24 /100
LOW RISK
Score updated Jul 13, 2026

CZFS — Citizens Financial Services, Inc. Dilution Risk Tracker

Track CZFS dilution risk with DilutionWatch's stock tracker. DilutionScore™ measures dilution risk across 5 factors — lower scores indicate higher risk of share dilution.

⚠️ Not financial advice. Do your own research before making any investment decisions.

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As of July 13, 2026, Citizens Financial Services, Inc. (CZFS) has a DilutionWatch DilutionScore of 24/100, rated LOW dilution risk. Citizens Financial Services, Inc. has a market capitalization of $312.46M, 4.80M shares outstanding, 87 institutional holders tracked. Key dilution vectors include approximately 999 months of cash runway.

Source: DilutionWatch (dilutionwatch.com) — data updated daily from SEC EDGAR filings. Not financial advice.

📊 Score Breakdown

📋 Offering Ability
40
💰 Cash Runway
0
📊 Float Risk
12
⚠️ Warrant Exposure
40
🔄Convertible Debt

🌦️ Dilution Forecast

☀️
Clear
No significant dilution signals
0%
No significant dilution signals detected for CZFS.
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💹 Market Data

Market Cap$312.46M
Shares Outstanding4.80M
Float4.50M
Cash$33.10M
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 →

📉 Short Interest

Short Interest54.1K
Days to Cover2.9
% of Float1.2%
FINRA data as of Jun 30, 2026

📁 Recent SEC Activity

8-K 8K EVENT Apr 22, 2026
4 INSIDER TRANSACTION Mar 19, 2026
4 INSIDER TRANSACTION Mar 06, 2026
4 INSIDER TRANSACTION Mar 02, 2026
3 FORM3 Jan 27, 2026
Full SEC filing analysis available with free account

📰 Recent News

No recent news

📋 What This Means for CZFS Shareholders

Citizens Financial Services, Inc. (CZFS) has a DilutionScore of 24/100, rated Low dilution risk. At this score level, DilutionWatch's real-time EDGAR monitoring shows limited near-term dilution signals. This does not mean zero dilution risk — shelf registrations can be filed and activated quickly — but the current filing profile shows no major outstanding dilution programs. Score as of July 13, 2026.

DilutionWatch's EDGAR monitoring for CZFS shows no major active dilution programs at this time. The primary risk categories — shelf registration capacity, ATM programs, warrant overhang, and cash runway — are each within normal ranges for a company of this profile. This can change quickly if a new S-3 or Form S-1 is filed.

DilutionWatch tracks over 25 SEC filing types for CZFS in real-time, scanning EDGAR every 60 seconds. Recent 8-K filings are present; material events disclosures can sometimes precede or accompany capital raises. The DilutionWatch screener shows real-time score changes for CZFS alongside comparable low-risk stocks. Not financial advice — this analysis is for informational purposes only.

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