Citizens Financial Services CZFS Insider Ownership

NASDAQ CZFS

$80.50 +1.40 (+1.77%)

At close: Oct 20, 2026 · 4:00 PM EDT

Insider Holdings by Owner

345.51K Shares

Insider Ownership Statistics

as of 30 Sep, 2026

Insider Ownership

6.61%

▲+0.045% pp QoQ

Shares Held by Insiders

317.82K

filed for Sep 2026

▲+0.68% QoQ

Shares Outstanding

4.81Mn

4,809,855 shares

Direct Holdings

307.34K

Indirect: 10.49K

Net Shares Traded (QoQ)

+2.16K

net buying in Sep 2026

Insiders Holding Shares

with Form 4 holdings on file

Shares Owned by Insiders

Shares held % of outstanding

Latest —

Average ownership —

Peak ownership —

Shares Purchased/Sold by Insiders

Bought Sold

Latest quarter —

Net over range —

Buying quarters —

Insider Ownership Summary

Updated Oct 10, 2026

Over the past year, CZFS insiders bought $95,551 of stock (1.56K shares) and sold $4,557 (68 shares) on the open market.

Behind Citizens Financial Services' open-market trades in the past 12 months were 3 insiders buying and one insider selling.
Among Citizens Financial Services' insiders, the largest open-market purchases in the past 12 months were by John P. Painter II (Director), totaling $62,972 (975 shares), most recently on August 5, 2026.
Meanwhile, the largest open-market sales of CZFS in the past 12 months were by Leeann Gephart (Executive Vice President), totaling $4,557 (68 shares), most recently on July 9, 2026.
The latest open-market trade in CZFS stock by an insider was a purchase of 24 shares for $1,832 by Stephen J. Guillaume (Senior Vice President) on August 31, 2026.
Away from the open market, CZFS insiders received 3.86K shares in stock awards and gave away 466 shares as gifts over the last 12 months.
According to Business Quant data, insiders at Citizens Financial Services reported 317.82K shares in total in their latest Form 4 filings, up 0.68% from 315.66K shares at the end of Q2 2026.
Citizens Financial Services insiders hold 307.34K shares directly (96.70% of their total) and 10.48K shares (3.30%) indirectly, through entities such as trusts and partnerships.
Per Business Quant, 20 insiders of CZFS hold shares, counting officers, directors and 10% owners who have filed a Form 4 in the past two years.
CZFS's three largest insider shareholders, per their latest Form 4 filings, are Roger C. Graham Jr. (Director, 69.96K shares), Randall E. Black (CEO & President, 46.8K shares) and Alletta M. Schadler (30.14K shares).
Of the shares held by CZFS insiders, 22.01% belong to Roger C. Graham Jr.
Institutions owned 30.77% of CZFS shares as of Q2 2026; insiders' latest Form 4 filings account for about 6.61%, leaving roughly 62.62% with other investors, including the public.
In the last 12 months, 72 Form 4 filings with transactions in CZFS stock came from 18 insiders.
These insider figures for Citizens Financial Services are based on Form 4 filings through September 22, 2026.

