — |
| 8 | MARSHALL WACE, LLP | 18,175 | $1.1M | 2.0% | DOUBLED +145.7% |
| 9 | GOLDMAN SACHS GROUP INC | 17,598 | $1.1M | 2.0% | — |
| 10 | MORGAN STANLEY | 12,795 | $782.4K | 1.4% | ADD +99.7% |
| 11 | Trexquant Investment LP | 9,890 | $604.8K | 1.1% | ADD +71.7% |
| 12 | GREAT LAKES ADVISORS, LLC | 8,032 | $491.2K | 0.9% | — |
| 13 | BANK OF AMERICA CORP /DE/ | 8,017 | $490.2K | 0.9% | ADD +69.2% |
| 14 | Nuveen, LLC | 7,199 | $440.2K | 0.8% | NEAR_EXIT -99.1% |
| 15 | STRS OHIO | 6,400 | $391.4K | 0.7% | ADD +37.8% |
| 16 | Connor, Clark & Lunn Investment Management Ltd. | 6,196 | $378.9K | 0.7% | — |
| 17 | WELLS FARGO & COMPANY/MN | 5,974 | $365.3K | 0.7% | DOUBLED +182.6% |
| 18 | RHUMBLINE ADVISERS | 5,531 | $338.6K | 0.6% | ADD +25.4% |
| 19 | CITADEL ADVISORS LLC | 5,422 | $331.6K | 0.6% | — |
| 20 | Invesco Ltd. | 4,782 | $292.4K | 0.5% | TRIM -45.4% |
Recent Position Changes
| Fund | Action | Prev Shares | Curr Shares | Change % | Value | Quarter |
|---|---|---|---|---|---|---|
| MARSHALL WACE, LLP | DOUBLED | 7,396 | 18,175 | +145.7% | $1.1M | 2026-Q1 |
| MORGAN STANLEY | ADD | 6,406 | 12,795 | +99.7% | $782.4K | 2026-Q1 |
| BANK OF AMERICA CORP /DE/ | ADD | 4,737 | 8,017 | +69.2% | $490.2K | 2026-Q1 |
| DEUTSCHE BANK AG\ | TRIM | 4,139 | 2,753 | -33.5% | $168.3K | 2026-Q1 |
| BROWN BROTHERS HARRIMAN & CO | NEAR_EXIT | 206 | 26 | -87.4% | $1.6K | 2026-Q1 |
| Trexquant Investment LP | ADD | 6,182 | 10,614 | +71.7% | $605.2K | 2025-Q4 |
| BANK OF AMERICA CORP /DE/ | ADD | 2,885 | 4,737 | +64.2% | $270.1K | 2025-Q4 |
| Russell Investments Group, Ltd. | TRIM | 1,463 | 419 | -71.4% | $23.9K | 2025-Q4 |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | TRIM | 11,965 | 8,809 | -26.4% | $531.0K | 2025-Q3 |
| MORGAN STANLEY | TRIM | 9,216 | 5,531 | -40.0% | $333.4K | 2025-Q3 |
| BANK OF AMERICA CORP /DE/ | TRIM | 4,780 | 2,885 | -39.6% | $173.9K | 2025-Q3 |
| Russell Investments Group, Ltd. | DOUBLED | 44 | 1,463 | +3225.0% | $88.2K | 2025-Q3 |
| CWM, LLC | ADD | 92 | 132 | +43.5% | $8.00 | 2025-Q3 |
| DIMENSIONAL FUND ADVISORS LP | ADD | 17,300 | 22,923 | +32.5% | $1.3M | 2025-Q2 |
| Nuveen, LLC | NEAR_EXIT | 759,297 | 7,199 | -99.1% | $422.7K | 2025-Q2 |
| RHUMBLINE ADVISERS | ADD | 5,267 | 6,604 | +25.4% | $388.2K | 2025-Q2 |
| BARCLAYS PLC | ADD | 4,669 | 7,500 | +60.6% | $440.00 | 2025-Q2 |
| DIMENSIONAL FUND ADVISORS LP | ADD | 11,734 | 17,300 | +47.4% | $1.0M | 2025-Q1 |
| MORGAN STANLEY | TRIM | 13,129 | 8,658 | -34.1% | $502.6K | 2025-Q1 |
| UBS Group AG | ADD | 3,404 | 4,642 | +36.4% | $269.5K | 2025-Q1 |
| BANK OF AMERICA CORP /DE/ | TRIM | 5,118 | 3,452 | -32.6% | $200.4K | 2025-Q1 |
| Russell Investments Group, Ltd. | TRIM | 116 | 44 | -62.1% | $2.6K | 2025-Q1 |
| CWM, LLC | DOUBLED | 41 | 87 | +112.2% | $5.00 | 2025-Q1 |
| DIMENSIONAL FUND ADVISORS LP | ADD | 5,894 | 11,734 | +99.1% | $742.9K | 2024-Q4 |
| WELLS FARGO & COMPANY/MN | DOUBLED | 2,417 | 6,830 | +182.6% | $432.4K | 2024-Q4 |
13 unique insiders with 19 transactions. Net insider value: $51.4K ($52.9K bought, $1.6K sold).
