CZFS
Citizens Financial Services Inc. Common Stock
NASDAQ: CZFS · FINANCIAL SERVICES · BANKS - REGIONAL
$77.26
+0.49% today
Updated 2026-07-29
Market cap
$343.55M
P/E ratio
8.73
P/S ratio
3.03x
EPS (TTM)
$8.19
Dividend yield
2.74%
52W range
$48 – $75
Volume
0.0M
Citizens Financial Services Inc. Common Stock (CZFS) Insider transactions
Net insider activity
Net buying (7,953 shares)
Buy transactions
83
Sell transactions
17
All transactions
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 2026-07-09 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2026-07-09 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Sale | 15 | $71.52 | $1072.80 |
| 2026-06-25 | WILSON, JEFFREY L | EXECUTIVE VICE PRESIDENT | Buy | 49 | — | — |
| 2026-06-25 | WHITE, JEFFREY R | EXECUTIVE VICE PRESIDENT | Buy | 336 | — | — |
| 2026-06-25 | GUILLAUME, STEPHEN J | EXECUTIVE VICE PRESIDENT | Buy | 311 | — | — |
| 2026-06-25 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Buy | 153 | — | — |
| 2026-06-25 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Sale | 29 | $66.52 | $1929.08 |
| 2026-06-25 | BLACK, RANDALL E | Director, CEO & PRESIDENT | Buy | 563 | — | — |
| 2026-06-15 | PAINTER, JOHN P II | Director | Buy | 88 | — | — |
| 2026-06-15 | OSBORNE, TERRY B | Director | Buy | 88 | — | — |
| 2026-06-15 | LANDY, R JOSEPH | Director | Buy | 88 | — | — |
| 2026-06-15 | KUNES, CHRISTOPHER W | Director | Buy | 88 | — | — |
| 2026-06-15 | JONES, MICKEY L | Director | Buy | 88 | — | — |
| 2026-06-15 | HILFIGER, JANIE M | Director | Buy | 88 | — | — |
| 2026-06-15 | GRAHAM, ROGER C JR | Director | Buy | 88 | — | — |
| 2026-06-15 | FREEMAN, THOMAS E. | Director | Buy | 88 | — | — |
| 2026-06-15 | DEPAOLA, RINALDO A | Director | Buy | 88 | — | — |
| 2026-06-15 | BOWER, JOSEPH B JR | Director | Buy | 88 | — | — |
| 2026-06-15 | BEHM, JOHN D | Director | Buy | 29 | — | — |
| 2026-06-10 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2026-05-29 | GUILLAUME, STEPHEN J | SENIOR VICE PRESIDENT | Buy | 34 | $61.78 | $2100.52 |
| 2026-05-28 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Sale | 24 | $64.78 | $1554.72 |
| 2026-05-12 | PAINTER, JOHN P II | Director | Buy | 140 | $63.67 | $8913.80 |
| 2026-05-04 | LANDY, R JOSEPH | Director | Sale | 40 | — | — |
| 2026-04-30 | PAINTER, JOHN P II | Director | Buy | 99 | — | — |
| 2026-04-30 | OSBORNE, TERRY B | Director | Buy | 99 | — | — |
| 2026-04-30 | LANDY, R JOSEPH | Director | Buy | 99 | — | — |
| 2026-04-30 | KUNES, CHRISTOPHER W | Director | Buy | 99 | — | — |
| 2026-04-30 | JONES, MICKEY L | Director | Buy | 99 | — | — |
| 2026-04-30 | HILFIGER, JANIE M | Director | Buy | 99 | — | — |
| 2026-04-30 | GRAHAM, ROGER C JR | Director | Buy | 99 | — | — |
| 2026-04-30 | FREEMAN, THOMAS E. | Director | Buy | 99 | — | — |
| 2026-04-30 | DEPAOLA, RINALDO A | Director | Buy | 99 | — | — |
| 2026-04-30 | CHAPPELL, ROBERT W | Director | Buy | 99 | — | — |
| 2026-04-30 | BOWER, JOSEPH B JR | Director | Buy | 99 | — | — |
