Stock Trading Canary

United States · SEC Form 4 · Snapshot date: 2026-10-18 · Built: 2026-10-18 · 中文

← United States · Coverage record

US · SEC FORM 4

CITIZENS FINANCIAL SERVICES INC

CZFS · Nasdaq · CIK 0000739421 · Financial Services · Banks—Regional

INSIDER SIGNAL

42.6 / 100

2 buyers · 4 purchase transaction lines · $25.7K gross purchase

WHY THIS SIGNAL?

Buyer breadthLow
Purchase sizeLow
RoleModerate
RecencyLow
ConvictionStrong
Score anatomy

Each bar shows the contribution to the current score; the weights and formula stay unchanged.

Cluster+14.0 / 35
Purchase size+2.9 / 25
Role+13.0 / 20
Recency+4.5 / 10
Conviction+8.2 / 10

What is holding the score back?

  • ⚠ Cluster breadth is moderate · 2 insider(s), not 4+
  • ⚠ Purchase size is modest relative to the model scale
  • ⚠ Role scores low · most senior buyer: SENIOR VICE PRESIDENT (CEO, chair and 10% owners score lowest)

Purchase-size comments are relative to the model scale. Average daily volume is a separate market-context diagnostic.

US-v1.2 ranks qualifying equity purchases under the current 180-day rules. The score is a research priority, not a return forecast or probability. Backtests have not shown that a higher US score is followed by better returns.

Insider activity timeline

Owner lanes show the latest 180 days. Symbol shape identifies the transaction type; sales remain context only.

AprMayJunJulAugSepOct
LANDY R JOSEPHDirector
○○○○○○○
Painter John P IIDirector
○●○●○
Gephart LeeAnnEXECUTIVE VICE PRESIDENT
▼○▼▼
Guillaume Stephen JEXECUTIVE VICE PRESIDENT
●○●
OSBORNE TERRY BDirector
○○○
Hilfiger Janie MDirector
○○
● Purchase▼ Sale○ Other

Showing the six most active owners; 12 additional owner(s) remain in Form 4 evidence.

Purchase breadth & concentration

QUALIFYING BUYERS2
PURCHASE CONCENTRATION85%Largest buyer: Painter John P II · $21.8K
CLUSTER BUYING · 15D1 insiderPeak activity: 2026-05-12–2026-05-12

Roles in the peak window: Director. Concentration uses priced qualifying P lines only and does not change the saved score.

SIGNAL HISTORY

42.6 / 100

Latest recorded score

↓ -0.2 ptsversus the previous recorded snapshot
  1. 43.1
  2. 43.0
  3. 42.9
  4. 42.8
  5. 42.6

Only scores saved when a full US scoring run completed are shown; gaps are not reconstructed.

Recent Form 4 activity

10Purchases
3Sales
60Other Form 4 lines
72SEC filings · 365 days
BUYING4 qualifying P line(s) · 180 days
SELLING3 sale line(s) · context only
OTHER45 exercise / withholding / award / gift / other lines
10b5-1 / PLANNEDNot assessed

P is an open-market or private purchase. S is a sale. M, F, A and G usually describe exercises, tax withholding, awards and gifts. These categories remain visually separate.

Market context

Market context provides additional background on recent price performance and risk. It does not affect the Insider Signal.

Price performance

1M
-6.1%
3M
+9.5%
6M
+16.9%
12M
+35.8%

Volatility & liquidity

Volatility
41.2%
Beta
—
Avg daily value
USD 2.7M

Valuation

Market cap
USD 375.4M
P/E
10.3×

Fundamentals

Profit margin
370.1%
ROE
10.8%
Industry
Banks—Regional

Market data

Price data up to: 2026-10-11 · Price source: OpenBB/yfinance; volume from price cache (yfinance) · From SEC filings: Market cap, P/E, Profit margin, ROE · Fiscal year ended: 2025-12-31 · Market cap is the shares outstanding stated on the filing cover multiplied by the latest close. Share count date: 2026-07-29 · Status: PASS

Short interest

Short interest is external context reported to FINRA by broker-dealers. It does not affect the Insider Signal.

Shares short
68,529
Previous report
75,875
Avg daily volume
40,810
Days to cover
1.7

FINRA settlement date: 2026-09-30 · Captured 2026-10-12 · FINRA equity short interest ↗. A share count, published about a week after each of two settlement dates a month; not a percentage of shares outstanding.

Historical equity purchases

Qualifying code P transactions in the local Form 4 history, including purchases outside the current signal window.