Insider Transactions
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Jun 10, 2026 | LANDY R JOSEPH | Director | GIFT | 20 | — | — |
| May 29, 2026 | Guillaume Stephen J | SENIOR VICE PRESIDENT | BUY | 34 | $61.78 | $2.1K |
| May 28, 2026 | Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | SELL | 24 | $64.78 | $1.6K |
| May 12, 2026 | Painter John P II | Director | BUY | 140 | $63.67 | $8.9K |
| May 4, 2026 | LANDY R JOSEPH | Director | GIFT | 40 | — | — |
| Apr 30, 2026 | GRAHAM ROGER C JR | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | OSBORNE TERRY B | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | JONES MICKEY L | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | DePaola Rinaldo A | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | LANDY R JOSEPH | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | Chappell Robert W | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | KUNES CHRISTOPHER W | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | Freeman Thomas E. | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | BOWER JOSEPH B JR | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | Painter John P II | Director | AWARD | 99 | — | — |
| Apr 30, 2026 | Hilfiger Janie M | Director | AWARD | 99 | — | — |
| Mar 19, 2026 | LANDY R JOSEPH | Director | GIFT | 20 | — | — |
| Mar 6, 2026 | Painter John P II | Director | BUY | 675 | $61.00 | $41.2K |
| Feb 27, 2026 | Guillaume Stephen J | SENIOR VICE PRESIDENT | BUY | 13 | $57.06 | $741.78 |
5 SEC filing reports analyzed. Sentiment: 1 bullish, 0 bearish, 0 mixed, 4 neutral. Avg impact: 3.4/10.
NEUTRAL
CLUSTER
2/10
Two insiders at Citizens Financial Services (CZFS) traded within a week: an SVP purchased $2,100 wor
Jun 2, 2026
NEUTRAL
8-K
4/10
Citizens Financial Services, Inc. held its 2026 annual meeting, elected five Class 3 directors, rati
Apr 22, 2026
BULLISH
8-K
6/10
Citizens Financial Services, Inc. (CZFS) released an investor presentation highlighting record earni
Apr 21, 2026
NEUTRAL
DEFA14A
2/10
Analysis based on filing metadata only — document content was unavailable
Mar 12, 2026
NEUTRAL
CLUSTER
3/10
John P. Painter II, an insider at Citizens Financial Services, purchased 675 shares in the open mark
Mar 6, 2026
No press releases analyzed yet. Press releases are collected from GlobeNewsWire and analyzed by the LLM pipeline.
Historical analyst distribution (last covering-analyst action Apr 2024): 86% buy across 7 analysts — 2 strong buy, 4 buy, 1 hold, 0 sell, 0 strong sell. No current recommendation available.
Analyst Price Targets
Historical data — last covering-analyst action Apr 2024. No current recommendation available.
$71.00 mean target (Apr 2024)
$71.00 Low
$71.00 High
| Metric | Value |
|---|---|
| Current Price | $69.65 |
| Target Low | $71.00 |
| Target Mean | $71.00 |
| Target Median | $71.00 |
| Target High | $71.00 |
| # Analysts | 1 |
| Recommendation | — (no recent coverage) |
Earnings Estimates & Revisions
| Period | EPS Avg | EPS Low | EPS High | EPS Growth | 30d Rev. | Up/Down | Rev. Avg | Rev. Growth | Analysts |
|---|---|---|---|---|---|---|---|---|---|
| Current Q 2026-06-30 |
$1.98 | $1.98 | $1.98 | 12.5% | +2.6% | 1↑ 0↓ | $0.0B | — | 1 |
| Next Q 2026-09-30 |
$2.02 | $2.02 | $2.02 | -3.4% | +3.6% | 1↑ 0↓ | $0.0B | — | 1 |
| Current FY 2026-12-31 |
$8.23 | $8.23 | $8.23 | 8.0% | +5.4% | 1↑ 0↓ | $0.0B | — | 1 |
| Next FY 2027-12-31 |
$8.31 | $8.31 | $8.31 | 1.0% | +4.8% | 1↑ 0↓ | $0.0B | — | 1 |
Current Quarter EPS Revision History
| Timepoint | EPS Estimate | Change |
|---|---|---|
| Current | $1.980 | |
| 7d ago | $1.930 | +0.050 |
| 30d ago | $1.930 | +0.050 |
| 60d ago | $1.930 | +0.050 |
| 90d ago | $0.000 | +1.980 |
1 analyst firms have rated this stock: 2 upgrades, 1 downgrades, 0 initiations.
Historical Analyst Actions
| Date | Analyst Firm | Action | Previous Rating | New Rating |
|---|---|---|---|---|
| Apr 30, 2024 | Janney Montgomery Scott | UPGRADE | Neutral | Buy |
| Jun 29, 2023 | Janney Montgomery Scott | DOWNGRADE | Buy | Neutral |
| Jan 26, 2021 | Janney Montgomery Scott | UPGRADE | Neutral | Buy |
Monthly Consensus History
| Period | Strong Buy | Buy | Hold | Sell | Strong Sell | Buy % | Distribution |
|---|---|---|---|---|---|---|---|
| Jun 1, 2026 | 2 | 4 | 1 | 0 | 0 | 86% | |
| May 1, 2026 | 2 | 4 | 1 | 0 | 0 | 86% | |
| Apr 1, 2026 | 2 | 4 | 1 | 0 | 0 | 86% | |
| Mar 1, 2026 | 2 | 4 | 1 | 0 | 0 | 86% | |
| Feb 1, 2026 | 3 | 3 | 1 | 0 | 0 | 86% | |
| Jan 1, 2026 | 3 | 3 | 1 | 0 | 0 | 86% |
Strong BuyBuyHoldSellStrong Sell
No congressional trading data available for this ticker. Data is sourced from Senate and House financial disclosure filings.
No Reddit sentiment data available yet. Sentiment is analyzed from Reddit investment communities on a rolling basis.
Apr 30, 2026
earnings_calendar
CZFS Q1 2026 Earnings Scheduled — 2026-04-30