Citizens Financial Services (CZFS) reported third-quarter 2026 net income of $11.9 million, up 19.2% from $10.0 million a year earlier. Basic and diluted earnings per share were both $2.48, compared with $2.09 in the prior-year quarter.
Net interest income before the provision for credit losses rose 8.4% to $27.3 million. The company recorded no provision for credit losses in the third quarter, compared with a $500,000 provision in the year-earlier period.
- Total assets were $3.41 billion at September 30, 2026, compared with $3.06 billion at December 31, 2025.
- Deposits increased $132.4 million from year-end to $2.51 billion.
- Net loans totaled $2.36 billion, up $115.4 million from December 31, 2025.
- Non-performing assets totaled $51.5 million, or 2.16% of loans, at September 30.
- The board declared a quarterly cash dividend of $0.51 per share, paid September 25, 2026.
$CZFS Insider Trading Activity
$CZFS insiders have traded $CZFS stock on the open market 6 times in the past 6 months. Of those trades, 3 have been purchases and 3 have been sales.
Here’s a breakdown of recent trading of $CZFS stock by insiders over the last 6 months:
- JOHN P II PAINTER purchased 160 shares for an estimated $12,883
- LEEANN GEPHART (EXECUTIVE VICE PRESIDENT) has made 0 purchases and 3 sales selling 68 shares for an estimated $4,556.
- STEPHEN J GUILLAUME (SENIOR VICE PRESIDENT) has made 2 purchases buying 58 shares for an estimated $3,932 and 0 sales.
To track insider transactions, check out Quiver Quantitative's insider trading dashboard. You can access data on insider stock transactions through the Quiver Quantitative API insider transaction endpoint.
$CZFS Hedge Fund Activity
We have seen 43 institutional investors add shares of $CZFS stock to their portfolio, and 24 decrease their positions in their most recent quarter.
Here are some of the largest recent moves:
- SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. added 38,696 shares (+inf%) to their portfolio in Q2 2026, for an estimated $2,803,138
- BLACKROCK, INC. added 23,257 shares (+7.0%) to their portfolio in Q2 2026, for an estimated $1,684,737
- SEGALL BRYANT & HAMILL, LLC added 20,701 shares (+inf%) to their portfolio in Q2 2026, for an estimated $1,499,580
- MARSHALL WACE, LLP removed 9,067 shares (-49.9%) from their portfolio in Q2 2026, for an estimated $656,813
- GEODE CAPITAL MANAGEMENT, LLC added 7,348 shares (+6.5%) to their portfolio in Q2 2026, for an estimated $532,289
- MORGAN STANLEY removed 6,629 shares (-51.8%) from their portfolio in Q2 2026, for an estimated $480,204
- QUANTINNO CAPITAL MANAGEMENT LP added 6,545 shares (+47.3%) to their portfolio in Q2 2026, for an estimated $474,119
To track hedge funds' stock portfolios, check out Quiver Quantitative's institutional holdings dashboard. You can access data on hedge funds moves and 13F filings through the Quiver Quantitative API 13F endpoint.
