CZFS CITIZENS FINANCIAL SERVICES INC

NEUTRAL Impact: 2/10 Insider Cluster (2 insiders)
Horizon days Filed Jun 2, 2026 Processed 10d 18h ago
Insider cluster: 2 insiders, $4K total
Latest settled — T+1d
CZFS ▼ -2.72% at T+1d
NEUTRAL call ✗ call lost -2.72% · α vs SPY -2.02% · entry $64.40 → $62.65
Next anchor: T+5d due 4d ago
Currently $69.65 · +8.15% from $64.40 entry
Entry anchored
Jun 2, 10:20 AM ET
via Databento tick
T+1d
-2.72%
call -2.72% · α -2.02%
$62.65
settled 10d ago
T+5d
call — · α —
due 4d ago
T+20d
call — · α —
in 18d
T+60d
call — · α —
in 2mo

Price Chart

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Executive Summary

Two insiders at Citizens Financial Services (CZFS) traded within a week: an SVP purchased $2,100 worth of stock, and an EVP sold $2K worth. The total value of $4K represents ~0.001% of the $312M market cap, making this cluster economically trivial. Neither the buy nor the sell carries material signaling weight given the negligible dollar amounts relative to company size.

Key Financial Metrics

Direction
mixed
Total Value
$3.7K
Insiders
2

Actionable Insight

The cluster's dollar value is too small to move the stock or signal a material change in outlook. No trading action is warranted from this data alone. Monitor upcoming quarterly earnings for any operational changes at this community bank.

Key Facts

  • Cluster consists of 2 open-market trades totaling $4,100 total value.
  • Purchase: SVP Guillaume bought 34 shares at $61.78 for $2,100.
  • Sale: EVP Gephart sold 24 shares at $64.78 for $1,600.
  • Total cluster value is ~0.001% of CZFS's $312M market cap.
  • Recent insider activity over past 30 days shows $11K in buys and $2K in sells — this cluster is consistent with that low-activity pattern.

Financial Impact

Total insider trading value of $4,100 is immaterial relative to $312M market cap (0.001%).

insider holdingsownership concentration

Risk Factors

  • Insider trading activity is negligible — no actionable signal.
  • Historical performance on CZFS reports shows a 50% win rate with marginal average returns, reinforcing that small-scale insider moves here are not predictive.

Market Snapshot

Exchange
Nasdaq
Sector
State Commercial Banks
Analyst Consensus
86% bullish (7 analysts)

Documents Analyzed

This report is based on 1 SEC document filed with EDGAR.

DocumentAccession Number
CLUSTER Data (Synthetic)cluster-CZFS-1780410209444
5 reports for CZFS
Performance horizon

Track record builds as more directional reports settle.

Filters
Rows
Reports for CZFS — sortable, filterable
Type Now
Jun 2, 2026
10d ago
Insider Cluster
NEUTRAL ★ 2/10
$64.40 $62.65▼ −2.72%▼ −2.02%$69.65 (+8.15%)
Apr 22, 2026
7w ago
8-K
NEUTRAL ★ 4/10
$65.15 $65.96▲ +1.24%▲ +0.46%$69.65 (+6.91%)
Apr 21, 2026
7w ago
8-K
BULLISH ★ 6/10
$69.00 $68.98▼ −0.03%▼ −1.05%$69.65 (+0.94%)
Mar 12, 2026
13w ago
DEFA14A
NEUTRAL ★ 2/10
$59.26 $58.99▼ −0.46%▲ +0.14%$69.65 (+17.53%)
Feb 27, 2026
15w ago
Insider Cluster
NEUTRAL ★ 3/10
$59.56 $60.20▲ +1.08%▲ +1.03%$69.65 (+16.95%)
Showing 5 of 5

US Market Status

Market Closed — Opens Mon (52h 15m)

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