Stock Analysis
Data Source: SEC EDGAR 13F
Updated Hourly

Citizens Finl Svcs Inc (CZFS)

83 + Investors. Track Smart Money conviction in CZFS. See who's accumulating, reducing, or initiating positions.

Current Price
-- USD
Analyst Target
-- (0 analysts)
Upside
0.00%
Net Flow Q/Q
↑ +3
Streak
10Q ▲
Buyers last Q
56%

Smart Money Signals — CZFS

Based on 84 hedge funds · latest filing: 2026 Q1 · updated quarterly

📈

Buying streak — 10 quarters in a row

last 6Q
For 10 consecutive quarters, more hedge funds added CZFS than sold it. That's a consistent pattern of professional buying — not a one-time trade. When institutions keep buying quarter after quarter, it usually means they see a multi-year opportunity, not just a short-term momentum flip.
🏔️

At the ownership peak (100% of max)

100% of all-time peak
84 hedge funds hold CZFS right now — the highest count in 3.0 years. When ownership is this concentrated, any bad news can trigger a chain reaction: one big fund sells, others follow. This is a classic 'crowded trade' — high popularity doesn't equal safety.
🚀

Fast accumulation — +22% more funds vs a year ago

fund count last 6Q
+15 new funds entered over the past year (+22% YoY). That's a rapid rush of institutional money. Fast accumulation often signals a major thesis — but it also means the stock could fall quickly if that thesis breaks.
🟡

Slight buying edge — 56% buying

41 buying32 selling
Last quarter: 41 funds bought or added vs 32 that reduced or exited. It's nearly a 50/50 split — some institutions are convinced, others are taking profits. This mixed picture is normal near price highs.
➡️

Steady new buyers — ~11 new funds per quarter

new funds entering per quarter
Funds opening this position for the first time: 9 → 12 → 9 → 11. A stable flow of new institutional buyers suggests ongoing interest without signs of either acceleration or slowdown.
🔒

42% of holders stayed for 2+ years

■ 42% conviction (2yr+) ■ 35% medium ■ 24% new
35 out of 84 hedge funds have held CZFS for over 2 years without selling. Long-term investors are generally harder to shake out during market stress, creating a stable ownership base that limits the risk of sudden capitulation.
➡️

Steady discovery — ~11 new funds/quarter

13 → 9 → 12 → 9 → 11 new funds/Q
New funds entering each quarter: 9 → 12 → 9 → 11. Consistent flow of new institutional buyers without clear acceleration or slowdown.
🏛️

Veteran-anchored — 42% veterans vs 33% newcomers

■ 42% veterans ■ 25% 1-2yr ■ 33% new
Entry-cohort mix of 84 holders: 35 (42%) are 2+ year veterans, 21 entered 1–2 years ago, and 28 (33%) joined within the past year. A veteran-weighted cap table skews toward institutional memory over fresh momentum.
✅

Strong quality — 33% AUM from major funds

33% from top-100 AUM funds
27 of 84 holders rank in the top 100 by AUM, accounting for 33% of total institutional value held. A meaningful share of the ownership value comes from the most well-resourced institutions.
3.9
out of 10
Low Exit Risk
Exit risk score 3.9/10 — low institutional crowding. Ownership is below peak levels, holder base is relatively sticky, and buying momentum is positive.

Methodology note: these Smart Money cards use consecutive 13F disclosure snapshots, not trade-by-trade execution data. "Buying", "selling", "new holders", and "trimmed" refer to quarter-over-quarter changes in reported holders, aggregate shares, or disclosed position values between filings. They are useful for ownership regime analysis and crowding, but they do not imply exact trade timing on the filing date.

Institutional Sentiment Summary — CZFS

In 2026 Q1, 41 hedge funds were net buyers of CZFS (11 opened a new position, 30 added to an existing one), while 32 reduced or exited (24 trimmed, 8 sold completely) — a 56% buyer ratio, indicating a slight buying edge. This marks 10 consecutive quarters of net institutional buying — a persistent conviction signal. 33% of total institutional value in CZFS is held by top-100 AUM funds, reflecting strong institutional quality. Net fund flow last quarter: +3 funds (more new holders than closures). Total institutional holders: 84.

