CZFS
Citizens Financial Services, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
81.70
▲ 1.27 (1.58%)
MARKET · —
Price
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
80.54
Prev close
80.43
Day high
83.63
Day low
79.28
Volume
82.34K
Market cap
$392.97M
P/E (TTM)
9.56
52W range
52.35 – 84.35
Trailing performance
Returnvs SPY
1W
-1.02%
+0.4%
1M
+14.27%
+10.5%
3M
+26.12%
+23.0%
6M
+29.74%
+18.7%
YTD
+43.28%
+31.0%
1Y
+43.28%
+23.3%
3Y
+49.49%
-24.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CZFS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+4.81K
Net buying
Buy transactions
37
4.88K shares
Sell transactions
3
68 shares
Net transactions
+40
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
305.33K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 5, 26 | PAINTER JOHN P II Director |
BUY | 160 | $12.88K | Direct |
| Jul 22, 26 | RICHARDS DAVID Z JR Officer and Director |
STOCK | 343 | $0 | Direct |
| Jul 9, 26 | LANDY ROBERT JOSEPH Director |
STOCK | 20 | $0 | Direct |
| Jul 9, 26 | GEPHART LEEANN Officer |
SELL | 15 | $1.07K | Direct |
| Jun 25, 26 | BLACK RANDALL E Chief Executive Officer |
STOCK | 563 | $0 | Direct |
| Jun 25, 26 | WILSON JEFFREY L Officer |
STOCK | 49 | $0 | Direct |
| Jun 25, 26 | WHITE JEFFREY R. Officer |
STOCK | 336 | $0 | Direct |
| Jun 25, 26 | GUILLAUME STEPHEN J Officer |
STOCK | 311 | $0 | Direct |
| Jun 25, 26 | GEPHART LEEANN Officer |
STOCK | 153 | $0 | Direct |
| Jun 25, 26 | GEPHART LEEANN Officer |
SELL | 29 | $1.93K | Direct |
| Jun 15, 26 | OSBORNE TERRY B Director |
STOCK | 88 | $0 | Direct |
| Jun 15, 26 | DEPAOLA RINALDO A Director |
STOCK | 88 | $0 | Direct |
| Jun 15, 26 | BOWER JOSEPH B JR. Director |
STOCK | 88 | $0 | Direct |
| Jun 15, 26 | LANDY ROBERT JOSEPH Director |
STOCK | 88 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BEHM JOHN D |
Director | 13.13K | Stock Award(Grant) |
BLACK RANDALL E |
Chief Executive Officer | 46.80K | Stock Award(Grant) |
DEPAOLA RINALDO A |
Director | 18.96K | Stock Award(Grant) |
FREEMAN THOMAS E. |
Director | 13.26K | Stock Award(Grant) |
GRAHAM ROGER C JR |
Director | 69.40K | Stock Award(Grant) |
JONES MICKEY L |
Director | 14.98K | Stock Award(Grant) |
KUNES CHRISTOPHER W |
Director | 13.13K | Stock Award(Grant) |
LANDY ROBERT JOSEPH |
Director | 28.04K | Stock Gift |
OSBORNE TERRY B |
Director | 13.36K | Stock Award(Grant) |
SCHADLER ALLETTA M |
Director | 29.74K | Stock Award(Grant) |
Fundamentals
Market cap$392.97M
Enterprise value$741.43M
Revenue (TTM)$114.76M
Gross profit$114.76M
EBITDA—
Net income$41.05M
EPS (TTM)$8.55
Free cash flow—
Total cash$49.51M
Total debt$397.97M
Book value / share$73.37
Shares outstanding4.81M
Float4.50M
Short % of float1.32%
Dividend yield2.49%
Beta (5Y)0.38
Valuation & profitability ratios
Trailing P/E9.56
Forward P/E9.27
PEG ratio—
Price / sales—
Price / book1.11
EV / revenue6.46
EV / EBITDA—
Gross margin0.00%
Operating margin44.54%
Profit margin35.77%
Return on equity12.32%
Return on assets1.33%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $112.34M | $100.75M | $91.86M | $81.87M | +11.5% |
| Operating revenue | $112.34M | $100.75M | $91.86M | $81.87M | +11.5% |
| Selling, general & admin | $41.11M | $41.34M | $36.47M | $28.51M | -0.6% |
| Pre-tax income | $45.24M | $33.88M | $21.57M | $35.49M | +33.5% |
| Tax provision | $8.67M | $6.07M | $3.76M | $6.43M | +42.9% |
| Net income | $36.57M | $27.82M | $17.81M | $29.06M | +31.5% |
| Net income to common | $36.57M | $27.82M | $17.81M | $29.06M | +31.5% |
| Basic EPS | 7.62 | 5.80 | 3.98 | 7.10 | +31.3% |
| Diluted EPS | 7.62 | 5.79 | 3.98 | 7.10 | +31.6% |
