CZFS EVP Leeann Gephart Sells $1.9K of Stock

Small Sale for Executive Vice President

Leeann Gephart, an Executive Vice President at Citizens Financial Services, Inc. ($CZFS), sold 29 shares of the company on June 25, 2026. According to the SEC filing, Gephart sold the shares at a price of $66.52 each. The total value of the transaction was approximately $1,929. This was not a pre-planned trade under a Rule 10b5-1 plan, which some executives use to schedule sales in advance.

While the sale was relatively small, it took place on a very busy day for insider activity at the Mansfield, Pennsylvania-based bank. On that same day, Gephart also acquired 153 shares. This mix of buying and selling by the same individual often occurs due to the exercise of stock options or the vesting of restricted stock units, where some shares are sold to cover tax obligations.

Insider Buying and Selling at Citizens Financial Services, Inc.

Several other leaders at Citizens Financial Services were active in the market on June 25, 2026. CEO and President Randall Black acquired 563 shares, while Executive Vice President Stephen Guillaume purchased 311 shares. Other executive vice presidents also joined in, with Jeffrey White buying 336 shares and Jeffrey Wilson acquiring 49 shares. Earlier in the month, on June 15, 2026, insider Joseph Landy also added 88 shares to his holdings.

This cluster of buying suggests that the management team is actively increasing its ownership in the company. Such activity is common in regional banks where leadership often maintains a direct stake in the firm's performance.

Citizens Financial Services Stock Trends

On Thursday, shares of Citizens Financial Services were trading around $70.99. This price is roughly in the middle of the company's 52-week range, which has seen a low of $52.35 and a high of $84.65. The stock is currently trading above its 200-day moving average of $67.60, a level many traders watch to gauge long-term momentum, but below its 50-day moving average of $79.39.

With a market capitalization of about $384.8 million, the bank is considered a small-cap player in the financial sector. It currently carries a price-to-earnings (P/E) ratio of 9.36. This ratio, which measures the stock price against company earnings, suggests investors are paying about $9.36 for every dollar of profit the bank generates. The forward P/E ratio, based on future estimates, is slightly lower at 9.08.

Recent Earnings and Financial Health

Citizens Financial Services reported annual revenue of $114.76 million, representing a growth rate of 0.1%. The bank maintains a healthy net margin of 35.77% and a return on equity (ROE) of 12.32%. These figures reflect the profitability of the company's lending and investment management operations. Investors looking forward to the next financial update should mark October 29, 2026, on their calendars for the next earnings report.

Dividend Performance

For investors focused on income, the bank pays an annual dividend of $2.04 per share. Based on recent prices, this results in a dividend yield of 2.51%. The company's dividend payout ratio is 23.51%, which indicates that the bank uses less than a quarter of its earnings to pay dividends, leaving the rest for operations or capital reserves.

Local Banking Services

Citizens Financial Services is a bank holding company that operates primarily through First Citizens Community Bank. Founded in 1984, the company provides standard banking products like checking accounts and mortgages, but it also handles more specialized services. These include trust administration, estate planning, and even assistance with oil and gas leasing matters, which is a specific niche for banks in certain parts of Pennsylvania.

As with all insider reports, these trades provide a backward-looking view of what executives were doing on specific dates. While Gephart's sale was small, the broader trend of buying across the executive suite provides a fuller picture of how the bank's leadership is managing its personal stakes as the next earnings date approaches.