CZFS Citizens Financial Services (CZFS) Insider Trading, Ownership & Congress Trades
Banks · State commercial banks · CIK 0000739421
C-suite buying · 1
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter
What the filings say about CZFS
Insiders, 180 days
+$21.2K net bought
2 buyers · 1 seller · 0% of sales under a 10b5-1 plan
Citizens Financial Services insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, CITIZENS FINANCIAL SERVICES INC insiders bought a net $21.2K of stock across 67 Form 4 purchases and sales, with 2 insiders buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 9 earlier Form 4 trades (code P or S) here by this insider (9 buys), the last on May 29, 2026.
- +11.0% median (+11.4% mean) 90-day return after 9 previous buys.
- The trade is 0.5% of the 5,093 shares held after it.
- 1 other insider bought within 30 days.
Insider activity: SENIOR VICE PRESIDENT Guillaume Stephen J bought about $1.8K of CZFS on Aug 31, 2026; 1 other insider bought within 30 days.Context
- 6 earlier Form 4 trades (code P or S) here by this insider (6 buys), the last on May 12, 2026.
- -1.1% median (+2.7% mean) 90-day return after 6 previous buys.
- The trade is 4.1% of the 3,920 shares held after it.
- 1 other insider bought within 30 days.
Insider activity: Director Painter John P II bought about $12.9K of CZFS on Aug 5, 2026; 1 other insider bought within 30 days.Context
- 5 earlier Form 4 trades (code P or S) here by this insider (5 sales), the last on Jun 25, 2026.
- The trade is 1.6% of the 946 shares held after it.
- No other insider sold within 30 days.
Insider activity: EXECUTIVE VICE PRESIDENT Gephart LeeAnn sold about $1.1K of CZFS on Jul 9, 2026.Context
- 4 earlier Form 4 trades (code P or S) here by this insider (4 sales), the last on May 28, 2026.
- The trade is 3.6% of the 808 shares held after it.
- No other insider sold within 30 days.
Insider activity: EXECUTIVE VICE PRESIDENT Gephart LeeAnn sold about $1.9K of CZFS on Jun 25, 2026.Context
- 8 earlier Form 4 trades (code P or S) here by this insider (8 buys), the last on Feb 27, 2026.
- +8.3% median (+9.7% mean) 90-day return after 8 previous buys.
- The trade is 0.7% of the 4,718 shares held after it.
- 1 other insider bought within 30 days.
Insider activity: SENIOR VICE PRESIDENT Guillaume Stephen J bought about $2.1K of CZFS on May 29, 2026; 1 other insider bought within 30 days.67 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net +$21.2K over 180 days
+$14.7K over 90 days
more than 74% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
+2.8% year over year
below 69% of Banks
Margin
370.1% net margin
more than 71% of Banks
Buybacks
$305.0K repurchased, FY to 2026-06-30
below 88% of Banks
Short interest
1.6% of the float short (float per yahoo 2026-10-27) · 2.1 days to cover · settled 2026-10-15
below 64% of Banks
What changed in the last 30 days
Oct 28Insider selling stopped: no sales in 90 days after 3 in the prior 90
Why it matters
The absence is the signal: 3 sales in one 90-day window and none in the next is a change of behaviour, not a filing.
Watch CZFS
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+56.7%12M
Insider buyInsider sell
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns CZFS: institutional holders (13F)
13F holdings, latest reported quarter
SEC 13F
No reported 13F holders
No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.
Congress trades in CZFS
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
CZFS planned insider sales (Form 144)
No planned-sale notices
No insider has filed to sell. Watch this after a run-up.
Executive pay vs shareholder return · Randall E. Black
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$1.2M
$1.0M
$364.4K
+25%
+53%
2024
$1.4M
$1.3M
$399.1K
+33%
+43%
2023
$1.3M
$1.3M
$608.2K
+30%
+27%
2022
$1.4M
$1.3M
$469.5K
+48%
+27%
2021
$1.6M
$1.4M
$462.7K
+13%
+37%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders are net buyers of their own stock.
The record shows a net $21.2K bought by insiders over 180 days. Each figure is a federal filing, dated the day it went public.