| Basic shares | 4.80M | 4.80M | 4.48M | 4.10M | -0.0% |
| Diluted shares | 4.80M | 4.80M | 4.48M | 4.10M | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $38.11M | $46.02M | $56.89M | $32.27M | -17.2% |
| Accounts receivable | $10.70M | $10.31M | $11.04M | $7.33M | +3.8% |
| Property, plant & equipment | $21.00M | $21.39M | $21.38M | $17.62M | -1.9% |
| Goodwill & intangibles | $87.98M | $88.65M | $89.41M | $32.65M | -0.8% |
| Total assets | $3.06B | $3.03B | $2.98B | $2.33B | +1.3% |
| Current debt | $0 | $7.57M | $12.57M | — | -100.0% |
| Long-term debt | $293.95M | $272.81M | $271.42M | $257.28M | +7.7% |
| Total debt | $293.95M | $280.38M | $283.99M | $257.28M | +4.8% |
| Total liabilities | $2.73B | $2.73B | $2.70B | $2.13B | +0.0% |
| Retained earnings | $213.62M | $189.44M | $172.97M | $164.92M | +12.8% |
| Shareholder equity | $338.05M | $299.73M | $279.67M | $200.15M | +12.8% |
| Net tangible assets | $250.07M | $211.08M | $190.26M | $167.50M | +18.5% |
| Shares issued | 5.26M | 5.26M | 5.26M | 4.56M | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $36.57M | $27.82M | $17.81M | $29.06M | +31.5% |
| Depreciation & amortisation | $2.10M | $1.81M | $1.52M | $1.03M | +16.5% |
| Stock-based compensation | $625.00K | $412.00K | $309.00K | $336.00K | +51.7% |
| Change in working capital | -$1.95M | $1.13M | $696.00K | -$1.58M | -272.8% |
| Operating cash flow | $36.53M | $33.18M | $26.54M | $33.24M | +10.1% |
| Capital expenditure | -$1.30M | -$1.31M | -$2.62M | -$1.63M | +1.4% |
| Investing cash flow | -$40.08M | -$69.07M | $59.47M | -$362.45M | +42.0% |
| Share buybacks | -$545.00K | -$266.00K | -$265.00K | -$1.28M | -104.9% |
| Dividends paid | -$9.55M | -$9.30M | -$8.50M | -$7.59M | -2.6% |
| Financing cash flow | -$4.37M | $25.27M | -$59.40M | $182.59M | -117.3% |
| Free cash flow | $35.24M | $31.87M | $23.92M | $31.61M | +10.6% |
| End cash position | $34.29M | $42.20M | $52.82M | $26.21M | -18.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $29.71M | $29.80M | $29.61M | $28.99M | $27.31M | -0.3% |
| Operating revenue | $29.71M | $29.80M | $29.61M | $28.99M | $27.31M | -0.3% |
| Selling, general & admin | $10.64M | $10.67M | $9.58M | $10.32M | $10.47M | -0.3% |
| Pre-tax income | $12.34M | $12.70M | $13.09M | $12.36M | $10.42M | -2.8% |
| Tax provision | $2.15M | $2.33M | $2.60M | $2.35M | $1.95M | -7.4% |
| Net income | $10.19M | $10.38M | $10.48M | $10.01M | $8.46M | -1.8% |
| Net income to common | $10.19M | $10.38M | $10.48M | $10.01M | $8.46M | -1.8% |
| Basic EPS | 2.12 | 2.16 | 2.19 | 2.09 | 1.76 | -1.9% |
| Diluted EPS | 2.12 | 2.16 | 2.18 | 2.09 | 1.76 | -1.9% |
| Basic shares | 4.80M | 4.80M | 4.80M | 4.80M | 4.80M | -0.0% |
| Diluted shares | 4.80M | 4.80M | 4.80M | 4.80M | 4.80M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $42.75M | $36.92M | $38.11M | $34.90M | $53.30M | — | +15.8% |
| Accounts receivable | $10.92M | $10.94M | $10.70M | $11.41M | $10.60M | — | -0.2% |
| Property, plant & equipment | $20.66M | $20.71M | $21.00M | $21.51M | $21.78M | — | -0.3% |
| Goodwill & intangibles | $87.69M | $87.83M | $87.98M | $88.13M | $88.29M | — | -0.2% |
| Total assets | $3.19B | $3.03B | $3.06B | $3.06B | $2.97B | — | +5.5% |
| Current debt | — | — | $0 | — | — | $7.57M | — |
| Long-term debt | $394.02M | $198.74M | $293.95M | $279.59M | $313.22M | — | +98.3% |
| Total debt | $394.02M | $198.74M | $293.95M | $279.59M | $313.22M | — | +98.3% |
| Total liabilities | $2.84B | $2.68B | $2.73B | $2.73B | $2.65B | — | +5.8% |
| Retained earnings | $229.33M | $221.60M | $213.62M | $205.54M | $197.94M | — | +3.5% |
