CITIZENS FINANCIAL SERVICES INC (CZFS)

Accumulating

Strong institutional accumulation: ownership increased +19.24% quarter-over-quarter.

Data as of Q1 2026

Institutional Ownership

56.69%

QoQ Change

+19.24%

Total Value

$14.6B

Shares Outstanding

4.8M

Crowding AnalysisCrowded

Holders85of 5,944

Avg: 68

Uncrowded86th percentileCrowded

Institutional Activity

Buy/Sell Ratio1.24x

64th percentile

41 buying33 selling

+10

New

-6

Closed

+34K

Net shares

Holding Period Distribution

estimate

Median: 1 QAvg: 1 QHolders: 2

Ownership Concentration

Top 5: 31.4%Top 10: 38.4%

BlackRock,12.2%

VANGUARD CAPITAL MANAGEMENT7.4%

CITIZENS & NORTHERN4.3%

GEODE CAPITAL MANAGEMENT,4.1%

STATE STREET3.5%

Others (-3)68.6%

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Conviction-Weighted Ownership

Median weight: 0.00%Avg weight: 0.22%Max: 1.79%High conviction (>1%): 1

BlackRock,

VANGUARD CAPITAL MANAGEMENT

CITIZENS & NORTHERN

GEODE CAPITAL MANAGEMENT,

STATE STREET

AMERICAN CENTURY COMPANIES

Hudock,

CHARLES SCHWAB INVESTMENT MANAGEMENT

NORTHERN TRUST

VANGUARD FIDUCIARY TRUST

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Whale Moves Timeline (8 Quarters)

Biggest dollar-value position changes among top 10 holders

NEWVANGUARD CAPITAL MANAGEMENT$12M202K shr

NEWVANGUARD FIDUCIARY TRUST$2M31K shr

BOUGHTAMERICAN CENTURY COMPANIES$997K16K shr

SOLDSTATE STREET$349K6K shr

SOLDBlackRock$282K5K shr

NEWDIMENSIONAL FUND ADVISORS$1M24K shr

BOUGHTBlackRock$878K15K shr

BOUGHTVANGUARD GROUP$380K7K shr

SOLDNORTHERN TRUST$142K2K shr

BOUGHTGEODE CAPITAL MANAGEMENT$79K1K shr

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Institutional Trends (8 Quarters)

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Institutional Holders

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