Stocks · Financials · State Commercial Banks

CITIZENS FINANCIAL SERVICES INC

CZFS Clue Score59
United States Fiscal year ends December CIK 0000739421
$78.05 -1.77% Close, 9 Oct 2026

Price, with every insider trade on it

Closing prices, 12 months · point at a dot for who traded, or at the line for the close
78.05 on 9 Oct 2026
84 68 53 Oct 2025 Apr 2026 Oct 2026 13 Oct 2025 $54.35 14 Oct 2025 $56.12 15 Oct 2025 $54.77 16 Oct 2025 $53.18 17 Oct 2025 $54.86 20 Oct 2025 $55.48 21 Oct 2025 $56.65 22 Oct 2025 $56.94 23 Oct 2025 $55.31 24 Oct 2025 $55.60 27 Oct 2025 $55.35 28 Oct 2025 $54.29 29 Oct 2025 $53.60 30 Oct 2025 $54.25 31 Oct 2025 $54.79 3 Nov 2025 $54.25 4 Nov 2025 $55.26 5 Nov 2025 $56.39 6 Nov 2025 $55.26 7 Nov 2025 $58.53 10 Nov 2025 $57.27 11 Nov 2025 $57.62 12 Nov 2025 $56.10 13 Nov 2025 $57.01 14 Nov 2025 $56.17 17 Nov 2025 $53.79 18 Nov 2025 $54.96 19 Nov 2025 $54.48 20 Nov 2025 $54.80 21 Nov 2025 $57.20 24 Nov 2025 $56.33 25 Nov 2025 $57.25 26 Nov 2025 $56.07 28 Nov 2025 $55.89 1 Dec 2025 $54.66 2 Dec 2025 $54.21 3 Dec 2025 $56.36 4 Dec 2025 $57.12 5 Dec 2025 $56.75 8 Dec 2025 $58.60 9 Dec 2025 $61.03 10 Dec 2025 $61.60 11 Dec 2025 $62.45 12 Dec 2025 $61.20 15 Dec 2025 $61.43 16 Dec 2025 $61.47 17 Dec 2025 $62.09 18 Dec 2025 $60.98 19 Dec 2025 $58.89 22 Dec 2025 $58.77 23 Dec 2025 $58.72 24 Dec 2025 $58.66 26 Dec 2025 $58.10 29 Dec 2025 $57.96 30 Dec 2025 $56.30 31 Dec 2025 $57.02 2 Jan 2026 $55.65 5 Jan 2026 $57.66 6 Jan 2026 $57.08 7 Jan 2026 $57.65 8 Jan 2026 $59.04 9 Jan 2026 $59.93 12 Jan 2026 $60.32 13 Jan 2026 $60.18 14 Jan 2026 $61.19 15 Jan 2026 $62.75 16 Jan 2026 $64.40 20 Jan 2026 $63.50 21 Jan 2026 $67.25 22 Jan 2026 $66.64 23 Jan 2026 $65.54 26 Jan 2026 $64.70 27 Jan 2026 $61.81 28 Jan 2026 $61.15 29 Jan 2026 $61.83 30 Jan 2026 $63.25 2 Feb 2026 $65.36 3 Feb 2026 $66.65 4 Feb 2026 $67.60 5 Feb 2026 $66.79 6 Feb 2026 $65.72 9 Feb 2026 $65.37 10 Feb 2026 $64.75 11 Feb 2026 $62.70 12 Feb 2026 $63.07 13 Feb 2026 $63.92 17 Feb 2026 $64.15 18 Feb 2026 $62.95 19 Feb 2026 $62.58 20 Feb 2026 $62.97 23 Feb 2026 $59.99 24 Feb 2026 $60.44 25 Feb 2026 $62.13 26 Feb 2026 $62.21 27 Feb 2026 $60.06 2 Mar 2026 $60.71 3 Mar 2026 $61.30 4 Mar 2026 $63.22 5 Mar 2026 $60.66 6 Mar 2026 $61.50 9 Mar 2026 $61.20 10 Mar 2026 $60.81 11 Mar 2026 $60.05 12 Mar 2026 $59.76 13 Mar 2026 $58.99 16 Mar 2026 $59.24 17 Mar 2026 $59.24 18 Mar 2026 $57.89 19 Mar 2026 $59.98 20 Mar 2026 $60.02 23 Mar 2026 $61.79 24 Mar 2026 $60.66 25 Mar 2026 $58.81 26 Mar 2026 $60.19 27 Mar 2026 $60.31 30 Mar 2026 $61.03 31 Mar 2026 $61.15 1 Apr 2026 $62.15 2 Apr 2026 $63.41 6 Apr 2026 $64.01 7 Apr 2026 $66.10 8 Apr 2026 $67.11 9 Apr 2026 $68.99 10 Apr 2026 $66.78 13 Apr 2026 $68.08 14 Apr 2026 $66.15 15 Apr 2026 $66.10 16 Apr 2026 $64.80 17 Apr 2026 $68.35 20 Apr 2026 $69.02 21 Apr 2026 $69.00 22 Apr 2026 $68.98 23 Apr 2026 $65.15 24 Apr 2026 $65.96 27 Apr 2026 $65.40 28 Apr 2026 $67.21 29 Apr 2026 $64.95 30 Apr 2026 $63.16 1 May 2026 $61.32 4 May 2026 $60.45 5 May 2026 $63.09 6 May 2026 $63.90 7 May 2026 $65.89 8 May 2026 $63.80 11 May 2026 $63.17 12 May 2026 $63.13 13 May 2026 $62.96 14 May 2026 $62.57 15 May 2026 $63.11 18 May 2026 $64.04 19 May 2026 $64.29 20 May 2026 $64.91 21 May 2026 $64.78 22 May 2026 $63.60 26 May 2026 $64.86 27 May 2026 $65.80 28 May 2026 $66.10 29 May 2026 $65.03 1 Jun 2026 $65.03 2 Jun 2026 $64.40 3 Jun 2026 $62.65 4 Jun 2026 $64.19 5 Jun 2026 $65.37 8 Jun 2026 $65.44 9 Jun 2026 $67.51 10 Jun 2026 $67.90 11 Jun 2026 $67.72 12 Jun 2026 $69.65 15 Jun 2026 $66.52 16 Jun 2026 $65.78 17 Jun 2026 $66.45 18 Jun 2026 $67.96 22 Jun 2026 $67.44 23 Jun 2026 $69.51 24 Jun 2026 $71.00 25 Jun 2026 $70.99 26 Jun 2026 $73.82 29 Jun 2026 $71.52 30 Jun 2026 $72.44 1 Jul 2026 $74.13 2 Jul 2026 $72.21 6 Jul 2026 $72.49 7 Jul 2026 $72.82 8 Jul 2026 $70.12 9 Jul 2026 $71.45 10 Jul 2026 $70.38 13 Jul 2026 $71.30 14 Jul 2026 $71.32 15 Jul 2026 $73.21 16 Jul 2026 $74.83 17 Jul 2026 $73.62 20 Jul 2026 $71.58 21 Jul 2026 $74.29 22 Jul 2026 $72.68 23 Jul 2026 $71.50 24 Jul 2026 $74.88 27 Jul 2026 $75.97 28 Jul 2026 $76.88 29 Jul 2026 $77.26 30 Jul 2026 $76.38 31 Jul 2026 $77.52 3 Aug 2026 $76.53 4 Aug 2026 $82.63 5 Aug 2026 $82.03 6 Aug 2026 $82.27 7 Aug 2026 $80.40 10 Aug 2026 $81.09 11 Aug 2026 $82.29 12 Aug 2026 $82.95 13 Aug 2026 $81.71 14 Aug 2026 $82.54 17 Aug 2026 $81.89 18 Aug 2026 $83.67 19 Aug 2026 $80.40 20 Aug 2026 $80.43 21 Aug 2026 $81.70 24 Aug 2026 $80.93 25 Aug 2026 $80.72 26 Aug 2026 $80.68 27 Aug 2026 $81.15 28 Aug 2026 $80.98 31 Aug 2026 $80.34 1 Sep 2026 $79.90 2 Sep 2026 $82.60 3 Sep 2026 $83.59 4 Sep 2026 $82.92 8 Sep 2026 $82.26 9 Sep 2026 $82.55 10 Sep 2026 $83.12 11 Sep 2026 $82.21 14 Sep 2026 $82.47 15 Sep 2026 $83.09 16 Sep 2026 $81.33 17 Sep 2026 $81.64 18 Sep 2026 $81.35 21 Sep 2026 $80.01 22 Sep 2026 $80.53 23 Sep 2026 $78.28 24 Sep 2026 $79.33 25 Sep 2026 $79.85 28 Sep 2026 $80.44 29 Sep 2026 $80.06 30 Sep 2026 $78.61 1 Oct 2026 $79.14 2 Oct 2026 $80.90 5 Oct 2026 $79.52 6 Oct 2026 $79.65 7 Oct 2026 $78.94 8 Oct 2026 $79.46 9 Oct 2026 $78.05 BLACK RANDALL E CEO & PRESIDENT Bought $25.86K 3 Nov 2025 · at $54.10 · 1.1% of stake BLACK RANDALL E CEO & PRESIDENT Bought $1.19K 4 Nov 2025 · at $54.25 · 0.1% of stake Guillaume Stephen J SENIOR VICE PRESIDENT Bought $849.60 28 Nov 2025 · at $53.10 · 0.4% of stake Guillaume Stephen J SENIOR VICE PRESIDENT Bought $741.78 27 Feb 2026 · at $57.06 · 0.3% of stake Painter John P II Director Bought $41.18K 6 Mar 2026 · at $61.00 · 24.7% of stake Painter John P II Director Bought $8.91K 12 May 2026 · at $63.67 · 4.0% of stake Gephart LeeAnn EXECUTIVE VICE PRESIDENT Sold at will $1.55K 28 May 2026 · at $64.78 · 2.8% of stake Guillaume Stephen J SENIOR VICE PRESIDENT Bought $2.10K 29 May 2026 · at $61.78 · 0.7% of stake Gephart LeeAnn EXECUTIVE VICE PRESIDENT Sold at will $1.93K 25 Jun 2026 · at $66.52 · 3.5% of stake Gephart LeeAnn EXECUTIVE VICE PRESIDENT Sold at will $1.07K 9 Jul 2026 · at $71.52 · 1.6% of stake Painter John P II Director Bought $12.88K 5 Aug 2026 · at $80.52 · 4.3% of stake Guillaume Stephen J SENIOR VICE PRESIDENT Bought $1.83K 31 Aug 2026 · at $76.32 · 0.5% of stake
9 buys3 sales at will0 planned sales