| Shareholder equity | $352.83M | $343.58M | $338.05M | $327.68M | $313.65M | — | +2.7% |
| Net tangible assets | $265.14M | $255.75M | $250.07M | $239.55M | $225.37M | — | +3.7% |
| Shares issued | 4.81M | 5.26M | 5.26M | 5.26M | 5.26M | — | -8.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $10.19M | $10.38M | $10.48M | $10.01M | $8.46M | -1.8% |
| Depreciation & amortisation | $444.00K | $470.00K | $690.00K | $493.00K | $472.00K | -5.5% |
| Change in working capital | -$371.00K | $375.00K | $90.00K | $204.00K | -$86.00K | -198.9% |
| Operating cash flow | -$89.00K | $18.02M | $16.73M | $2.88M | $5.98M | -100.5% |
| Capital expenditure | -$287.00K | -$125.00K | -$71.00K | -$145.00K | -$495.00K | -129.6% |
| Investing cash flow | -$139.51M | $29.94M | -$6.50M | -$103.54M | $70.69M | -566.0% |
| Share buybacks | -$147.00K | -$158.00K | -$172.00K | -$77.00K | -$239.00K | +7.0% |
| Dividends paid | -$2.45M | -$2.40M | -$2.40M | -$2.40M | -$2.39M | -2.0% |
| Financing cash flow | $145.93M | -$49.15M | -$7.01M | $82.26M | -$63.98M | +396.9% |
| Free cash flow | -$376.00K | $17.89M | $16.66M | $2.73M | $5.49M | -102.1% |
| End cash position | $39.43M | $33.10M | $34.29M | $31.07M | $49.48M | +19.1% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.98 | 2.12 | +7.1% |
| Mar 2026 | 1.98 | 2.16 | +9.1% |
| Dec 2025 | 2.07 | 2.18 | +5.3% |
| Sep 2025 | 1.76 | 2.09 | +18.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 2.20 | 1 | $0 | — |
| Next quarter | 2.24 | 1 | $0 | — |
| Current year | 8.72 | 1 | $0 | — |
| Next year | 8.81 | 1 | $0 | — |
Analyst targets & ownership
Mean target$89.00
High target$89.00
Low target$89.00
Implied upside8.94%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders6.35%
Held by institutions31.59%
Institutions holding135
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
81.87
-0.20% from price
SMA 20
80.33
+1.71% from price
SMA 50
74.80
+9.22% from price
SMA 100
69.91
+16.86% from price
SMA 200
65.02
+25.65% from price
EMA 12
81.09
+0.75% from price
EMA 26
78.94
+3.49% from price
EMA 50
75.68
+7.96% from price
RSI (14)
58.3
Neutral
MACD (12,26,9)
2.15
Hist -0.34
ATR (14)
2.94
3.60% of price
Realised vol 30D
37.0%
Annualised
Bollinger upper
85.30
20, 2σ
Bollinger lower
75.35
20, 2σ
50 / 200 cross
Golden
74.80 vs 65.02
Trend bias
Above 200
+25.65%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.27
Less volatile than market
Correlation to SPY
0.10
Largely independent
Realised vol 30D
37.0%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-18.1%
Peak to trough
Max drawdown 5Y
-56.3%
Peak to trough
ATR 14
2.94
3.60% of price
Beta (reported)
0.38
5Y monthly, from filing
Short interest
Shares short
60.06K
Prior 54.14K
Change vs prior
+10.9%
Shorts adding
% of float
1.32%
Normal
% of shares out
1.25%
Against total outstanding
Days to cover
3.5
Liquid
Float
4.50M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Apr 30, 24 | Janney Montgomery Scott | UPGRADE | Neutral | Buy |
| Jun 29, 23 | Janney Montgomery Scott | DOWNGRADE | Buy | Neutral |
| Jan 26, 21 | Janney Montgomery Scott | UPGRADE | Neutral | Buy |
Dividends & splits
Forward rate$2.04 / yr
Forward yield2.49%
5-year avg yield3.16%
Payout ratio23.51%
Ex-dividend dateJun 12, 2026
Next pay dateJun 26, 2026
Last split101:100
Split dateJun 14, 2024
SEC filings
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-06-22
Periodic Financial Reports
10-Q · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-29
Offering Registrations
S-8 · 2026-04-27
Corporate Changes & Voting Matters
8-K · 2026-04-22
Corporate Changes & Voting Matters
8-K · 2026-04-21
Headlines
All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.