Citizens Financial Services (CZFS) Latest Stock Analysis Report – Oct 15, 2026, 4:00 PM ET
Updated Oct 15, 2026, 4:00 PM ET
- Closed at $79.12, +1.07% vs the prior close of $78.28.
- Volume 20.80K shares, 0.5x its 50-day average (light).
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
CZFS rises 1.1% to $79.12. Closed at $79.12, +1.07% vs the prior close of $78.28. Day range $78.29–$79.71, opened at $78.75.
CZFS daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 15, 2026 — CZFS rises 1.1% to $79.12
- Closed at $79.12, +1.07% vs the prior close of $78.28. Day range $78.29–$79.71, opened at $78.75.
- Volume was 20.80K shares, 0.5x its 50-day average of 38.42K — lighter than usual.
- Price is -2.2% vs its 50-day average ($80.86) and +14.0% vs its 200-day average ($69.37).
- 52-week range $52.35–$84.65; today's close sits at 83% of that range, 6.5% below the 52-week high.
Oct 14, 2026 — CZFS dips 0.7% to $78.28
- Closed at $78.28, -0.71% vs the prior close of $78.84. Day range $77.90–$79.10, opened at $77.90.
- Volume was 41.90K shares, 1.1x its 50-day average of 38.61K.
- Price is -3.3% vs its 50-day average ($80.92) and +13.0% vs its 200-day average ($69.27).
- 52-week range $52.35–$84.65; today's close sits at 80% of that range, 7.5% below the 52-week high.
Oct 13, 2026 — CZFS ends flat (-0.1%) to $78.84
- Closed at $78.84, -0.08% vs the prior close of $78.90. Day range $78.50–$79.92, opened at $79.62.
- Volume was 21.20K shares, 0.5x its 50-day average of 38.56K — lighter than usual.
- Price is -2.7% vs its 50-day average ($81.01) and +14.0% vs its 200-day average ($69.17).
- 52-week range $52.35–$84.65; today's close sits at 82% of that range, 6.9% below the 52-week high.
Oct 12, 2026 — CZFS rises 1.1% to $78.90
- Closed at $78.90, +1.09% vs the prior close of $78.05. Day range $77.45–$79.24, opened at $77.45.
- Volume was 25.70K shares, 0.7x its 50-day average of 38.62K.
- Price is -2.5% vs its 50-day average ($80.96) and +14.2% vs its 200-day average ($69.07).
- 52-week range $52.35–$84.65; today's close sits at 82% of that range, 6.8% below the 52-week high.
Oct 9, 2026 — CZFS dips 1.8% to $78.05, a 1-month low
- Closed at $78.05, -1.77% vs the prior close of $79.46. Day range $77.87–$79.46, opened at $79.46.
- Volume was 23.10K shares, 0.6x its 50-day average of 38.81K — lighter than usual.
- Price is -3.6% vs its 50-day average ($80.93) and +13.2% vs its 200-day average ($68.97).
- 52-week range $52.35–$84.65; today's close sits at 80% of that range, 7.8% below the 52-week high.
Oct 8, 2026 — CZFS rises 0.7% to $79.46
- Closed at $79.46, +0.66% vs the prior close of $78.94. Day range $78.35–$80.48, opened at $78.35.
- Volume was 17.20K shares, 0.4x its 50-day average of 38.88K — lighter than usual.
- Price is -1.8% vs its 50-day average ($80.90) and +15.4% vs its 200-day average ($68.87).
- 52-week range $52.35–$84.65; today's close sits at 84% of that range, 6.1% below the 52-week high.
Oct 7, 2026 — CZFS dips 0.9% to $78.94
- Closed at $78.94, -0.89% vs the prior close of $79.65. Day range $78.78–$79.93, opened at $79.93.
- Volume was 22.50K shares, 0.6x its 50-day average of 39.13K — lighter than usual.
- Price is -2.4% vs its 50-day average ($80.86) and +14.8% vs its 200-day average ($68.77).
- 52-week range $52.35–$84.65; today's close sits at 82% of that range, 6.7% below the 52-week high.
Oct 6, 2026 — CZFS ends flat (+0.2%) to $79.65 on 1.9x normal volume
- Closed at $79.65, +0.16% vs the prior close of $79.52. Day range $78.89–$81.00, opened at $79.74.
- Volume was 72.00K shares, 1.9x its 50-day average of 38.35K — unusually heavy trading.
- Price is -1.4% vs its 50-day average ($80.81) and +16.0% vs its 200-day average ($68.68).
- 52-week range $52.35–$84.65; today's close sits at 85% of that range, 5.9% below the 52-week high.
Oct 5, 2026 — CZFS dips 1.7% to $79.52
- Closed at $79.52, -1.71% vs the prior close of $80.90. Day range $79.52–$80.99, opened at $80.11.
