Citizens Financial Company Insiders
| CZFS Stock | USD 59.98 2.09 3.61% |
Slightly above 77 percent of all Citizens Financial's insiders are aggressively buying. The analysis of insiders' sentiment of trading Citizens Financial Services stock suggests that a fairly large number of insiders are very bullish at this time. Citizens Financial employs about 373 people. The company is managed by 13 executives with a total tenure of roughly 66 years, averaging almost 5.0 years of service per executive, having 28.69 employees per reported executive.
| Randall Black CEO CEO and President Director, Member of Governance and Nominating Committee, CEO of First Citizens Community Bank and President of First Citizens Community Bank and Director of First Citizens Community Bank |
| Cynthia Pazzaglia President Senior Vice President , Human Resource Manager of the Bank |
Insider Sentiment
Aggressively Buying
Selling | Buying |
Latest Trades
| 2026-02-27 | Stephen J Guillaume | Acquired 13 @ 57.06 | View | ||
| 2025-11-28 | Stephen J Guillaume | Acquired 16 @ 53.1 | View | ||
| 2025-11-04 | Randall E Black | Acquired 22 @ 54.25 | View | ||
| 2025-11-03 | Randall E Black | Acquired 478 @ 54.1 | View | ||
| 2025-08-31 | Stephen J Guillaume | Acquired 13 @ 56.96 | View | ||
| 2025-07-08 | Leeann Gephart | Disposed 14 @ 59.64 | View | ||
| 2025-06-24 | Leeann Gephart | Disposed 33 @ 59.58 | View | ||
| 2025-05-30 | Stephen J Guillaume | Acquired 15 @ 58.09 | View | ||
| 2025-05-06 | John P Painter II | Acquired 215 @ 57.4 | View |
Insider-sentiment monitoring for Citizens Financial is useful because insiders may respond to operating developments before those shifts are fully reflected in market commentary. The stronger workflow is to compare insider behavior with earnings, guidance, and business changes instead of reading the transactions in isolation.
Citizens | Build portfolio with Citizens Stock |
Citizens Financial's Workforce Through the Years
A workforce review of Citizens Financial matters because hiring and staffing trends often say something about growth plans, cost discipline, and management expectations. Current projections suggest a workforce around slightly above 370 employees by April 2026, which should be reviewed alongside revenue and margin trends.Macro event markers
Management Team Effectiveness
The company has return on total asset (ROA) of 1.2 % which means that for every $100 of assets, it generated a profit of $1.2. This is below average for the sector. Similarly, it shows a return on stockholder's equity (ROE) of 11.47 %, which means that it generated $11.47 on every $100 invested by stockholders.As of March 19th, 2026, Net Income Applicable To Common Shares is estimated to rise to approximately 35.1 M, whereas Common Stock Shares Outstanding is moving lower toward slightly above 4.2 M.
Stock Institutional Investors
Citizens Financial Services has 29.30% institutional ownership and 6.32% insider stake. Annual revenue is about 173.24 Million. This mix shapes how the stock trades around earnings. Shares outstanding are near 4.8 M. The insider stake is large enough to signal management alignment, which can steady the price during sell-offs.
| Shares | Segall Bryant & Hamill | 2025-12-31 | 16.1 K | Bank Of New York Mellon Corp | 2025-09-30 | 14 K | Millennium Management Llc | 2025-12-31 | 13.2 K | Lawood & Co | 2025-12-31 | 10.7 K | Trexquant Investment Lp | 2025-12-31 | 10.6 K | Citadel Advisors Llc | 2025-12-31 | 9.3 K | Jpmorgan Chase & Co | 2025-09-30 | 9.2 K | Wayne Hummer Asset Mgmt Company | 2025-12-31 | 9.1 K | Minerva Advisors Llc | 2025-12-31 | 7.9 K | Blackrock Inc | 2025-09-30 | 320.5 K | Vanguard Group Inc | 2025-12-31 | 253.4 K |
Insider Trading Activities
Reviewing insider trades in Citizens Financial Services shows whether management is acting in line with the public story on growth and strategy. The goal is to tell routine pay-related sales apart from trades that reflect genuine conviction.
Outstanding Bonds
Outstanding bonds linked to Citizens Financial Services can tell investors a great deal about how the company finances itself beyond common equity markets. Maturity profile, refinancing windows, and coupon burden can all affect how resilient the capital structure looks in a weaker market.
| CFG 6375 Corp BondUS174610AQ88 | View | |
| US174610AR61 Corp BondUS174610AR61 | View | |
| CFG 6 Corp BondUS174610AP06 | View | |
| US174610AS45 Corp BondUS174610AS45 | View | |
| CITIZENS FINANCIAL GROUP Corp BondUS174610AT28 | View | |
| US174610AW56 Corp BondUS174610AW56 | View | |
| CFG 4 Corp BondUS174610BD66 | View | |
| CFG 5641 21 MAY 37 Corp BondUS174610BE40 | View |
Corporate Filings
F4 | 19th of March 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10K | 12th of March 2026 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
F4 | 6th of March 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 2nd of March 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 18th of February 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 29th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F3 | 27th of January 2026 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 15th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Shares in Circulation | First Issued 1999-06-30 | Previous Quarter 4.8 M | Current Value 4.8 M | Average Shares Outstanding 3.8 M | Quarterly Volatility 367.5 K |
Macro event markers
Holders Distribution
For Citizens Financial Services, institutional participation can be supportive or destabilizing depending on whether large holders are building conviction or reducing exposure. The opportunity for retail investors is not to imitate blindly, but to understand how large-holder positioning may affect liquidity, volatility, and timing.