| 2026-03-19 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2026-03-06 | PAINTER, JOHN P II | Director | Buy | 675 | $61.00 | $41175.00 |
| 2026-02-27 | GUILLAUME, STEPHEN J | SENIOR VICE PRESIDENT | Buy | 13 | $57.06 | $741.78 |
| 2026-01-12 | LANDY, R JOSEPH | Director | Sale | 40 | — | — |
| 2025-12-22 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Buy | 172 | — | — |
| 2025-12-22 | BLACK, RANDALL E | Director, CEO & PRESIDENT | Buy | 1,552 | — | — |
| 2025-12-15 | PAINTER, JOHN P II | Director | Buy | 96 | — | — |
| 2025-12-15 | OSBORNE, TERRY B | Director | Buy | 96 | — | — |
| 2025-12-15 | LANDY, R JOSEPH | Director | Buy | 96 | — | — |
| 2025-12-15 | KUNES, CHRISTOPHER W | Director | Buy | 96 | — | — |
| 2025-12-15 | JONES, MICKEY L | Director | Buy | 96 | — | — |
| 2025-12-15 | HILFIGER, JANIE M | Director | Buy | 96 | — | — |
| 2025-12-15 | GRAHAM, ROGER C JR | Director | Buy | 96 | — | — |
| 2025-12-15 | FREEMAN, THOMAS E. | Director | Buy | 96 | — | — |
| 2025-12-15 | DEPAOLA, RINALDO A | Director | Buy | 96 | — | — |
| 2025-12-15 | CHAPPELL, ROBERT W | Director | Buy | 96 | — | — |
| 2025-12-05 | LANDY, R JOSEPH | Director | Sale | 266 | — | — |
| 2025-11-28 | GUILLAUME, STEPHEN J | SENIOR VICE PRESIDENT | Buy | 16 | $53.10 | $849.60 |
| 2025-11-04 | BLACK, RANDALL E | Director, CEO & PRESIDENT | Buy | 22 | $54.25 | $1193.50 |
| 2025-11-03 | BLACK, RANDALL E | Director, CEO & PRESIDENT | Buy | 278 | $54.00 | $15012.00 |
| 2025-11-03 | BLACK, RANDALL E | Director, CEO & PRESIDENT | Buy | 200 | $54.25 | $10850.00 |
| 2025-10-08 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2025-10-02 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2025-09-29 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2025-09-23 | JONES, MICKEY L | Director | Buy | 46 | — | — |
| 2025-09-15 | PAINTER, JOHN P II | Director | Buy | 94 | — | — |
| 2025-09-15 | OSBORNE, TERRY B | Director | Buy | 94 | — | — |
| 2025-09-15 | LANDY, R JOSEPH | Director | Buy | 94 | — | — |
| 2025-09-15 | KUNES, CHRISTOPHER W | Director | Buy | 94 | — | — |
| 2025-09-15 | JONES, MICKEY L | Director | Buy | 94 | — | — |
| 2025-09-15 | HILFIGER, JANIE M | Director | Buy | 94 | — | — |
| 2025-09-15 | GRAHAM, ROGER C JR | Director | Buy | 94 | — | — |
| 2025-09-15 | FREEMAN, THOMAS E. | Director | Buy | 94 | — | — |
| 2025-09-15 | DEPAOLA, RINALDO A | Director | Buy | 94 | — | — |
| 2025-09-15 | CHAPPELL, ROBERT W | Director | Buy | 94 | — | — |
| 2025-08-31 | GUILLAUME, STEPHEN J | SENIOR VICE PRESIDENT | Buy | 13 | $56.96 | $740.48 |
| 2025-08-22 | FREEMAN, THOMAS E. | Director | Sale | 3,000 | $60.00 | $180000.00 |
| 2025-08-04 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2025-07-08 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Sale | 14 | $59.64 | $834.96 |
| 2025-06-30 | LANDY, R JOSEPH | Director | Sale | 20 | — | — |
| 2025-06-27 | WILSON, JEFFREY L | EXECUTIVE VICE PRESIDENT | Buy | 79 | $60.42 | $4773.18 |
