Lumida
/CZFS
⌘K
Citizens Financial Services Inc

Citizens Financial Services Inc

CZFS
$73.62USD↓-1.62%-1.21 today

MARKET CAP

353.7M

P/E (TTM)

9.0x

FWD P/E

9.0x

DAY RANGE

$71 – $75

52W RANGE

$50
$75

AI Summary

Stalk
StalkMedium

CZFS remains in a Stage 2 advancing regime with a primary momentum breakout signaling strong medium-term demand, yet price is now extended above rising EMAs with extreme overbought readings. Patience is warranted to await a pullback into the 9/21/50 EMA support zone before engaging. The long-term uptrend is intact, supported by a rising 200 DMA and positive relative strength. Key risks include near-term exhaustion at resistance and moderate transition risk from Stage 2 to Stage 3.

  • ↑FY25 EPS rose 19% YoY to $3.86 driven by net interest income growth
  • ↑Returned $259M in Q3 2025 and plans $700–850M buybacks in 2026
  • ↓Negative profitability metrics indicate margin conversion challenges
Full analysis →
Insider Trades27 trades
Date↓SideTicker↕Insider↕Role↕Shares↕Price↕Mkt Cap↕52W High↕52W Low↕Value↕% Chg↕Rule↕AI View↕
Jul 9, 2026SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT15$71.52$353.7M-1.84%+47.27%$1.1K-1.56%—Stalk
Jun 25, 2026SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT29$66.52$353.7M-1.84%+47.27%$1.9K-3.46%—Stalk
May 29, 2026BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT34$61.78$353.7M-1.84%+47.27%$2.1K+0.73%—Stalk
May 28, 2026SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT24$64.78$353.7M-1.84%+47.27%$1.6K-2.79%—Stalk
Feb 27, 2026BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT13$57.06$353.7M-1.84%+47.27%$741.78+0.28%—Stalk
Nov 28, 2025BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT16$53.10$353.7M-1.84%+47.27%$849.6+0.35%—Stalk
Nov 4, 2025BuyCZFSRandall E BlackCEO & PRESIDENT22$54.25$353.7M-1.84%+47.27%$1.2K+0.05%—Stalk
Nov 3, 2025BuyCZFSRandall E BlackCEO & PRESIDENT478$54.10$353.7M-1.84%+47.27%$25.9K+0.55%—Stalk
Aug 31, 2025BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT13$56.96$353.7M-1.84%+47.27%$740.48+0.29%—Stalk
Jul 8, 2025SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT14$59.64$353.7M-1.84%+47.27%$834.96-1.91%—Stalk
Jun 24, 2025SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT33$59.58$353.7M-1.84%+47.27%$2.0K-4.34%—Stalk
May 30, 2025BuyCZFSStephen J GuillaumeEXECUTIVE VICE PRESIDENT15$58.09$353.7M-1.84%+47.27%$871.35+0.34%—Stalk
Feb 28, 2025BuyCZFSStephen J GuillaumeEXECUTIVE VICE PRESIDENT13$57.45$353.7M-1.84%+47.27%$746.85+0.32%—Stalk
Feb 3, 2025SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT21$69.19$353.7M-1.84%+47.27%$1.5K-3.50%—Stalk
Nov 29, 2024BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT13$67.08$353.7M-1.84%+47.27%$872.034+0.33%—Stalk
Nov 20, 2024SellCZFSDavid Z Jr RichardsEXECUTIVE VICE PRESIDENT121$69.50$353.7M-1.84%+47.27%$8.4K-7.67%—Stalk
Aug 30, 2024SellCZFSDavid Z Jr RichardsSENIOR EVP500$54.87$353.7M-1.84%+47.27%$27.4K-24.21%—Stalk
Aug 19, 2024BuyCZFSJeffrey R WhiteEXECUTIVE VICE PRESIDENT1,517$49.43$353.7M-1.84%+47.27%$75.0K——Stalk
Jun 13, 2024BuyCZFSJeffrey L WilsonEXECUTIVE VICE PRESIDENT69$43.15$353.7M-1.84%+47.27%$3.0K+0.93%—Stalk
Apr 30, 2024BuyCZFSStephen J GuillaumeEXECUTIVE VICE PRESIDENT300$40.00$353.7M-1.84%+47.27%$12.0K+9.13%—Stalk
Feb 28, 2024BuyCZFSRandall E BlackCEO & PRESIDENT30$53.84$353.7M-1.84%+47.27%$1.6K+0.07%—Stalk
Feb 20, 2024BuyCZFSRandall E BlackCEO & PRESIDENT500$48.00$353.7M-1.84%+47.27%$24.0K+0.60%—Stalk
Oct 25, 2023BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT500$44.25$353.7M-1.84%+47.27%$22.1K+19.47%—Stalk
Sep 18, 2023SellCZFSDavid Z Jr RichardsEXECUTIVE VICE PRESIDENT1,500$50.78$353.7M-1.84%+47.27%$76.2K-55.76%—Stalk
Aug 22, 2023BuyCZFSRobert Joseph MarinoCHIEF REVENUE OFFICER1,421$52.38$353.7M-1.84%+47.27%$74.4K+3.35%—Stalk
Aug 21, 2023BuyCZFSRobert Joseph MarinoCHIEF REVENUE OFFICER359$52.75$353.7M-1.84%+47.27%$18.9K+0.85%—Stalk
Aug 18, 2023BuyCZFSRobert Joseph MarinoCHIEF REVENUE OFFICER641$52.25$353.7M-1.84%+47.27%$33.5K+1.55%—Stalk