CITIZENS FINANCIAL SERVICES INC
Citizens Financial Services, Inc. (NASDAQ: CZFS) operates as a bank holding company headquartered in Mansfield, Pennsylvania, with its primary subsidiary being First Citizens Community Bank. The company maintains a comprehensive website at www.firstcitizensbank.com where investors and customers can access financial… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What CITIZENS FINANCIAL SERVICES INC does
In the company’s own words
Citizens Financial Services, Inc. (NASDAQ: CZFS) operates as a bank holding company headquartered in Mansfield, Pennsylvania, with its primary subsidiary being First Citizens Community Bank. The company maintains a comprehensive website at www.firstcitizensbank.com where investors and customers can access financial information and banking services.
The Bank provides a full range of financial services to individual, business, governmental, and institutional customers across multiple states. Core offerings include checking and savings accounts, time deposits, residential and commercial real estate lending, agricultural lending, commercial and industrial loans, consumer loans, and specialized financial services through its Trust and Investment division, which manages client investments, estates, mineral interests, and retirement accounts. The company also operates First Citizens Insurance Agency, Inc., providing insurance services to customers.
As of December 31, 2025, Citizens Financial Services employed 405 total employees, with approximately 71% being women and 19% having tenure of fifteen years or more. The company operates 38 full-service branch offices, two limited branch offices, and two mortgage centers across its service territories.
The Bank's geographic footprint spans north central Pennsylvania, including Bradford, Clinton, Potter, Lycoming, and Tioga counties, as well as portions of southern New York and central Pennsylvania. The company expanded into Delaware through the 2020 acquisition of MidCoast Community Bancorp and its subsidiary MidCoast Community Bank, adding offices in Wilmington and Dover. Further expansion occurred with the 2023 acquisition of HV Bancorp and Huntingdon Valley Bank, establishing presence in southeastern Pennsylvania, including Montgomery, Bucks, and Philadelphia counties, plus portions of New Jersey.
The Bank's loan portfolio reflects its regional focus, with significant concentrations in commercial real estate, agricultural lending, and residential mortgages. Agricultural loans represent a meaningful portion of the portfolio, with particular exposure to dairy, poultry, and crop operations. The company's market areas feature diversified economies encompassing manufacturing, retail trade, services, agriculture, and natural resource production, including natural gas exploration in the Marcellus and Utica Shale formations.
Citizens Financial Services maintains membership in the Federal Reserve System and is regulated by both the Pennsylvania Department of Banking and Securities and the Federal Reserve Board.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- MANSFIELD, PA
- Fiscal year end
- December
- CIK
- 739421
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns CITIZENS FINANCIAL SERVICES INC — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · CITIZENS FINANCIAL SERVICES INC’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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