- Volume was 27.60K shares, 0.7x its 50-day average of 38.12K.
- Price is -1.5% vs its 50-day average ($80.74) and +15.9% vs its 200-day average ($68.59).
- 52-week range $52.35–$84.65; today's close sits at 84% of that range, 6.1% below the 52-week high.
Oct 2, 2026 — CZFS rises 2.2% to $80.90
- Closed at $80.90, +2.22% vs the prior close of $79.14. Day range $79.06–$80.97, opened at $79.87.
- Volume was 45.50K shares, 1.2x its 50-day average of 37.48K.
- Price is +0.3% vs its 50-day average ($80.65) and +18.1% vs its 200-day average ($68.50).
- 52-week range $52.35–$84.65; today's close sits at 88% of that range, 4.4% below the 52-week high.
CZFS latest news & SEC filings
Every SEC filing by or about CZFS in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Sep 22, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Landy R Joseph gifted 40 shares on Sep 22, 2026; now holds 28,051
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 15, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Sep 15, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Sep 15, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Sep 15, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Sep 15, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Aug 6, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Revenue: $2.44M (prior year $2.37M) (+3.2% vs Jun 30, 2025)
- Net income: $10.19M (prior year $8.46M) (+20.4% vs Jun 30, 2025)
- Diluted EPS: $2.12 (prior year $1.76) (+20.5% vs Jun 30, 2025)
Jul 30, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jul 27, 2026 · Form SCHEDULE 13G/A — Update to a passive 5%+ stake (13G)
Update to a passive 5%+ stake (13G)
Filed by an outside investor (not the company). It reports a holding of more than 5% of a share class; percentage and holder name are in the filing.
Jun 22, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 5.02 — Change in directors or officers (appointment, departure or pay).
Things to know before you trade CZFS
- Last results release: Jul 30, 2026 (8-K Item 2.02). Previous ones: Apr 29, 2026, Jan 29, 2026, Oct 30, 2025. Based on that rhythm, the next report is likely around Oct 29, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 1.08% (largest 2.8%).
- Liquidity: about 34.92K shares (≈$2.76M) trade per day on average.
- 52-week position: $79.12 vs a range of $52.35–$84.65 (83% of the range).
- Dividends: last ex-dividend date Sep 11, 2026 ($0.51/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 10 open-market buys, 3 sales; latest: Stephen J Guillaume bought 24 shares on Aug 31, 2026.
- Latest filings: 10-Q Aug 6, 2026; 8-K Jul 30, 2026; 8-K Jun 22, 2026.
- Share count: 4.81M shares outstanding (Jul 29, 2026), +0.1% vs a year earlier.
- Listing: Nasdaq · industry: State Commercial Banks.
CZFS market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 15, 2026 | 78.75 | 79.71 | 78.29 | 79.12 | 20.80K |
| Oct 14, 2026 | 77.90 | 79.10 | 77.90 | 78.28 | 41.90K |
| Oct 13, 2026 | 79.62 | 79.92 | 78.50 | 78.84 | 21.20K |
| Oct 12, 2026 | 77.45 | 79.24 | 77.45 | 78.90 | 25.70K |
| Oct 9, 2026 | 79.46 | 79.46 | 77.87 | 78.05 | 23.10K |
| Oct 8, 2026 | 78.35 | 80.48 | 78.35 | 79.46 | 17.20K |
| Oct 7, 2026 | 79.93 | 79.93 | 78.78 | 78.94 | 22.50K |
| Oct 6, 2026 | 79.74 | 81.00 | 78.89 | 79.65 | 72.00K |
| Oct 5, 2026 | 80.11 | 80.99 | 79.52 | 79.52 | 27.60K |
| Oct 2, 2026 | 79.87 | 80.97 | 79.06 | 80.90 | 45.50K |
| Oct 1, 2026 | 78.61 | 79.19 | 77.10 | 79.14 | 34.20K |
| Sep 30, 2026 | 79.94 | 80.11 | 78.20 | 78.61 | 33.40K |
| Sep 29, 2026 | 80.95 | 81.47 | 78.95 | 80.06 | 55.10K |
| Sep 28, 2026 | 80.33 | 81.92 | 79.40 | 80.44 | 51.80K |
| Sep 25, 2026 | 79.33 | 80.32 | 78.30 | 79.85 | 34.10K |
| Sep 24, 2026 | 78.52 | 79.99 | 78.52 | 79.33 | 16.40K |
| Sep 23, 2026 | 80.31 | 80.39 | 77.88 | 78.28 | 39.50K |
| Sep 22, 2026 | 80.69 | 81.81 | 80.08 | 80.53 | 28.90K |
| Sep 21, 2026 | 80.35 | 81.50 | 80.01 | 80.01 | 21.70K |
| Sep 18, 2026 | 80.66 | 81.95 | 80.01 | 81.35 | 65.90K |
About Citizens Financial Services
Citizens Financial Services (CZFS) is listed on the Nasdaq and classified by the SEC under “State Commercial Banks”. Its business address is in MANSFIELD, PA. State of incorporation: PA. Fiscal year ends December 31. SEC CIK 739421.