Market Cap and Value
Workforce Comparison
Citizens Financial Services maintains a third standing in number of employees relative to competitors. The total workforce of Financials industry is currently estimated at about 2,991. Citizens Financial retains roughly 373 in number of employees claiming about 12% of equities under Financials sector.
Profit Margins
The company has Profit Margin (PM) of 33.0 %, which may indicate that the company has good control over its costs. This is above the sector average. Similarly, it shows Operating Margin (OM) of 47.0 %, which signifies that for every $100 of sales, the company has a net operating income of $47.0.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.5 | 0.6332 |
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| Net Profit Margin | 0.18 | 0.2111 |
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| Operating Profit Margin | 0.23 | 0.2603 |
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| Pretax Profit Margin | 0.23 | 0.2603 |
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| Return On Assets | 0.0093 | 0.0119 |
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| Return On Equity | 0.14 | 0.1082 |
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Insider Trading History
Citizens Financial's insider log provides a timeline of management conviction alongside earnings and guidance changes. Pattern analysis matters more than any single trade. The full record tells the real story.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2026-03-01 | 1.0 | 2 | 2 | 688.00 | 60.00 |
| 2025-12-01 | 5.3333 | 16 | 3 | 3,200 | 306.00 |
| 2025-09-01 | 3.0 | 12 | 4 | 999.00 | 3,054 |
| 2025-06-01 | 9.5 | 38 | 4 | 4,857 | 113.00 |
| 2025-03-01 | 15.0 | 15 | 1 | 1,149 | 40.00 |
| 2024-12-01 | 6.0 | 12 | 2 | 969.00 | 471.00 |
| 2024-09-01 | 2.75 | 11 | 4 | 2,457 | 560.00 |
| 2024-06-01 | 38.0 | 38 | 1 | 34,770 | 40.00 |
| 2024-03-01 | 6.0 | 12 | 2 | 1,412 | 40.00 |
| 2023-12-01 | 0.5833 | 7 | 12 | 2,332 | 12,872 |
| 2023-09-01 | 1.2727 | 14 | 11 | 4,436 | 5,648 |
| 2023-06-01 | 5.1667 | 31 | 6 | 11,741 | 560.00 |
| 2023-03-01 | 1.0 | 3 | 3 | 335.00 | 3,479 |
| 2022-12-01 | 1.0 | 1 | 1 | 300.00 | 210.00 |
| 2022-09-01 | 1.25 | 5 | 4 | 778.00 | 80.00 |
| 2022-06-01 | 7.2 | 36 | 5 | 10,967 | 1,590 |
| 2022-03-01 | 0.6667 | 2 | 3 | 1,552 | 59,084 |
| 2021-12-01 | 0.5 | 2 | 4 | 22,294 | 126,946 |
| 2021-09-01 | 0.7143 | 5 | 7 | 648.00 | 37,813 |
| 2021-06-01 | 17.5 | 35 | 2 | 9,373 | 100.00 |
| 2020-12-01 | 2.0 | 2 | 1 | 1,015 | 20.00 |
| 2020-09-01 | 6.5 | 13 | 2 | 5,786 | 95.00 |
| 2020-06-01 | 30.5 | 61 | 2 | 12,122 | 60.00 |
| 2020-03-01 | 1.3333 | 4 | 3 | 53.00 | 400.00 |
| 2019-12-01 | 1.0 | 4 | 4 | 854.00 | 358.00 |
| 2019-06-01 | 77.0 | 77 | 1 | 15,150 | 40.00 |
| 2019-03-01 | 12.0 | 12 | 1 | 2,163 | 250.00 |
| 2018-12-01 | 0.6667 | 4 | 6 | 856.00 | 920.00 |
| 2018-09-01 | 1.0 | 2 | 2 | 400.00 | 120.00 |
| 2018-06-01 | 25.3333 | 76 | 3 | 11,295 | 80.00 |
| 2018-03-01 | 2.3333 | 7 | 3 | 3,841 | 423.00 |
| 2017-12-01 | 2.75 | 11 | 4 | 2,432 | 123.00 |
| 2017-09-01 | 2.5 | 5 | 2 | 1,563 | 40.00 |
| 2017-06-01 | 77.0 | 77 | 1 | 26,941 | 400.00 |
| 2017-03-01 | 9.0 | 9 | 1 | 2,370 | 20.00 |
| 2016-12-01 | 1.3333 | 4 | 3 | 275.00 | 297.00 |
| 2016-09-01 | 0.5 | 1 | 2 | 90.00 | 602.00 |
| 2016-06-01 | 36.0 | 72 | 2 | 13,469 | 200.00 |
| 2016-03-01 | 2.0 | 2 | 1 | 220.00 | 55.00 |
| 2015-12-01 | 7.5 | 15 | 2 | 2,900 | 0.00 |
| 2015-09-01 | 1.0 | 1 | 1 | 110.00 | 428.00 |
| 2015-06-01 | 22.0 | 22 | 1 | 4,521 | 0.00 |
| 2015-03-01 | 1.0 | 1 | 1 | 100.00 | 285.26 |
| 2014-12-01 | 1.5 | 3 | 2 | 1,350 | 80.00 |
