CZFS CITIZENS FINANCIAL SERVICES INC Insider Trading

Director John P II Painter bought 675 CZFS shares at $61.00; stock now $61.50, down 9.0% from 52-week high of $67.60.

Director John P II Painter purchased 675 shares of CITIZENS FINANCIAL SERVICES INC at $61.00 on 2026-03-06, expanding his position by 24.7% to 3,412 shares total. The transaction occurred near the lower end of the stock's 52-week range ($52.42–$67.60), with the current price at $61.50 reflecting a 9.0% decline from the 52-week high. At the same ticker, his prior three purchases produced mixed results: the 2024-11-04 buy posted a +20.9% 30-day return and +7.0% 90-day return, while his 2025-05-06 and 2025-02-03 purchases delivered negative 90-day returns of -6.6% and -6.8% respectively, with only 1 of 3 prior buys at CZFS posting positive 90-day returns. The company trades at a P/E of 8.67 with recent quarterly net income of $10.0M on revenue of $2.8M and 7.1% annual revenue growth, reflecting modest but steady fundamentals.

SVP Guillaume Stephen J buys 13 shares of CZFS at $57.06; stock now $60.71 but down 4.0% in 30 days

Guillaume Stephen J, Senior Vice President of Citizens Financial Services, purchased 13 shares at $57.06, bringing his holdings to 4,655 shares (a +0.3% net increase). At the current price of $60.71, the transaction appears modestly profitable, but the 30-day price change of -4.0% and the -10.2% decline from the 52-week high of $67.60 indicate recent headwinds. His same-ticker purchase history shows 3 of 5 prior buys were well-timed at the 90-day horizon, with mixed results: the most recent CZFS buy on 2025-11-28 returned +9.4% in 30 days and +17.2% in 90 days, but an earlier buy on 2024-11-29 returned -5.5% and -11.3% respectively. The company's valuation metrics (P/E of 8.56, revenue growth of +7.1% annually) suggest a value-oriented profile, but the small share quantity and incremental holdings change limit the signal strength of this transaction.

SVP Guillaume Stephen J buys 16 CZFS shares at $53.10; stock down 23.3% from 52-week high, insider shows mixed timing on prior CZFS trades

Guillaume Stephen J, SVP of Citizens Financial Services, purchased 16 shares at $53.10, increasing his holdings by 16 shares (0.4% net change). This appears as a modest, routine open-market acquisition in a stock currently trading 23.3% below its 52-week high of $71.28. Examining his prior transaction history at CZFS, the insider has completed 5 prior buys: 3 of those 5 prior purchases were well-timed (positive 90-day returns followed), while 2 showed negative 90-day outcomes (buys on 2025-08-31 with -1.9% 90d return and 2024-11-29 with -11.3% 90d return). The company reports a low P/E of 7.71, recent revenue growth of +7.1%, and $10.0M net income on $2.8M quarterly revenue, but the stock has declined 8.7% over the past 90 days despite the insider's historical success rate of 60% well-timed outcomes at this ticker. The transaction's modest size ($849.60) and flat 30-day price change (-0.2%) suggest neither urgency nor significant conviction, warranting closer review of the macroeconomic or company-specific context driving the purchase.

CEO BLACK RANDALL E bought 22 shares of CZFS at $54.25 on 2025-11-04 (total $1.2K); stock -22.4% from 52-week high.

CEO BLACK RANDALL E purchased 22 shares of Citizens Financial Services Inc at $54.25, adding a negligible amount to his position. The transaction value of $1.2K and the net change of +0.0% versus pre-transaction holdings indicates this is a minimal open-market purchase. Against the backdrop of material weakness—the stock trading 22.4% below its 52-week high—the purchase comes at a point of depressed pricing relative to recent history. However, the CEO's cross-ticker track record reveals a consistent pattern of poor timing: 4 prior open-market buys average -8.0% return at 30 days and -11.9% at 90 days, with a 0.00% win rate. At the same ticker, his prior two completed trades (from February 2024) returned -8.7% and -7.3% respectively at 30 days, with 0.0 of 2 prior buys well-timed at the 90-day mark. The fundamental backdrop—P/E of 8.58, 7.1% annual revenue growth, and $8.5M net income—suggests an efficient valuation; the stock's decline appears to reflect broader market dynamics rather than a screaming bargain.

CEO Black buys 478 shares across 2 transactions at $54.10 avg, stock now $55.26; cross-ticker timing record 0% win rate.

CEO & President Randall E. Black purchased 478 shares in two separate transactions on 2025-11-03 at prices of $54.00 and $54.25, for a blended average of $54.10 and total outlay of $25,862.00. The stock currently trades at $55.26, modestly above the transaction prices, but remains -24.0% from its 52-week high of $72.67. Black's cross-ticker track record shows 3 prior buys with a 0.00% win rate at the 90-day mark, and his prior purchases at CZFS (on 2024-02-20 and 2024-02-21) both posted negative 90-day returns of -11.0% and -12.9% respectively. The company's fundamentals show modest strength (P/E of 8.41, annual revenue growth of +7.1%), but the insider's historical timing accuracy on similar open-market purchases provides limited evidence of forward-looking value identification.

