Score Breakdown
Offering Ability
40
Cash Runway—
Float Risk
12
Warrant Exposure
40
Convertible Debt
40
Dilution Forecast
☀️
Clear
No significant dilution signals
model est. 0%
No significant dilution signals detected for CZFS.
Market Data
Market Cap$312.46M
Shares Outstanding4.81M
Float4.50M
Cash$39.43M
Debt$202.92M
Short InterestN/A
Institutional Holdings
QoQ: ↑ 21.2% shares (2026Q1 vs prior)
87 institutional holders · 1.67M shares
#1
VANGUARD CAPITAL MANAGEMENT LLC
403.4K shares
#2
BlackRock, Inc.
331.3K shares
#3
CITIZENS & NORTHERN CORP
117.1K shares
+ 17 more holders Sign up free to view →
Institutional holder totals are aggregated from ownership filings and may use a different share basis or reporting date than public float. They are not a reconciliation against tradeable float.
Short Interest
Short Interest60.1K
Days to Cover2.7
% of Float1.3%
FINRA data as of Jul 31, 2026
Recent SEC Activity
8-K
8K EVENT
2026-04-22
4
INSIDER TRANSACTION
2026-03-19
4
INSIDER TRANSACTION
2026-03-06
4
INSIDER TRANSACTION
2026-03-02
3
FORM3
2026-01-27
Full SEC filing analysis available with free account →
Recent News
No recent news
Factual CZFS Dilution Snapshot
Citizens Financial Services, Inc. (CZFS) has a DilutionScore of 24/100, rated Low dilution risk. Score date: August 28, 2026.
- Recent SEC activity tracked for CZFS: 8-K on 2026-04-22; 4 on 2026-03-19; 4 on 2026-03-06.
- Score coverage note: Cash Runway is marked not applicable or unavailable while debt exceeds cash in stored market data; do not read the overall score as a complete balance-sheet risk assessment.
This automatically generated snapshot is assembled from stored DilutionWatch data fields and may contain data-source errors or omissions. It is not financial advice, not investment research, and not a recommendation. Do your own research and review the full disclaimer and terms of service.
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Score Coverage Note
- Cash Runway is marked not applicable or unavailable while debt exceeds cash in stored market data; do not read the overall score as a complete balance-sheet risk assessment.