CZFS board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Randall E Black | CEO & PRESIDENT | Jun 26, 2026 |
| Joseph B Jr Bower | Director | Sep 15, 2026 |
| John D Behm | Director | Sep 15, 2026 |
| Robert W Chappell | Director | Sep 15, 2026 |
| Rinaldo A Depaola | Director | Sep 15, 2026 |
| Thomas E. Freeman | Director | Sep 15, 2026 |
| Roger C Jr Graham | Director | Sep 15, 2026 |
| Janie M Hilfiger | Director | Sep 15, 2026 |
| Mickey L Jones | Director | Sep 15, 2026 |
| Christopher W Kunes | Director | Sep 15, 2026 |
| R Joseph Landy | Director | Sep 22, 2026 |
| Terry B Osborne | Director | Sep 15, 2026 |
| John P Ii Painter | Director | Sep 15, 2026 |
| David Z Jr Richards | EXECUTIVE VICE PRESIDENT | Jul 23, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Randall E Black | CEO & PRESIDENT | Jun 26, 2026 |
| Leeann Gephart | EXECUTIVE VICE PRESIDENT | Jul 9, 2026 |
| Stephen J Guillaume | SENIOR VICE PRESIDENT | Sep 1, 2026 |
| David Z Jr Richards | EXECUTIVE VICE PRESIDENT | Jul 23, 2026 |
| Jeffrey L Wilson | EXECUTIVE VICE PRESIDENT | Jun 26, 2026 |
| Jeffrey R White | EXECUTIVE VICE PRESIDENT | Jun 26, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 31, 2026 | Stephen J Guillaume | Buy | 24 | $76.32 |
| Aug 5, 2026 | John P Ii Painter | Buy | 160 | $80.52 |
| Jul 9, 2026 | Leeann Gephart | Sale | 15 | $71.52 |
| Jun 25, 2026 | Leeann Gephart | Sale | 29 | $66.52 |
| May 29, 2026 | Stephen J Guillaume | Buy | 34 | $61.78 |
| May 28, 2026 | Leeann Gephart | Sale | 24 | $64.78 |
| May 12, 2026 | John P Ii Painter | Buy | 140 | $63.67 |
| Mar 6, 2026 | John P Ii Painter | Buy | 675 | $61.00 |
| Feb 27, 2026 | Stephen J Guillaume | Buy | 13 | $57.06 |
| Nov 28, 2025 | Stephen J Guillaume | Buy | 16 | $53.10 |
| Nov 4, 2025 | Randall E Black | Buy | 22 | $54.25 |
| Nov 3, 2025 | Randall E Black | Buy | 278 | $54.00 |
| Nov 3, 2025 | Randall E Black | Buy | 200 | $54.25 |
CZFS financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | $9.88M | $36.57M | 7.62 | $36.53M |
| Dec 31, 2024 | $9.61M | $27.82M | 5.79 | $33.18M |
| Dec 31, 2023 | $8.97M | $17.81M | 3.98 | $26.54M |
| Dec 31, 2022 | $8.59M | $29.06M | 7.17 | $33.24M |
| Dec 31, 2021 | $7.74M | $29.12M | 7.24 | $38.69M |
Latest balance sheet: total assets $3.19B, total liabilities $2.84B, cash $39.43M (as of Jun 30, 2026).
CZFS earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 30, 2026 | 8-K Item 2.02 (results) | $76.38 |
| Apr 29, 2026 | 8-K Item 2.02 (results) | $64.95 |
| Jan 29, 2026 | 8-K Item 2.02 (results) | $61.83 |
| Oct 30, 2025 | 8-K Item 2.02 (results) | $54.25 |
| Jul 30, 2025 | 8-K Item 2.02 (results) | $53.50 |
| Apr 30, 2025 | 8-K Item 2.02 (results) | $54.43 |
| Jan 30, 2025 | 8-K Item 2.02 (results) | $62.67 |
| Oct 30, 2024 | 8-K Item 2.02 (results) | $60.25 |
| Jul 30, 2024 | 8-K Item 2.02 (results) | — |
| Apr 25, 2024 | 8-K Item 2.02 (results) | — |
| Jan 30, 2024 | 8-K Item 2.02 (results) | — |
| Oct 23, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 15, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.