SVP Guillaume Stephen J buys 13 CZFS shares at $56.96; stock +13.7% in 30 days, 4 of 5 prior buys well-timed at 90-day mark.

Guillaume Stephen J purchased 13 shares of CZFS at $56.96 on 2025-08-31, increasing his holdings from 4,510 to 4,523 shares—a marginal position change of 0.3%. The stock has appreciated 13.7% over the subsequent 30 days and is currently trading at $59.84. More notably, his prior trading history at this ticker shows a strong pattern of well-timed accumulation: 4 of 5 previous buys achieved positive 90-day returns (ranging from 1.2% to 33.4%), with the exception of a November 2024 purchase that declined 11.3% by the 90-day mark. His cross-ticker track record across all open-market activity demonstrates an 80% win rate at the 90-day horizon with an average return of 13.6%. The current price remains 17.7% below the 52-week high, and company fundamentals show modest growth with annual revenue expansion of 7.1%, a P/E of 9.11, and recent quarterly net income of $8,463,000. The modest share count and price action suggest this purchase falls within the insider's established pattern of accumulation, though the small size limits the signal strength.

EVP Guillaume Stephen J purchases 15 CZFS shares at $58.09; stock up 6.8% in 30 days, holding 4,452 shares post-trade.

Guillaume Stephen J, Executive Vice President of Citizens Financial Services Inc, purchased 15 shares at $58.09 on 2025-05-30, increasing holdings from 4,437 to 4,452 shares. The transaction represents a modest 0.3% increase in position size with a total value of $871.35. At his prior trade on 2025-02-28, the stock delivered a 30-day return of -1.0% but a 90-day return of +9.1%; of his four prior CZFS trades, three were well-timed at the 90-day mark, showing a pattern of favorable long-term outcomes at this ticker. The stock has appreciated 6.8% over the trailing 30 days and currently trades at $59.72, down 17.8% from its 52-week high of $72.67, with fundamentals showing a P/E of 10.00 and positive annual revenue growth of +7.1%. The small transaction size and modest holdings increase suggest this purchase does not reflect concentrated accumulation, but the insider's track record at this ticker warrants monitoring for subsequent price action at the 90-day horizon.

Director John P Painter II buys 215 CZFS shares at $57.40; modest accumulation adds 9.8% to holdings.

Director John P Painter II purchased 215 shares of Citizens Financial Services Inc at $57.40 on 2025-05-06, bringing his holdings from 2,186 to 2,401 shares—a 9.8% increase. The stock currently trades at $57.18, near the transaction price, and the company shows solid fundamentals with revenue of $2,510,000.00, net income of $7,536,000.00, and a P/E of 7.28. His prior two purchases at this ticker produced mixed results: the February 2025 buy declined 4.4% over 30 days and 6.8% over 90 days, while the November 2024 buy gained 20.9% over 30 days and 7.0% over 90 days—yielding a 50% success rate on the 90-day horizon. The current purchase represents a continuation of open-market buying activity at modest scale in a name the director has repeatedly accumulated, though the recent price action (-11.2% over 90 days) and mixed track record at this ticker suggest caution rather than conviction.

EVP Guillaume Stephen J purchases 13 CZFS shares at $57.45; modest addition to 4.1K position amid -17.5% quarterly decline

Guillaume Stephen J, Executive Vice President of Citizens Financial Services, purchased 13 shares at $57.45 on 2025-02-28, increasing his holdings from 4,064 to 4,077 shares. The transaction is modest in absolute scale ($746.85 total value, +0.3% of prior holdings), yet occurs within a context of material recent weakness: the stock is -20.9% from its 52-week high and -17.5% over the past 90 days. His same-ticker purchase history shows mixed timing: 2 of his 3 prior CZFS buys (in 2024-04-30 and 2023-10-25) delivered strong 90-day returns (+33.4% and +32.9% respectively), though his most recent buy on 2024-11-29 saw a -11.3% 90-day outcome. The company's fundamentals remain stable (P/E 9.99, $7.5M net income in the latest quarter), but the stock's recent downward momentum warrants attention to whether this purchase represents a reversal signal or a routine incremental addition amid an extended sell-off.

Director John P Painter II buys 110 CZFS shares at $60.00; stock down 12.4% in 90 days but insider's prior CZFS buy posted +7.0% 90d return.

Director John P Painter II purchased 110 shares of Citizens Financial Services Inc at $60.00 on 2025-02-03, increasing his holdings from 1,977 to 2,087 shares (+5.6%). The stock currently trades at $62.38, down 12.4% over 90 days and 14.2% from its 52-week high of $72.67. His prior purchase at this ticker on 2024-11-04 followed a positive 90-day return pattern of +7.0%, demonstrating a track record of timed purchases at CZFS. The company trades at a P/E of 10.85 with recent quarterly net income of $7.5M on $2.5M revenue, and his continued accumulation suggests selective conviction in the holding despite near-term weakness.