Hedge Fund Ownership: CZFS

How many hedge funds hold CZFS — quarterly history vs. share price
Quarterly hedge fund ownership of CZFS vs. share price

Market Analysis: CZFS

Analyst Price Targets

Avg. Price Target
--

Analyst Recommendations

Stock Performance

Real-time

Company Profile: CZFS

-- --

Institutional ownership data sourced from SEC EDGAR Form 13F-HR filings.

Is It Too Late to Buy Citizens Finl Svcs Inc (CZFS) Based on Hedge Fund 13F Filings?

Signal Freshness measures how much CZFS has moved relative to its sector benchmark (XLF) since the 2026 Q2 13F filing. A stock that has barely outrun its sector is still a relatively fresh entry point — the fund's thesis has not yet been priced in by the broader market.

Since Quarter End June 30, 2026 · 37d ago
CZFS
+13.2%
XLF
+8.2%

CZFS outperformed XLF by +5.0% since June 30, 2026.

Since 13F Filing Date August 14, 2026 · -8d ago
CZFS
+0.0%
XLF
+0.0%

Since the filing became public, CZFS outperformed XLF by +0.0% .

Interpretation: The stock is tracking its sector benchmark closely. The signal remains fresh and the entry point is still near the fund's implied reference. Learn more →

Smart Money Signal ?
Limited Smart Money Interest

No strong consensus or elite conviction detected among institutional holders.

13 top-rated funds 0 high-conviction
Consensus
5.0
/ 10
breadth
×
Elite
0.4
/ 10
conviction
Hedge Fund Positioning: CZFS
2026 Q2 Stats Unlock in 13 days 83 + Investors

Track Smart Money conviction in CZFS. See who's accumulating, reducing, or initiating positions.

Metric All 13F Filers (2026 Q1) Prior (2025 Q4) Change
Funds Holding 83 81 2.47%
13F Shares 1M 1M 0.94%
Total Value $84M $78M 7.55%
New Positions 10 9 +1
Increased Positions 30 24 +6
Closed Positions 8 5 +3
Reduced Positions 24 29 -5
Total Calls 0 0 -
Total Puts 0 0 -
PUT/CALL Ratio 0.0 0.0 Bullish

Statistics: CZFS

View More

Valuation Measures Data as of: --

Market Cap --
Enterprise Value --
Trailing P/E --
Forward P/E --
PEG Ratio (5yr expected) --
Price/Sales (ttm) --
Price/Book (mrq) --
Enterprise Value/Revenue --
Enterprise Value/EBITDA --
Beta (5Y Monthly) --
Short Ratio (Days to Cover) --
Short % of Float --

Financial Highlights

Profitability
Profit Margin --
Return on Assets (ttm) --
Return on Equity (ttm) --
Income Statement & Cash Flow
Revenue (ttm) --
Net Income Avi to Common (ttm) --
Diluted EPS (ttm) --
Total Cash (mrq) --
Total Debt/Equity (mrq) --
Levered Free Cash Flow (ttm) --

Institutional Holders (2026 Q1)

83 + investors

Explore institutional interest and hedge fund ownership dynamics. Analyze portfolio weights, new positions, and conviction trends in CZFS. Verified SEC 13F-HR filings.

