Lumida
/CZFS
⌘K
Citizens Financial Services Inc

Citizens Financial Services Inc

CZFS
$82.21USD-1.09%-0.91 today

MARKET CAP

395.4M

P/E (TTM)

10.8x

FWD P/E

DAY RANGE

$81 – $84

52W RANGE

$52
$85

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.

  • 47% YoY EPS surge in Q1 2026 drives robust profitability.
  • Net interest income rose 14% YoY; guiding 10–12% growth in 2026.
  • Non-performing loans over $41 M increase allowance for credit losses.
Full analysis →
Insider Trades24 trades
DateSideTickerInsiderRoleSharesPriceMkt Cap52W High52W LowValue% ChgRuleAI View
Jul 9, 2026SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT15$71.52$395.4M-2.88%+57.04%$1.1K-1.56%Stalk
Jun 25, 2026SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT29$66.52$395.4M-2.88%+57.04%$1.9K-3.46%Stalk
May 29, 2026BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT34$61.78$395.4M-2.88%+57.04%$2.1K+0.73%Stalk
May 28, 2026SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT24$64.78$395.4M-2.88%+57.04%$1.6K-2.79%Stalk
Feb 27, 2026BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT13$57.06$395.4M-2.88%+57.04%$741.78+0.28%Stalk
Nov 28, 2025BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT16$53.10$395.4M-2.88%+57.04%$849.6+0.35%Stalk
Nov 4, 2025BuyCZFSRandall E BlackCEO & PRESIDENT22$54.25$395.4M-2.88%+57.04%$1.2K+0.05%Stalk
Nov 3, 2025BuyCZFSRandall E BlackCEO & PRESIDENT478$54.10$395.4M-2.88%+57.04%$25.9K+0.55%Stalk
Aug 31, 2025BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT13$56.96$395.4M-2.88%+57.04%$740.48+0.29%Stalk
Jul 8, 2025SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT14$59.64$395.4M-2.88%+57.04%$834.96-1.91%Stalk
Jun 24, 2025SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT33$59.58$395.4M-2.88%+57.04%$2.0K-4.34%Stalk
May 30, 2025BuyCZFSStephen J GuillaumeEXECUTIVE VICE PRESIDENT15$58.09$395.4M-2.88%+57.04%$871.35+0.34%Stalk
Feb 28, 2025BuyCZFSStephen J GuillaumeEXECUTIVE VICE PRESIDENT13$57.45$395.4M-2.88%+57.04%$746.85+0.32%Stalk
Feb 3, 2025SellCZFSLeeann GephartEXECUTIVE VICE PRESIDENT21$69.19$395.4M-2.88%+57.04%$1.5K-3.50%Stalk
Nov 29, 2024BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT13$67.08$395.4M-2.88%+57.04%$872.034+0.33%Stalk
Nov 20, 2024SellCZFSDavid Z Jr RichardsEXECUTIVE VICE PRESIDENT121$69.50$395.4M-2.88%+57.04%$8.4K-7.67%Stalk
Aug 30, 2024SellCZFSDavid Z Jr RichardsSENIOR EVP500$54.87$395.4M-2.88%+57.04%$27.4K-24.21%Stalk
Aug 19, 2024BuyCZFSJeffrey R WhiteEXECUTIVE VICE PRESIDENT1,517$49.43$395.4M-2.88%+57.04%$75.0KStalk
Jun 13, 2024BuyCZFSJeffrey L WilsonEXECUTIVE VICE PRESIDENT69$43.15$395.4M-2.88%+57.04%$3.0K+0.93%Stalk
Apr 30, 2024BuyCZFSStephen J GuillaumeEXECUTIVE VICE PRESIDENT300$40.00$395.4M-2.88%+57.04%$12.0K+9.13%Stalk
Feb 28, 2024BuyCZFSRandall E BlackCEO & PRESIDENT30$53.84$395.4M-2.88%+57.04%$1.6K+0.07%Stalk
Feb 20, 2024BuyCZFSRandall E BlackCEO & PRESIDENT500$48.00$395.4M-2.88%+57.04%$24.0K+0.60%Stalk
Oct 25, 2023BuyCZFSStephen J GuillaumeSENIOR VICE PRESIDENT500$44.25$395.4M-2.88%+57.04%$22.1K+19.47%Stalk
Sep 18, 2023SellCZFSDavid Z Jr RichardsEXECUTIVE VICE PRESIDENT1,500$50.78$395.4M-2.88%+57.04%$76.2K-55.76%Stalk