Guillaume Stephen J

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.

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.

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.

SVP Guillaume buys 13 CZFS shares at $67.08; prior 2 CZFS trades both showed +32%+ 90-day returns.

Guillaume Stephen J, Senior Vice President of Citizens Financial Services, purchased 13 shares at $67.08 on 2024-11-29 in an open-market transaction, increasing his holdings from 3,994 to 4,007 shares. His prior two purchases at this same ticker (2024-04-30 and 2023-10-25) both delivered strong 90-day returns of +2.4% and +33.4%, and +28.5% and +32.9% respectively, demonstrating a consistent pattern of well-timed entry points at the same company. The stock has since gained +24.8% in the 30 days following this purchase and currently trades at $70.25, only 3.3% below its 52-week high, suggesting the market has moved in his favor. This purchase by a senior executive occurs in a company with reasonable fundamentals (P/E of 12.22, net income of $7,536,000.00 in the latest quarter, and +4.5% annual revenue growth), providing a baseline of operational stability against which to assess the insider's transaction timing.