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Citizens Financial Services Inc Stock: price and insider trades · United States
2 insiders bought €13k of shares over the last 90 days, the latest by Guillaume Stephen J, filed 01 Sept 2026.
Citizens Financial Services Inc: what insiders have been doing
Citizens Financial Services Inc is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). Between 20 October 2025 and 20 October 2026, 18 insiders published 71 filings.
Open-market activity splits into 9 purchases totalling €75k and 3 sales totalling €3,975; 3 insiders sit on the buying side and 1 insider on the selling side. On balance, insiders were net buyers of €71k. Buying on the open market means paying the going price with one's own funds, a different act from receiving shares as pay. Painter John P II filed the largest purchase, €35k, on 6 March 2026. Among those who bought: 2 senior executives and 1 chief executive.
In all, 3 purchases were made within 30 days of a purchase by another insider of the company. Such overlaps are known as a cluster signal: distinct people reaching the same decision at about the same time. The clock since the last published purchase (1 September 2026) now reads 50 days. Between a trade and the moment it shows up on SEC (Form 4), the median delay is 1 day. The legal deadline for a Form 4 is two business days after the transaction.
For context, the typical company on the same exchange (median of 5,453 companies) published 22 filings over the same period, against 71 filings here. Our records for Citizens Financial Services Inc go back to 2016, with 93 purchases and 28 sales on the open market in total. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists net income at 36.6 m USD; the dividend was 1.98 USD per share.
Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
795
Thresholds
n/a
Buy Volume
€2M
93 ops. · all time
Sell Volume
€876,599
28 ops. · all time
Who traded when
BuySaleStephen J. Guillaume8 buys
LeeAnn Gephart6 sales
John P. Painter II5 buys
Randall E. Black3 buys
DAVID Z. RICHARDS Jr.1 sale
Thomas E. Freeman1 sale
Since the insiders bought
- -1.9%Entry US$82.60 · Close 20 Oct 2026 US$80.99
- -1.6%Entry US$82.27 · Close 20 Oct 2026 US$80.99
- +22.3%Entry US$55.26 · Close at T+90 US$67.60
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Citizens Financial Services Inc Strong Buy (bullish), based on 1 analysts. Average price target: US$89.00.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 787 of 26,279 companies
82.0
score / 100
Value82
Quality82
FCF yld9.1%
Earn yld9.4%
EV/EBITDA·
ROE12%
Gross mgn·
Net mgn33%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$80.03
Analyst consensus
1 analystsStrong buy
US$89.00Target US$89.00(+11%)US$89.00
Income statement
RevenueUS$112.3M
Net incomeUS$36.6M35.8% margin
Valuation
PER (trailing)9.4x
PER (forward)9.1x
P/Book1.1x
Beta0.39
Balance sheet & cash
Market capUS$384.9M
Total debtUS$294M
Free Cash FlowUS$35.2M
Profitability & ownership
ROE12.3%
ROA1.3%
% insiders6.4%
% institutions31.5%
Last declaration on 22 September 2026
Declarations795 total
40 shares0COMMON CLASSSEC:0000739421-26-000087:0
70 shares0COMMON CLASSSEC:0000739421-26-000081:0
70 shares0COMMON CLASSSEC:0000739421-26-000082:0
70 shares0COMMON CLASSSEC:0000739421-26-000075:0
70 shares0COMMON CLASSSEC:0000739421-26-000076:0
70 shares0COMMON CLASSSEC:0000739421-26-000077:0
70 shares0COMMON CLASSSEC:0000739421-26-000078:0
70 shares0COMMON CLASSSEC:0000739421-26-000079:0
70 shares0COMMON CLASSSEC:0000739421-26-000080:0
70 shares0COMMON CLASSSEC:0000739421-26-000083:0
70 shares0COMMON CLASSSEC:0000739421-26-000084:0
70 shares0COMMON CLASSSEC:0000739421-26-000085:0
70 shares0COMMON CLASSSEC:0000739421-26-000086:0
20 shares0COMMON CLASSSEC:0000739421-26-000074:0
24 shares@ US$76.320.0005% mcap3.3% of flowCOMMON CLASSSEC:0000739421-26-000073:0
Canonical exit: 29 Nov 2026 (T+90)
160 shares@ US$80.520.0033% mcap12.2% of flowCOMMON CLASSSEC:0000739421-26-000072:0
