CZFS - NASDAQ
Citizens Financial Services, Inc.
$62.65
-2.7%Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
At a Glance
Live SnapshotCitizens Financial Services, Inc. Management Team
Mr. Jeffrey R. White
Chief Operating Officer
Ms. Gina Marie Boor
Corporate Secretary
Mr. Stephen J. Guillaume
Executive Vice President & Chief Financial Officer
Compensation
$174,225
Mr. Jeffrey L. Wilson
Executive Vice President & Chief Lending Officer of First Citizens Community Bank
Compensation
$276,690
Mr. Randall E. Black
President, Chief Executive Officer & Director
Compensation
$695,064
Mr. Anthony Manerchia
Senior Vice President & Chief Banking Officer
Mr. Jeffrey B. Carr
Senior Vice President & Chief Retail Banking Officer of First Citizens Community Bank
Compensation
$153,636
Marina Smalanaskas
Senior Vice President & Southcentral Market Executive
Ms. Cynthia T. Pazzaglia
Senior Vice President of Human Resources
Ms. Kathleen M. Campbell CFMP
Senior Vice President, CFMP & Director of Marketing of First Citizens National Bank
Compensation
$109,505
Citizens Financial Services, Inc. Insider Positioning
During the last 12 months, insiders have purchased $199K and sold $184K worth of CZFS shares, resulting in $15K of net buying activity.
3 Months
849
52.19K
24
1.55K
+51K
+$51K
3-6 Months
13
741.00
0
0.00
+741
+$741
6-9 Months
238
12.89K
0
0.00
+13K
+$13K
9-12 Months
2.2K
133.05K
3.0K
182.80K
-50K
-$50K
Top Buyers
Painter John P Ii
Director
$51K
Graham Roger C Jr
Director
$40K
Schadler Alletta M
Other: Retired Director
$18K
Landy R Joseph
Director
$16K
Black Randall E
Director, Officer: Ceo & President
$12K
Top Sellers
Freeman Thomas E.
Director
$180K
Gephart Leeann
Officer: Executive Vice President
$4K
Insider Activity Analysis
Net Insider Sentiment
Moderately bullish with $15K net buying. Insiders show cautious optimism through measured share purchases.
Buy/Sell Ratio
Positive buy/sell ratio. Buying exceeds or matches selling, indicating net positive insider sentiment.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider buyers vs. 2 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Broad-based insider buying: When multiple insiders independently decide to purchase shares, it often reflects genuine confidence rather than coordinated optics. This pattern deserves attention, especially if buying followed a price decline.
SEC Filings
CZFS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | March 12, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | March 06, 2025 | April 15, 2025 | 2025 | |
DEF 14A DEF 14A 2024 N/A | March 07, 2024 | April 16, 2024 | 2024 | |
DEF 14A DEF 14A 2023 N/A | March 09, 2023 | April 18, 2023 | 2023 | |
DEF 14A DEF 14A 2022 N/A | March 10, 2022 | April 19, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | March 11, 2021 | April 20, 2021 | 2021 | |
DEF 14A DEF 14A 2020 N/A | March 12, 2020 | April 21, 2020 | 2020 | |
DEF 14A DEF 14A 2019 N/A | March 07, 2019 | April 16, 2019 | 2019 | |
DEF 14A DEF 14A 2018 N/A | March 08, 2018 | April 17, 2018 | 2018 | |
DEF 14A DEF 14A 2017 N/A | March 09, 2017 | April 18, 2017 | 2017 |
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.