CITIZENS FIRST BANCORP INC

CITIZENS FIRST BANCORP INC insiders are currently net sellers of CTZN stock, showing neutral sentiment over the past 90 days. Total sales of $463.9K outpace purchases of $367.3K, creating a net outflow of $96.6K.

CITIZENS FIRST BANCORP INC has 15 active insiders who have filed SEC Form 4 transactions in the past 90 days. Marshall J. Campbell (Executive) leads with 20 transactions totaling $606.8K. Christopher A. Kellerman (Executive) follows with 9 transactions worth $474.4K. Open-market purchases require insiders to invest their own capital, demonstrating genuine conviction.

The Insider Alignment Score measures the ratio of buying to selling activity on a 0-100 scale. CITIZENS FIRST BANCORP INC's current score of 44/100 indicates neutral insider sentiment. Scores between 40-60 represent neutral or mixed activity. With $367.3K in purchases and $463.9K in sales, no strong directional conviction is evident.

The most recent insider transaction occurred on Sep 30, 2009, when U. Whipple Janice (Executive) disposed of 45,815.92 shares at $0.00 per share for $0. This appears to be a discretionary trade.

Based on SEC Form 4 filings from the past 90 days, CTZN insider trading sentiment is currently neutral with an Alignment Score of 44/100. The balanced activity—$367.3K bought vs $463.9K sold—suggests no strong consensus among insiders.

SEC Form 4 is the primary disclosure mechanism for insider trading at publicly traded companies like CITIZENS FIRST BANCORP INC. Corporate insiders must file within two business days of any transaction, making it one of the most timely sources of executive sentiment. At CTZN, we track all Form 4 filings—currently showing 102 transactions from 15 insiders over 90 days.

A 10b5-1 plan allows CITIZENS FIRST BANCORP INC executives to pre-schedule stock sales when they don't possess material non-public information. At CTZN, approximately 0% of recent transactions are 10b5-1 trades. Most trading activity at CTZN appears discretionary, making insider signals more meaningful.

You can monitor CITIZENS FIRST BANCORP INC (CTZN) insider trading activity on this page, which updates within hours of new SEC Form 4 filings. We track all 15 active insiders and provide real-time transaction feeds, the Alignment Score, 10b5-1 vs. discretionary breakdowns, and direct links to SEC EDGAR filings.

Our Alignment Score measures the ratio of insider buying to selling on a scale of 0-100. A score above 70 indicates strong bullish sentiment, while below 30 suggests bearish activity. CITIZENS FIRST BANCORP INC's current score of 44/100 indicates neutral sentiment with balanced buying and selling activity. This is calculated from $367.3K in purchases versus $463.9K in sales over 90 days, resulting in a net flow of -$96.6K.

SEC Form 4 filings are mandatory reports that CITIZENS FIRST BANCORP INC insiders must submit within 2 business days. Each filing includes the insider's name, relationship, transaction type, shares, and price. Transaction codes: P (purchase), S (sale), A (award), M (option exercise), G (gift). At CTZN, the most common type is "P" with 27 occurrences. The most recent Form 4 was filed on Sep 30, 2009 by U. Whipple Janice.

Rule 10b5-1 allows corporate insiders to establish pre-scheduled trading plans when they don't possess material non-public information. At CITIZENS FIRST BANCORP INC, approximately 0% of recent transactions are executed under 10b5-1 plans, while 100% appear to be discretionary trades. The low percentage means most insider activity at CTZN represents discretionary decisions with more informational value.