Canonical exit: 3 Nov 2026 (T+90)
343 shares0COMMON CLASSSEC:0000739421-26-000068:0
20 shares0COMMON CLASSSEC:0000739421-26-000067:0
15 shares@ US$71.520.0003% mcap14.2% of flowCOMMON CLASSSEC:0000739421-26-000066:0
563 sharesCOMMON CLASSSEC:0000739421-26-000065:0
336 sharesCOMMON CLASSSEC:0000739421-26-000061:0
153 sharesCOMMON CLASSSEC:0000739421-26-000062:0
311 sharesCOMMON CLASSSEC:0000739421-26-000063:0
49 sharesCOMMON CLASSSEC:0000739421-26-000064:0
29 shares@ US$66.5220.4% of flowCOMMON CLASSSEC:0000739421-26-000060:0
25 of 795 declarations
About Citizens Financial Services Inc
Citizens Financial Services Inc. (ticker: CZFS) is a U.S.-listed banking holding company traded on NASDAQ in the United States. For French, Belgian and Swiss investors, it is best understood as a small-cap regional bank with a relatively defensive profile, but also with lower market visibility and typically less liquidity than large national banking names. The company is incorporated in Pennsylvania and is headquartered in Mansfield, Pennsylvania. It was established in 1984 as the holding company for First Citizens Community Bank, while the bank’s roots go back to 1872. ([sec.gov](https://www.sec.gov/Archives/edgar/data/739421/000114036125007274/ef20038946_10k.htm?utm_source=openai))
CZFS operates primarily through First Citizens Community Bank and First Citizens Insurance Agency. Its business model combines community banking with complementary financial services. Investor materials show a broad set of activities: retail banking, commercial and agricultural banking, C&I lending, SBA and USDA lending, treasury management, cards and payments, business banking, residential mortgage lending, personal lending, indirect auto lending, and secured and unsecured consumer loans. The group also offers wealth-related capabilities such as trust services, brokerage and advisory services, and retail plan administration/custody services, alongside personal, business and life insurance. In other words, the franchise is diversified, but still firmly anchored in community banking. ([sec.gov](https://www.sec.gov/Archives/edgar/data/739421/000073942125000009/invenstordeck.htm?utm_source=openai))
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From a competitive standpoint, CZFS is a local relationship-driven lender rather than a national platform bank. Its positioning relies on customer intimacy, local underwriting knowledge, and a multi-product offering for households, farmers, small businesses, and selected middle-market borrowers. As of the company’s 2025 investor materials, it operated about 44 branches and 29 ATMs, which highlights a geographically concentrated footprint rather than a broad multi-state national network. That concentration can support customer retention and service quality, but it also means earnings are more exposed to the economic conditions of Pennsylvania and surrounding local markets, as well as to competition from other community and regional banks. ([sec.gov](https://www.sec.gov/Archives/edgar/data/739421/000073942125000009/invenstordeck.htm?utm_source=openai))
Recent notable items are mainly financial reporting updates and SEC Form 4 insider-transaction filings, which indicate ongoing monitoring of director and executive share ownership changes. The latest available company materials also referenced a balance-sheet scale of roughly $3.0 billion in assets, with gross loans and deposits in the low-$2 billion range depending on the reporting date; these should be treated as approximate historical figures rather than fixed current values. Overall, CZFS combines a long-standing Pennsylvania banking franchise, a diversified local product set, and a NASDAQ listing in the United States. The investment case is more about stable regional banking execution and relationship banking economics than about high-growth disruption. ([sec.gov](https://www.sec.gov/Archives/edgar/data/739421/000073942125000009/invenstordeck.htm?utm_source=openai))
