Citizens Financial Services (CZFS) EVP Gephart Buys 153 Shares

On June 25, 2026, Leeann Gephart, Executive Vice President at Citizens Financial Services, Inc. (NasdaqCM: CZFS), purchased 153 shares of the company. This transaction was not part of a pre-arranged trading plan.

Insider Buying and Selling at Citizens Financial Services, Inc.

Several insiders at Citizens Financial Services made transactions on June 25, 2026. Jeffrey Wilson, also an Executive Vice President, bought 49 shares, while another Executive Vice President, Jeffrey White, acquired 336 shares. Stephen Guillaume, another EVP, purchased 311 shares, and CEO Randall Black bought 563 shares. Leeann Gephart not only bought 153 shares but also sold 29 shares at an average price of $66.52.

Other Institutional Activity in Citizens Financial Services

Vanguard Capital Management LLC opened a new position in Citizens Financial Services with 201,701 shares, valued at approximately $12.3 million. BlackRock, Inc. reduced its holdings by 4,612 shares, leaving it with 331,294 shares valued at about $20.3 million. Geode Capital Management, LLC increased its stake by 1,596 shares, bringing its total to 112,462 shares worth around $6.9 million. Meanwhile, State Street Corp cut its position by 5,710 shares, finishing with 93,930 shares valued at $5.7 million. American Century Companies Inc boosted its holdings by 16,296 shares, totaling 44,186 shares valued at approximately $2.7 million.

Citizens Financial Services, Inc. Stock Down 9.3%

Shares of Citizens Financial Services (NasdaqCM: CZFS) were trading near $70.99 on Friday. The company has a market capitalization of approximately $341.1 million, with a P/E ratio of 8.67 and a forward P/E of 8.54. The stock's 52-week range is between $49.99 and $71.87. Its 50-day moving average is $65.61, and the 200-day moving average is $61.40. The stock has a beta of 0.4, indicating lower volatility relative to the market.

Recent Earnings

Citizens Financial Services reported revenue of $113.5 million with a growth rate of 13.6%. The net margin stood at 34.7%, and the return on equity was 12.1%. Earnings per share were $8.19. The company is expected to announce its next earnings on July 29, 2026.

Dividend

Citizens Financial Services pays an annual dividend of $2.04, yielding 2.9%. The dividend payout ratio is 24.4%, indicating a conservative distribution relative to earnings.

Analysts Set New Price Targets

On April 30, 2024, Janney Montgomery upgraded Citizens Financial Services to a 'buy' rating with a price target of $53. The consensus target price is $71, based on one analyst opinion.

About Citizens Financial Services

Citizens Financial Services, Inc. is a bank holding company headquartered in Mansfield, Pennsylvania. It provides a variety of banking products and services to individuals, businesses, and institutions. The company's offerings include checking and savings accounts, various loan products, trust administration, and investment management services. It also provides brokerage, financial planning, and insurance products. Founded in 1984, Citizens Financial Services operates in the regional banking sector, employing around 386 people.

Bottom Line

Leeann Gephart's recent share purchase at Citizens Financial Services reflects insider activity that investors often track for signals about company confidence. As of the latest trading, CZFS shares are performing within their 52-week range, supported by solid earnings and a consistent dividend. Institutional investors have shown mixed activity, with some increasing and others reducing their stakes.