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
Industry (SIC)
SEC CIK
Corporate docs
IRS number
232265045
CZFS stock data
Latest filings (excl ownership)
8-K
Results of Operations and Financial Condition
25 Apr 24
8-K
Departure of Directors or Certain Officers
17 Apr 24
8-K
History of Successful Growth Total Asset Growth since 2000
16 Apr 24
DEFA14A
Additional proxy soliciting materials
7 Mar 24
DEF 14A
Definitive proxy
7 Mar 24
10-K
2023 FY
Annual report
7 Mar 24
8-K
Results of Operations and Financial Condition
30 Jan 24
8-K
Other Events
20 Dec 23
EFFECT
Notice of effectiveness
5 Dec 23
CORRESP
Correspondence with SEC
30 Nov 23
Latest ownership filings
Financial summary
Quarter (USD) | Sep 23 | Jun 23 | Mar 23 | Dec 22 | |
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Operating income | |||||
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Net income | |||||
Net profit margin | |||||
Cash on hand | |||||
Change in cash | |||||
Diluted EPS |
Annual (USD) | Dec 22 | Dec 21 | Dec 20 | Dec 19 | |
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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) | 3.15 mm | n/a | n/a | n/a | n/a | n/a |
Cash remaining | 40.19 mm | n/a | n/a | n/a | n/a | n/a |
Runway (months of cash) | 87.8 | 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 |
---|---|---|---|---|---|---|---|---|---|---|
18 Apr 24 | Kosa E Gene | COMMON CLASS | Gift | Acquire G | No | No | 0 | 100 | 0.00 | 6,579.548 |
20 Mar 24 | Kosa E Gene | COMMON CLASS | Grant | Acquire A | No | No | 0 | 98 | 0.00 | 6,479.548 |
20 Mar 24 | Landy R Joseph | COMMON CLASS | Grant | Acquire A | No | No | 0 | 98 | 0.00 | 24,609.483 |
20 Mar 24 | Chappell Robert W | COMMON CLASS | Grant | Acquire A | No | No | 0 | 98 | 0.00 | 11,098.194 |
20 Mar 24 | Graham Roger C JR | COMMON CLASS | Grant | Acquire A | No | No | 0 | 98 | 0.00 | 62,165.557 |