Citizens Financial Services, Inc. (CZFS) — Insider Activity & Signal

Financial Services · Banks - Regional · Market cap $343M · $71.45 · 52-week range $49.99–$74.70

Recent insider buying

Open-market purchases reported to the SEC (last six months). Option grants and tax-withholding sales are excluded.

Date	Insider	Role	Shares	Price	Value	Source
2026-05-29	Guillaume Stephen J	officer: SENIOR VICE PRESIDENT	34	$61.78	$2,101	SEC Form 4
2026-05-12	Painter John P II	director	140	$63.67	$8,914	SEC Form 4
2026-03-06	Painter John P II	director	675	$61.00	$41,175	SEC Form 4
2026-02-27	Guillaume Stephen J	officer: SENIOR VICE PRESIDENT	13	$57.06	$742	SEC Form 4

Financial health

Altman Z-Score -0.62 · Piotroski F-Score 8/9 · Cash $74M · Debt $309M

ClearOcean signal read

ClearOcean's model currently scores CZFS as a watchlist-level signal (5/10), based on the insider, fundamental and risk data above. This is a factual model output, not advice.

Sources & further reading

Primary filings: SEC EDGAR — CZFS Form 4
How ClearOcean reads insider activity

Last updated July 10, 2026.

ClearOcean is a software research tool, not an investment adviser or broker-dealer. This page aggregates public data (incl. SEC filings) for informational purposes only — it is not investment advice, nor a recommendation, offer or solicitation to buy or sell any security. Past activity does not predict future results. You are solely responsible for your decisions; investing can lose value, up to total loss of capital.