QUARTER:
Top 25 CZFS holders by conviction (% of portfolio weight) — 2026 Q1 · Source: SEC Form 13F
# Investor % of Portfolio Shares Mkt Value
1 Citizens & Northern Corp 1.79% 117,063 $7.2M
2 Lawood & Co 0.61% 10,726 $656K
3 Hudock, Inc. 0.37% 40,787 $2.5M
4 De Lisle Partners LLP 0.15% 20,519 $1.3M
5 Cyndeo Wealth Partners, LLC 0.05% 16,293 $996K
6 Weatherly Asset Management L. P. 0.02% 4,924 $301K
7 Bailard, INC. 0.01% 5,645 $345K
8 Bridgeway Capital Management, LLC 0.01% 4,952 $303K
9 Stone House Investment Management, LLC 0.01% 496 $30K
10 Nbt Bank, N.A. 0.00% 1,210 $74K
11 Trexquant Investment LP 0.00% 9,890 $605K
12 Great Lakes Advisors, LLC 0.00% 8,032 $491K
13 Tower Research Capital LLC (TRC) 0.00% 1,341 $82K
14 Strs Ohio 0.00% 6,400 $391K
15 Quantinno Capital Management LP 0.00% 13,851 $847K
16 American Century Companies Inc 0.00% 44,186 $2.7M
17 Farther Finance Advisors, LLC 0.00% 1,943 $121K
18 Marshall Wace, LLP 0.00% 18,175 $1.1M
19 Connor, Clark & Lunn Investment Management Ltd. 0.00% 6,196 $379K
20 MetLife Investment Management, LLC 0.00% 2,658 $163K
21 Police & Firemen's Retirement System of New Jersey 0.00% 1,448 $89K
22 Squarepoint Ops LLC 0.00% 10,308 $630K
23 Ameritas Investment Partners, Inc. 0.00% 364 $22K
24 Bare Financial Services, Inc 0.00% 38 $2K
25 Versant Capital Management, Inc 0.00% 97 $6K
Investor Ownership
History 		% of Portfolio Prev % Rank Conviction Avg Buy Price 13F Score™ 3Y / 7Y Sell Timing Shares Mkt Value Change Change % Source Quarter Filed

Frequently Asked Questions — Citizens Finl Svcs Inc (CZFS)

What does the Smart Money Trend signal show for CZFS?

Buying streak — 10 quarters in a row: For 10 consecutive quarters, more hedge funds added CZFS than sold it. That's a consistent pattern of professional buying — not a one-time trade. When institutions keep buying quarter after quarter, it usually means they see a multi-year opportunity, not just a short-term momentum flip.

What is the institutional breadth score for CZFS?

Slight buying edge — 56% buying: Last quarter: 41 funds bought or added vs 32 that reduced or exited. It's nearly a 50/50 split — some institutions are convinced, others are taking profits. This mixed picture is normal near price highs.

What is the fund quality score for CZFS holders?

Strong quality — 33% AUM from major funds: 27 of 84 holders rank in the top 100 by AUM, accounting for 33% of total institutional value held. A meaningful share of the ownership value comes from the most well-resourced institutions.

How long have hedge funds held CZFS?

42% of holders stayed for 2+ years: 35 out of 84 hedge funds have held CZFS for over 2 years without selling. Long-term investors are generally harder to shake out during market stress, creating a stable ownership base that limits the risk of sudden capitulation.

Is it too late to buy Citizens Finl Svcs Inc (CZFS) following the 2026 Q2 hedge fund 13F filings?

As of today, CZFS has moved +0.0% since the 2026 Q2 13F filing date (August 14, 2026), compared to +0.0% for the XLF sector ETF — an outperformance of +0.0%. Since the quarter end (June 30, 2026), CZFS has gained +13.2% vs +8.2% for XLF. The stock is tracking its sector benchmark closely. The signal remains fresh and the entry point is still near the fund's implied reference.

Where does this institutional ownership data come from?

All holdings data is sourced from SEC Form 13F filings, which institutional investment managers with over $100 million in assets are required to submit quarterly. Data is parsed directly from SEC EDGAR.

Disclaimer: The information on this page is for informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Institutional holdings data is sourced from SEC Form 13F filings and reflects positions as of the filing date. Past performance of any fund or portfolio is not indicative of future results. 13Foresight is not a registered investment adviser. Always conduct your own due diligence before making investment decisions.

Full history →