Form 4 Holdings

Insiders Holding CZFS

Insiders 22

Shares held 345.51K

Of outstanding 7.18%

#	Insider	Position	Direct	Total	Share of Insiders	Last Filed
1	Roger C Jr Graham	Director	69,964	69,964	20.2%	15 Sep, 2026
2	Randall E Black	Ceo President	46,487	46,487	13.5%	26 Jun, 2026
3	Robert Joseph Marino	Other	36,179	36,179	10.5%	10 Oct, 2023
4	Alletta M Schadler	Other	30,139	30,139	8.7%	27 Jun, 2025
5	R Joseph Landy	Director	28,051	28,051	8.1%	22 Sep, 2026
6	Rinaldo A Depaola	Director	16,851	16,851	4.9%	15 Sep, 2026
7	Mickey L Jones	Senior Evp	14,175	14,175	4.1%	15 Sep, 2026
8	Terry B Osborne	Executive Vice President	13,430	13,430	3.9%	15 Sep, 2026
9	Thomas E. Freeman	Director	13,423	13,423	3.9%	15 Sep, 2026
10	Christopher W Kunes	Director	13,248	13,248	3.8%	15 Sep, 2026
11	John D Behm	Director	13,204	13,204	3.8%	15 Sep, 2026
12	Robert W Chappell	Director	13,106	13,106	3.8%	15 Sep, 2026
13	Jeffrey L Wilson	Executive Vice President	8,337	8,337	2.4%	26 Jun, 2026
14	E Gene Kosa	Other	6,979	6,979	2.0%	27 Jun, 2025
15	Stephen J Guillaume	Senior Vice President	5,094	5,094	1.5%	01 Sep, 2026
16	John P Ii Painter	Director	3,991	3,991	1.2%	15 Sep, 2026
17	Janie M Hilfiger	Director	3,960	3,960	1.1%	15 Sep, 2026
18	Joseph B Jr Bower	Director	2,092	2,092	0.6%	15 Sep, 2026
19	Jeffrey R White	Executive Vice President	2,010	2,010	0.6%	26 Jun, 2026
20	Zerick D Cook	Executive Vice President	1,991	1,991	0.6%	28 Jun, 2024
21	David Z Jr Richards	Executive Vice President	1,851	1,851	0.5%	23 Jul, 2026
22	Leeann Gephart	Executive Vice President	946	946	0.3%	09 Jul, 2026

Each row is that insider’s most recently reported position, from Form 4 filings over the last 60 months — which is why this total does not tie to the quarterly series above, where a quarter counts only the insiders who filed in it. Shares held through a fund or institutional portfolio are counted on the institutional ownership page instead.

Form 4 Filings

1,608 Insider Transactions

Source SEC Form 4

Latest quarter Sep 2026

Date	Insider	Position	Transaction	Shares	Price	Value	Shares Held After	Ownership
22 Sep, 2026	R Joseph Landy	Director	Disposed G	40	$0.00	$0	28,051	Direct
15 Sep, 2026	Mickey L Jones	Director	Acquired A	70	$0.00	$0	14,175	Direct
15 Sep, 2026	Christopher W Kunes	Director	Acquired A	70	$0.00	$0	13,248	Direct
15 Sep, 2026	R Joseph Landy	Director	Acquired A	70	$0.00	$0	28,091	Direct
15 Sep, 2026	John D Behm	Director	Acquired A	70	$0.00	$0	13,204	Direct
15 Sep, 2026	Terry B Osborne	Director	Acquired A	70	$0.00	$0	13,430	Direct
15 Sep, 2026	Thomas E. Freeman	Director	Acquired A	70	$0.00	$0	13,423	Direct
15 Sep, 2026	Joseph B Jr Bower	Director	Acquired A	70	$0.00	$0	2,092	Direct
15 Sep, 2026	Rinaldo A Depaola	Director	Acquired A	70	$0.00	$0	16,851	Direct
15 Sep, 2026	Robert W Chappell	Director	Acquired A	70	$0.00	$0	13,106	Direct
15 Sep, 2026	Janie M Hilfiger	Director	Acquired A	70	$0.00	$0	3,960	Direct
15 Sep, 2026	John P Ii Painter	Director	Acquired A	70	$0.00	$0	3,991	Direct
15 Sep, 2026	Roger C Jr Graham	Director	Acquired A	70	$0.00	$0	69,964	Direct
08 Sep, 2026	R Joseph Landy	Director	Disposed G	20	$0.00	$0	28,021	Direct
31 Aug, 2026	Stephen J Guillaume	Senior Vice President	Acquired P	24	$76.32	$1.83K	5,094	Direct
05 Aug, 2026	John P Ii Painter	Director	Acquired P	160	$80.52	$12.88K	3,921	Direct
22 Jul, 2026	David Z Jr Richards	Executive Vice President	Acquired A	343	$0.00	$0	1,851	Direct
09 Jul, 2026	Leeann Gephart	Executive Vice President	Disposed S	15	$71.52	$1.07K	946	Direct
09 Jul, 2026	R Joseph Landy	Director	Disposed G	20	$0.00	$0	28,041	Direct
25 Jun, 2026	Jeffrey R White	Executive Vice President	Acquired A	336	$0.00	$0	2,010	Direct

Showing 1 to 20 of 1,608 transactions