| 2025-06-27 | WHITE, JEFFREY R | EXECUTIVE VICE PRESIDENT | Buy | 16 | $60.42 | $966.72 |
| 2025-06-27 | SCHADLER, ALLETTA M | RETIRED DIRECTOR | Buy | 298 | $60.42 | $18005.16 |
| 2025-06-27 | RICHARDS, DAVID Z JR | Director, EXECUTIVE VICE PRESIDENT | Buy | 15 | $60.42 | $906.30 |
| 2025-06-27 | PAINTER, JOHN P II | Director | Buy | 24 | $60.42 | $1450.08 |
| 2025-06-27 | OSBORNE, TERRY B | Director | Buy | 126 | $60.42 | $7612.92 |
| 2025-06-27 | LANDY, R JOSEPH | Director | Buy | 270 | $60.42 | $16313.40 |
| 2025-06-27 | KUNES, CHRISTOPHER W | Director | Buy | 123 | $60.42 | $7431.66 |
| 2025-06-27 | KOSA, E GENE | RETIRED DIRECTOR | Buy | 69 | $60.42 | $4168.98 |
| 2025-06-27 | JONES, MICKEY L | Director | Buy | 134 | $60.42 | $8096.28 |
| 2025-06-27 | JONES, MICKEY L | Director | Buy | 8 | $60.42 | $483.36 |
| 2025-06-27 | HILFIGER, JANIE M | Director | Buy | 32 | $60.42 | $1933.44 |
| 2025-06-27 | GUILLAUME, STEPHEN J | EXECUTIVE VICE PRESIDENT | Buy | 45 | $60.42 | $2718.90 |
| 2025-06-27 | GRAHAM, ROGER C JR | Director | Buy | 661 | $60.42 | $39937.62 |
| 2025-06-27 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Buy | 6 | $60.42 | $362.52 |
| 2025-06-27 | FREEMAN, THOMAS E. | Director | Buy | 152 | $60.42 | $9183.84 |
| 2025-06-27 | DEPAOLA, RINALDO A | Director | Buy | 159 | $60.42 | $9606.78 |
| 2025-06-27 | DEPAOLA, RINALDO A | Director | Buy | 20 | $60.42 | $1208.40 |
| 2025-06-27 | CHAPPELL, ROBERT W | Director | Buy | 120 | $60.42 | $7250.40 |
| 2025-06-27 | BLACK, RANDALL E | Director, CEO & PRESIDENT | Buy | 429 | $60.42 | $25920.18 |
| 2025-06-27 | BLACK, RANDALL E | Director, CEO & PRESIDENT | Buy | 3 | $60.42 | $181.26 |
| 2025-06-27 | BEHM, JOHN D | Subsidiary Director | Buy | 130 | $60.42 | $7854.60 |
| 2025-06-24 | GEPHART, LEEANN | EXECUTIVE VICE PRESIDENT | Sale | 33 | $59.58 | $1966.14 |
| 2025-06-16 | PAINTER, JOHN P II | Director | Buy | 92 | — | — |
| 2025-06-16 | OSBORNE, TERRY B | Director | Buy | 92 | — | — |
Frequently asked questions
Are CZFS insiders buying or selling?
Over the transactions on record, CZFS insiders have been net buyers, with about $187357.70 in stock sold across 17 sales, against 31 open-market purchases.
Does insider selling at CZFS mean the stock will fall?
Not by itself. Most executive selling is pre-scheduled through 10b5-1 plans filed months in advance, and insiders sell for diversification, taxes, and liquidity far more often than out of any view on the price. Insider buying is the stronger signal, especially when several insiders buy around the same time, because there is usually only one reason to put personal cash into the stock.
Which CZFS insiders are selling the most?
Recent selling is concentrated in a few names. FREEMAN, THOMAS E. accounts for the largest share on record, with about $180000.00 sold. Selling by one or two individuals matters less than broad selling across the whole leadership team, which is the pattern worth watching.