Welcome to our dedicated page for Citizens Fincl S SEC filings (Ticker: CZFS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Credit quality ratios buried deep in Citizens Financial Services Inc.’s filings can determine how safely the bank funds Main Street mortgages, agribusiness loans and municipal projects. Yet the 200-page reports and frequent updates leave many investors hunting for capital levels, deposit mix shifts and allowance details.
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Citizens Financial Services (CZFS) reported stronger Q3 2025 results. Net income rose to
Total assets were
Citizens Financial Services Inc. (CZFS) CEO & President and Director Randall E. Black reported an open‑market purchase on a Form 4. On 11/04/2025, he bought 22 common shares at $54.25 (transaction code P).
Following this transaction, his holdings stand at 44,035 shares held directly and 316 shares held indirectly by spouse. The filing indicates a single reporting person.
Citizens Financial Services (CZFS) reported insider purchases by CEO & President, Randall E. Black. On 11/03/2025, he bought 278 shares at $54 and 200 shares at $54.25 in open‑market transactions.
Following these trades, his direct holdings totaled 44,013 shares. He also has indirect beneficial ownership of 316 shares held by spouse. The filing was submitted under a power of attorney signed by Gina Marie Boor.
Citizens Financial Services, Inc. furnished a Third Quarter 2025 investor presentation under Item 7.01 (Regulation FD). The presentation is attached as Exhibit 99.1.
The company states the information is furnished, not filed, is not subject to Section 18 liability, and is not incorporated by reference into other filings unless expressly referenced.
Citizens Financial Services, Inc. furnished a current report under Item 2.02 to announce unaudited consolidated financial results for the third quarter 2025. The company issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Third Quarter 2025 Financial Results.”
The press release is attached as Exhibit 99.1 and dated October 30, 2025. The company states that the information furnished under Item 2.02 of the 8‑K shall not be deemed “filed” for any purpose. CEO Randall E. Black recently announced these results.
CITIZENS FINANCIAL SERVICES INC (CZFS) director R. Joseph Landy reported a small non-derivative sale of 20 common shares on
Form 4 summary: Director R. Joseph Landy reported a transaction in Citizens Financial Services Inc. (CZFS) on 10/02/2025. The filing shows a Code G transaction disposing of 20 common shares with a reported price of $0 (consistent with a gift). After the transaction, Mr. Landy beneficially owned 27,850.1881 shares directly. The form was signed by Gina Marie Boor under a power of attorney dated 08/22/2022.
CITIZENS FINANCIAL SERVICES INC (CZFS) Form 4 summary: Director R. Joseph Landy is reported as the reporting person, with an Athens, PA address. On 09/29/2025 a transaction in the company’s common stock is reported with transaction code G showing 20 shares disposed at a price of $0. Following the reported transaction, the filing lists 27,870.1881 shares beneficially owned, shown as Direct ownership. The Form 4 was signed on behalf of R. Joseph Landy by Gina Marie Boor under a power of attorney dated 08/22/2022.
Mickey L. Jones, a director of Citizens Financial Services Inc. (CZFS), reported a stock award of 46 common shares granted on 09/23/2025 at a reported price of $0. After the award, Mr. Jones beneficially owns 13,822 shares directly. An additional 880 shares are reported as indirectly owned by spouse. The Form 4 was signed under power of attorney by Gina Marie Boor.
CITIZENS FINANCIAL SERVICES INC (CZFS) Form 4 shows Director Rinaldo A. DePaola received a stock award of 94 shares on 09/15/2025 at a reported price of $0. After the award, the filing reports 16,498.199 shares beneficially owned directly and 2,184.574 shares beneficially owned indirectly by spouse. The Form 4 was filed by one reporting person and signed under power of attorney on 09/16/2025.
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