| 2014-03-01 | 2.0 | 4 | 2 | 203.00 | 525.00 |
| 2013-09-01 | 0.25 | 1 | 4 | 100.00 | 789.00 |
| 2013-06-01 | 23.5 | 47 | 2 | 20,180 | 930.00 |
| 2012-09-01 | 33.0 | 33 | 1 | 6,285 | 0.00 |
| 2012-06-01 | 18.0 | 36 | 2 | 5,856 | 347.00 |
| 2011-12-01 | 10.0 | 20 | 2 | 2,072 | 305.00 |
| 2011-09-01 | 42.0 | 42 | 1 | 3,777 | 25.00 |
| 2010-12-01 | 20.5 | 41 | 2 | 4,159 | 745.00 |
| 2010-09-01 | 11.0 | 44 | 4 | 3,894 | 1,596 |
| 2009-12-01 | 22.0 | 22 | 1 | 1,382 | 0.00 |
| 2009-09-01 | 40.0 | 40 | 1 | 9,991 | 473.00 |
| 2008-12-01 | 7.0 | 14 | 2 | 1,712 | 500.00 |
| 2008-06-01 | 33.0 | 33 | 1 | 10,558 | 0.00 |
| 2008-03-01 | 3.0 | 3 | 1 | 4,868 | 1,000.00 |
| 2007-09-01 | 34.0 | 34 | 1 | 3,916 | 1,353 |
| 2007-03-01 | 0.3333 | 1 | 3 | 20.00 | 921.00 |
| 2006-12-01 | 8.0 | 8 | 1 | 403.84 | 10.00 |
| 2006-06-01 | 10.0 | 10 | 1 | 1,323 | 0.00 |
| 2005-09-01 | 35.0 | 35 | 1 | 8,868 | 250.00 |
| 2004-09-01 | 33.0 | 33 | 1 | 4,410 | 0.00 |
Notable Stakeholders
Reviewing the stakeholders around Citizens Financial can help investors understand which people or institutions may influence direction, governance, and strategic pressure. This becomes more informative when investors want to understand not just ownership, but influence, incentives, and strategic pressure points.
| Randall Black | CEO and President Director, Member of Governance and Nominating Committee, CEO of First Citizens Community Bank and President of First Citizens Community Bank and Director of First Citizens Community Bank | Profile | |
| Cynthia Pazzaglia | Senior Vice President , Human Resource Manager of the Bank | Profile | |
| Stephen Guillaume | Executive CFO | Profile | |
| Mickey CPA | COO, VP | Profile | |
| Jeffrey Wilson | Chief Lending Officer of First Citizens Community Bank and Sr. VP of First Citizens Community Bank | Profile | |
| Jeffrey Carr | Chief Retail Banking and Sr. VP | Profile | |
| CPA CPA | COO, VP | Profile | |
| Jeffrey White | Chief Officer | Profile | |
| MBA JD | Sr Bank | Profile | |
| Kathleen CFMP | CFMP VP | Profile | |
| Gina Boor | Corporate Secretary | Profile | |
| Marina Smalanaskas | Senior Executive | Profile | |
| Anthony Manerchia | Senior Officer | Profile |
Management Information & Data Sources
Citizens Financial is a micro-cap company in Regional Banks, Banks - Regional, Financial Services. Executive review focuses on insiders, senior management, and employee signals. Employee count and organizational scale can help frame operating leverage and execution complexity. CEO is Randall Black with 373 employees and 13 reported executives.
This section for Citizens Financial Services is built from periodic company reporting and market reference feeds, with harmonization applied to align reporting definitions. Analyst projections are included when active coverage applies. Values may update on different source schedules. Insider and management fields are mapped from published filings and company disclosures.
This content is curated and reviewed by:
Rifka Kats - Member of Macroaxis Editorial BoardWorkforce Efficiency and Productivity
Workforce metrics tied to Citizens Financial Services offer a useful way to test whether headcount and economic output are moving in a productive direction. The stronger interpretation compares these measures with sector norms because labor intensity varies meaningfully across industries.
Citizens Financial Manpower Efficiency
Return on Citizens Financial Manpower
| Revenue Per Employee | 464.5K | |
| Revenue Per Executive | 13.3M | |
| Net Income Per Employee | 98K | |
| Net Income Per Executive | 2.8M |
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