Transaction dateReporting ownerTypeSecuritySharesAvg. priceApprox. valueSource
2026-08-31Guillaume Stephen JPurchase (P)COMMON CLASS24USD 76.32USD 1,832SEC filing ↗
2026-08-05Painter John P IIPurchase (P)COMMON CLASS160USD 80.52USD 12,883SEC filing ↗
2026-05-29Guillaume Stephen JPurchase (P)COMMON CLASS34USD 61.78USD 2,101SEC filing ↗
2026-05-12Painter John P IIPurchase (P)COMMON CLASS140USD 63.67USD 8,914SEC filing ↗
2026-03-06Painter John P IIPurchase (P)COMMON CLASS675USD 61.00USD 41,175SEC filing ↗
2026-02-27Guillaume Stephen JPurchase (P)COMMON CLASS13USD 57.06USD 742SEC filing ↗
2025-11-28Guillaume Stephen JPurchase (P)COMMON CLASS16USD 53.10USD 850SEC filing ↗
2025-11-04BLACK RANDALL EPurchase (P)COMMON CLASS22USD 54.25USD 1,194SEC filing ↗
2025-11-03BLACK RANDALL EPurchase (P)COMMON CLASS478USD 54.10USD 25,862SEC filing ↗
2025-08-31Guillaume Stephen JPurchase (P)COMMON CLASS13USD 56.96USD 740SEC filing ↗
2025-05-30Guillaume Stephen JPurchase (P)COMMON CLASS15USD 58.09USD 871SEC filing ↗
2025-05-06Painter John P IIPurchase (P)COMMON CLASS215USD 57.40USD 12,341SEC filing ↗
2025-02-28Guillaume Stephen JPurchase (P)COMMON CLASS13USD 57.45USD 747SEC filing ↗
2025-02-03Painter John P IIPurchase (P)COMMON CLASS110USD 60.00USD 6,600SEC filing ↗
2024-11-29Guillaume Stephen JPurchase (P)COMMON CLASS13USD 67.08USD 872SEC filing ↗

Form 4 evidence

73 transaction lines in the latest 365-day window; 517 in local history.

DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-22LANDY R JOSEPHGift (G)COMMON CLASS40USD 0.00USD 0SEC filing ↗
2026-09-15Painter John P IIAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15OSBORNE TERRY BAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
Show recent Form 4 evidence (30 grouped rows)
DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-22LANDY R JOSEPHGift (G)COMMON CLASS40USD 0.00USD 0SEC filing ↗
2026-09-15Painter John P IIAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15OSBORNE TERRY BAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15LANDY R JOSEPHAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15KUNES CHRISTOPHER WAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15JONES MICKEY LAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15Hilfiger Janie MAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15GRAHAM ROGER C JRAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15Freeman Thomas E.Award / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15DePaola Rinaldo AAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15Chappell Robert WAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15Behm John DAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-15BOWER JOSEPH B JRAward / grant (A)COMMON CLASS70USD 0.00USD 0SEC filing ↗
2026-09-08LANDY R JOSEPHGift (G)COMMON CLASS20USD 0.00USD 0SEC filing ↗
2026-08-31Guillaume Stephen JPurchase (P)COMMON CLASS24USD 76.32USD 1,832SEC filing ↗
2026-08-05Painter John P IIPurchase (P)COMMON CLASS160USD 80.52USD 12,883SEC filing ↗
2026-07-22RICHARDS DAVID Z JRAward / grant (A)COMMON CLASS343USD 0.00USD 0SEC filing ↗
2026-07-09LANDY R JOSEPHGift (G)COMMON CLASS20USD 0.00USD 0SEC filing ↗
2026-07-09Gephart LeeAnnSale (S)COMMON CLASS15USD 71.52USD 1,073SEC filing ↗
2026-06-25White Jeffrey RAward / grant (A)COMMON CLASS336USD 0.00USD 0SEC filing ↗
2026-06-25WILSON JEFFREY LAward / grant (A)COMMON CLASS49USD 0.00USD 0SEC filing ↗
2026-06-25Guillaume Stephen JAward / grant (A)COMMON CLASS311USD 0.00USD 0SEC filing ↗
2026-06-25Gephart LeeAnnAward / grant (A)COMMON CLASS153USD 0.00USD 0SEC filing ↗
2026-06-25BLACK RANDALL EAward / grant (A)COMMON CLASS563USD 0.00USD 0SEC filing ↗
2026-06-25Gephart LeeAnnSale (S)COMMON CLASS29USD 66.52USD 1,929SEC filing ↗
2026-06-15Painter John P IIAward / grant (A)COMMON CLASS88USD 0.00USD 0SEC filing ↗
2026-06-15OSBORNE TERRY BAward / grant (A)COMMON CLASS88USD 0.00USD 0SEC filing ↗
2026-06-15LANDY R JOSEPHAward / grant (A)COMMON CLASS88USD 0.00USD 0SEC filing ↗
2026-06-15KUNES CHRISTOPHER WAward / grant (A)COMMON CLASS88USD 0.00USD 0SEC filing ↗
2026-06-15JONES MICKEY LAward / grant (A)COMMON CLASS88USD 0.00USD 0SEC filing ↗

Multiple price lines in one filing are grouped and share-weighted. Price and value are blank when a grouped filing line lacks price evidence.

Snapshot & identity

Snapshot date2026-10-18
Ranking versionUS-v1.2
Data qualityPASS ELIGIBLE · —
TickerCZFS
CIK0000739421
SectorFinancial Services
IndustryBanks—Regional Yahoo Finance
SEC SIC6022 State Commercial Banks
ExchangeNasdaq

Data coverage

Local Form 4 history517 transaction lines from 2020-01-30 to 2026-09-22
57 P purchase lines · 35 S sale lines · 425 other lines
SEC company submissionsOpen SEC filings ↗

Local ledger as of 2026-10-18. Mapping status is an audit field and does not erase SEC filing evidence.