CZFS (Citizens Financial Services) Institutional Ownership: 29.95% (As of Aug. 29, 2026)

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CZFS Citizens Financial Services Inc CZFS
66 GF Score
Price $80.87
GF Value $63.15
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Citizens Financial Services Institutional Ownership?

Citizens Financial Services CZFS -0.21% 66 Institutional Ownership is 29.95% as of Aug. 29, 2026. GuruFocus rates CZFS with a GF Score™ of 66/100 and a GF Value™ of $63.15 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Institutional ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Citizens Financial Services's institutional ownership is 29.95%.

Insider Ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Citizens Financial Services's Insider Ownership is 13.85%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Citizens Financial Services's Float Percentage Of Total Shares Outstanding is 94.48%.

Citizens Financial Services Institutional Ownership Historical Data

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The historical data trend for Citizens Financial Services's Institutional Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Financial Services Institutional Ownership Chart

Citizens Financial Services Historical Data

The historical data trend for Citizens Financial Services can be seen below:

2025-10-31 2025-11-30 2025-12-31 2026-01-31 2026-02-28 2026-03-31 2026-04-30 2026-05-31 2026-06-30 2026-07-31
Institutional Ownership 22.86 23.02 22.28 22.00 22.49 22.87 22.56 22.63 23.80 24.92
CZFS
66GF Score
Citizens Financial Services Inc CZFS
Institutional Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial Services Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 29.95% mean?
Citizens Financial Services (CZFS) has a Institutional Ownership of 29.95% as of Aug. 29, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Citizens Financial Services and its competitors.
Is Citizens Financial Services' Institutional Ownership too high?
Citizens Financial Services' current Institutional Ownership is 29.95%. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' Institutional Ownership compare to NWFL and WSBF?
Citizens Financial Services' Institutional Ownership of 29.95% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Institutional Ownership for a Banks company?
A good Institutional Ownership depends on the Banks industry context. However, Institutional Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Citizens Financial Services and its competitors. Citizens Financial Services's current Institutional Ownership is 29.95%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current Institutional Ownership is 29.95%. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Institutional Ownership is 29.95% as of Aug. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens Financial Services (CZFS) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued. The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15. GuruFocus considers Citizens Financial Services to be Modestly Overvalued.

Key valuation signals for CZFS:

  • Institutional Ownership: 29.95%
  • GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
  • GF Score™: 66/100 with 8 warning signs

No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens Financial Services Business Description

Address 15 South Main Street, Mansfield, PA, USA, 16933
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score

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Institutional Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.87
Price
$63.15
GF Value