our goal is to support the growth of the communities we serve. after all, community is in our name. we have a knack for hiring the finest and brightest employees, and understand how fostering their growth builds loyalty, impacting customer service. our employees are our strongest asset. so, we accommodate families, invest in our their future, and recognize hard work. undoubtedly, quality customer service is of the utmost importance to our staff. we concentrate our attention on carefully chosen customer service initiatives; providing customers with the ability to own their own home, send their children to college, and retire in a lifestyle to which they are accustomed. as the number one mortgage lender in the northern tier of pennsylvania, we do what no one else can for our customers! our extensive experience allows us to overcome obstacles that stand in the way of customer satisfaction. in fact, customer surveys consistently show 99% of customers would recommend us to their family and
Company profile
Ticker
CZFS
Exchange
CEO
Randall Black
Employees
Incorporated
Location
Fiscal year end
Sector
Industry (SIC)
SEC CIK
Corporate docs
IRS number
232265045
CZFS stock data
Latest filings (excl ownership)
EFFECT
Notice of effectiveness
5 Dec 23
8-K
19 21 65 59 74 150 0 113 186 83 84 84 248 157 56 Investor Presentation 3rd Quarter 2023 Financial information
27 Nov 23
S-3
Shelf registration
22 Nov 23
8-K
Departure of Directors or Certain Officers
22 Nov 23
10-Q
2023 Q3
Quarterly report
8 Nov 23
8-K
Results of Operations and Financial Condition
23 Oct 23
8-K/A
Index to Financial Statements and Schedule
31 Aug 23
8-K
Departure of Directors or Certain Officers
16 Aug 23
10-Q
2023 Q2
Quarterly report
9 Aug 23
8-K
Results of Operations and Financial Condition
31 Jul 23
Latest ownership filings
4
R JOSEPH LANDY
31 Oct 23
4
Stephen J Guillaume
25 Oct 23
4
R JOSEPH LANDY
25 Oct 23
4/A
Robert Joseph Marino
10 Oct 23
4
Robert Joseph Marino
6 Oct 23
144
Notice of proposed sale of securities
5 Oct 23
4
R JOSEPH LANDY
22 Sep 23
4
Robert Joseph Marino
19 Sep 23
4
DAVID Z RICHARDS JR
19 Sep 23
144
Notice of proposed sale of securities
18 Sep 23
Financial summary
| Quarter (USD) | Sep 23 | Jun 23 | Mar 23 | Dec 22 | |
|---|---|---|---|---|---|
| Revenue | |||||
| Cost of revenue | |||||
| Operating income | |||||
| Operating margin | |||||
| Net income | |||||
| Net profit margin | |||||
| Cash on hand | |||||
| Change in cash | |||||
| Diluted EPS |
| Annual (USD) | Dec 22 | Dec 21 | Dec 20 | Dec 19 | |
|---|---|---|---|---|---|
| Revenue | |||||
| Cost of revenue | |||||
| Operating income | |||||
| Operating margin | |||||
| Net income | |||||
| Net profit margin | |||||
| Cash on hand | |||||
| Change in cash | |||||
| Diluted EPS |
| Cash burn rate (est.) | Burn method: Change in cash | Burn method: Operating income | Burn method: FCF (opex + capex) | Last Q | Avg 4Q | Last Q | Avg 4Q | Last Q | Avg 4Q |
|---|---|---|---|---|---|---|
| Cash on hand (at last report) | 43.34 mm | 43.34 mm | 43.34 mm | 43.34 mm | 43.34 mm | 43.34 mm |
| Cash burn (monthly) | 457.67 k | (no burn) | (no burn) | (no burn) | (no burn) | (no burn) |
| Cash used (since last report) | 1.06 mm | n/a | n/a | n/a | n/a | n/a |
| Cash remaining | 42.28 mm | n/a | n/a | n/a | n/a | n/a |
| Runway (months of cash) | 92.4 | n/a | n/a | n/a | n/a | n/a |
Institutional ownership, Q3 2023
22.7% owned by funds/institutions
| 13F holders | Current |
|---|---|
| Total holders | 46 |
| Opened positions | 4 |
| Closed positions | 8 |
| Increased positions | 12 |
| Reduced positions | 20 |
| 13F shares | Current |
|---|---|
| Total value | 50.39 bn |
| Total shares | 1.07 mm |
| Total puts | 0.00 |
| Total calls | 0.00 |
| Total put/call ratio | – |
| Largest owners | Shares | Value |
|---|---|---|
| BLK Blackrock | 257.90 k | $12.36 bn |
| Vanguard | 217.10 k | $10.40 bn |
| CZNC Citizens & Northern | 88.44 k | $4.24 bn |
| Geode Capital Management | 83.61 k | $4.01 bn |
| Fourthstone | 67.19 k | $3.22 bn |
| STT State Street | 61.08 k | $2.93 bn |
| Hudock | 40.55 k | $1.94 bn |
| Terrapin Asset Management | 37.46 k | $1.80 bn |
| NTRS Northern Trust | 33.03 k | $1.58 bn |
| Charles Schwab Investment Management | 32.74 k | $1.57 bn |
Recent insider trades
| Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
|---|---|---|---|---|---|---|---|---|---|---|
| 27 Oct 23 | Landy R Joseph | COMMON CLASS | Buy | Acquire P | No | No | 47.47 | 268 | 12.72 k | 24,385.043 |
| 27 Oct 23 | Landy R Joseph | COMMON CLASS | Buy | Acquire P | No | No | 47.5 | 500 | 23.75 k | 24,117.043 |
| 25 Oct 23 | Stephen J Guillaume | COMMON CLASS | Buy | Acquire P | No | No | 44.25 | 500 | 22.13 k | 3,068.13 |
| 24 Oct 23 | Landy R Joseph | COMMON CLASS | Gift | Dispose G | No | No | 0 | 20 | 0.00 | 23,617.043 |
| 22 Sep 23 | Landy R Joseph | COMMON CLASS | Gift | Dispose G | No | No | 0 | 20 | 0.00 | 23,451.093 |
| 18 Sep 23 | Richards David Z JR | COMMON CLASS | Sell | Dispose S | No | No | 50.785 | 1,500 | 76.18 k | 1,190.22 |
News
Citizens Financial Servs Q3 EPS $1.61 Beats $1.57 Estimate
23 Oct 23
Stocks That Hit 52-Week Lows On Thursday
5 Oct 23
Stocks That Hit 52-Week Lows On Tuesday
3 Oct 23
Stocks That Hit 52-Week Lows On Friday
15 Sep 23
Citizens Financial Servs's Ex-Dividend Date Is Thursday, Here's What You Need To Know
11 Sep 23