Key numbers

Fiscal year 2025, ended 31 Dec 2025, as filed
Revenue
$9.88M
Net income
$36.57M
Free cash flow
$35.24M
Net margin
370.1%
Return on equity
10.8%
Revenue growth, 1 yr
2.8%
Revenue growth, 5 yr
8.2% a year
EPS growth, 1 yr
31.6%

Revenue and profit

Fiscal years, as filed with the SEC · point at a year for the detail
Full statements →
7M 25M FY20 Fiscal year 2020 Revenue $6.66M Net income $25.10M Margin 376.9% 8M 29M FY21 Fiscal year 2021 Revenue $7.74M Net income $29.12M Margin 376.3% · growth +16.2% 9M 29M FY22 Fiscal year 2022 Revenue $8.59M Net income $29.06M Margin 338.4% · growth +11.0% 9M 18M FY23 Fiscal year 2023 Revenue $8.97M Net income $17.81M Margin 198.5% · growth +4.5% 10M 28M FY24 Fiscal year 2024 Revenue $9.61M Net income $27.82M Margin 289.5% · growth +7.1% 10M 37M FY25 Fiscal year 2025 Revenue $9.88M Net income $36.57M Margin 370.1% · growth +2.8%
RevenueNet incomeLoss

Latest insider transactions

From Form 4, most recent first
All of them →
DateInsiderTypeValueOf own stake
31 Aug 2026 Guillaume Stephen J
SENIOR VICE PRESIDENT
Bought $1.83K 0.5%
5 Aug 2026 Painter John P II
Director
Bought $12.88K 4.3%
9 Jul 2026 Gephart LeeAnn
EXECUTIVE VICE PRESIDENT
Sold at will $1.07K 1.6%
25 Jun 2026 Gephart LeeAnn
EXECUTIVE VICE PRESIDENT
Sold at will $1.93K 3.5%
29 May 2026 Guillaume Stephen J
SENIOR VICE PRESIDENT
Bought $2.10K 0.7%
28 May 2026 Gephart LeeAnn
EXECUTIVE VICE PRESIDENT
Sold at will $1.55K 2.8%