CZFS financials
Revenue growth
+2.8%
XBRL, annual
Net margin
370.1%
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$9.9M
four quarters, 2025-07-01 to 2026-06-30
Revenue, TTM CZFS
| FY Dec 2025 | $9.9M |
| FY Dec 2024 | $9.6M |
| FY Dec 2023 | $9.0M |
| FY Dec 2022 | $8.6M |
| FY Dec 2021 | $7.7M |
| Jun 2026 | $2.4M |
| Mar 2026 | $2.3M |
| Dec 2025 | $2.3M |
| Sep 2025 | $2.8M |
| Jun 2025 | $2.4M |
| Mar 2025 | $2.4M |
| Dec 2024 | $2.3M |
| Sep 2024 | $2.5M |
At each fiscal year end
Single quarter
Net margin, TTM
+416.6%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM CZFS
| FY Dec 2025 | +370.2% |
| FY Dec 2024 | +289.4% |
| FY Dec 2023 | +198.5% |
| FY Dec 2022 | +338.4% |
| FY Dec 2021 | +376.3% |
| Jun 2026 | +417.0% |
| Mar 2026 | +444.0% |
| Dec 2025 | +455.2% |
| Sep 2025 | +361.1% |
| Jun 2025 | +357.5% |
| Mar 2025 | +312.5% |
| Dec 2024 | +347.4% |
| Sep 2024 | +300.2% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$36.9M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM CZFS
| FY Dec 2025 | $35.2M |
| FY Dec 2024 | $31.9M |
| FY Dec 2023 | $23.9M |
| FY Dec 2022 | $31.6M |
| FY Dec 2021 | $37.6M |
| Jun 2026 | -$376.0K |
| Mar 2026 | $17.9M |
| Dec 2025 | $16.7M |
| Sep 2025 | $2.7M |
| Jun 2025 | $5.5M |
| Mar 2025 | $10.4M |
| Dec 2024 | $10.0M |
| Sep 2024 | $5.6M |
At each fiscal year end
Single quarter
Debt to equity
n/a
no debt line filed
Debt to equity CZFS
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
n/a
no debt line filed
Cash flow to debt CZFS
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+12.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity CZFS
| FY Dec 2025 | +11.5% |
| FY Dec 2024 | +9.6% |
| FY Dec 2023 | +7.4% |
| FY Dec 2022 | +14.1% |
| FY Dec 2021 | +14.3% |
| Jun 2026 | +12.3% |
| Mar 2026 | +12.1% |
| Dec 2025 | +11.5% |
| Sep 2025 | +10.9% |
| Jun 2025 | +10.5% |
| Mar 2025 | +9.6% |
| Dec 2024 | +9.6% |
| Sep 2024 | +9.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets CZFS
| FY Dec 2025 | +1.2% |
| FY Dec 2024 | +0.9% |
| FY Dec 2023 | +0.7% |
| FY Dec 2022 | +1.3% |
| FY Dec 2021 | +1.4% |
| Jun 2026 | +1.3% |
| Mar 2026 | +1.3% |
| Dec 2025 | +1.2% |
| Sep 2025 | +1.1% |
| Jun 2025 | +1.1% |
| Mar 2025 | +1.0% |
| Dec 2024 | +0.9% |
| Sep 2024 | +0.9% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital CZFS
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed CZFS
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
9.89x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing CZFS
| FY Dec 2025 | 7.48x |
| FY Dec 2024 | 10.90x |
| FY Dec 2023 | 16.43x |
| FY Dec 2022 | 10.47x |
| FY Dec 2021 | 8.03x |
| Jun 2026 | 8.47x |
| Mar 2026 | 7.47x |
| Dec 2025 | 7.48x |
| Sep 2025 | 8.49x |
| Jun 2025 | 8.92x |
| Mar 2025 | 9.81x |
| Dec 2024 | 10.90x |
| Sep 2024 | 10.22x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
n/a
no debt line filed
Enterprise value CZFS
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+9.1%
TTM free cash flow over market value at close 2026-10-26
FCF yield CZFS
| FY Dec 2025 | +12.9% |
| FY Dec 2024 | +10.6% |
| FY Dec 2023 | +7.9% |
| FY Dec 2022 | +10.6% |
| FY Dec 2021 | +16.1% |
| Jun 2026 | +10.6% |
| Mar 2026 | +14.5% |
| Dec 2025 | +12.9% |
| Sep 2025 | +9.9% |
| Jun 2025 | +11.3% |
| Mar 2025 | +10.4% |
| Dec 2024 | +10.6% |
| Sep 2024 | +13.5% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.33x
P/E over trailing EPS growth of 30%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing CZFS
| FY Dec 2025 | 0.24x |
| FY Dec 2024 | 0.22x |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.60x |
| Jun 2026 | 0.28x |
| Mar 2026 | 0.19x |
| Dec 2025 | 0.24x |
| Sep 2025 | 0.36x |
| Jun 2025 | 0.64x |
| Mar 2025 | 0.16x |
| Dec 2024 | 0.22x |
| Sep 2024 | 0.27x |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $9.9M | $9.6M | $9.0M | $8.6M |
| Net income | $36.6M | $27.8M | $17.8M | $29.1M |
| EPS (diluted) | 7.62 | 5.79 | 3.98 | 7.17 |
| Operating cash flow | $36.5M | $33.2M | $26.5M | $33.2M |
| Cash | $34.3M | $42.2M | $52.8M | $26.2M |
| Buybacks | $358.0K | $202.0K | $265.0K | $1.3M |
| Dividends paid | $9.5M | $9.3M | $8.5M | $7.6M |
SEC XBRL, fiscal years, as known on 2026-10-28
CZFS Stock Sonar score 4/7 axes
Find similar shapesCompareCZFS ranks highest on profitability (73rd percentile) and insider conviction (73rd), and lowest on growth (31st), among Banks peers.
4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
CZFS filings, in plain words
Are Citizens Financial Services insiders buying or selling CZFS?
In the 180 days to 2026-10-28, Citizens Financial Services insiders were net buyers, a net $21.2K: $25.7K of purchases and $4.6K of sales reported on Form 4, by 2 buyers and 1 seller.
Read the full summary
In the 180 days to 2026-10-28, Citizens Financial Services insiders were net buyers of CZFS, a net $21.2K across purchases and sales reported on Form 4 by 2 buyers and 1 seller. 2 different insiders reported purchases within the last 90 days, a cluster buy, which is rarer than a single purchase. None of the 3 insider sales was flagged as made under a Rule 10b5-1 plan. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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