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.
The Citizens Financial Services, Inc. (NASDAQ: CZFS) SEC filings page provides access to the company’s regulatory disclosures as a Pennsylvania-chartered bank holding company and parent of First Citizens Community Bank. These documents include annual and quarterly reports, current reports on Form 8-K and other submissions filed under the Securities Exchange Act of 1934.
In its SEC filings, Citizens Financial Services, Inc. reports detailed information on net interest income, provision for credit losses, non-interest income and expenses, and key performance ratios such as return on average equity, return on average assets and net interest margin. Filings also describe the composition of loans, deposits, and available-for-sale securities, as well as the level of non-performing assets and the allowance for credit losses.
Current reports on Form 8-K for CZFS include items such as earnings releases, investor presentations furnished under Regulation FD, and information about the annual meeting of shareholders. For example, an 8-K dated December 16, 2025 announces the date of the 2026 annual meeting, while other 8-Ks furnish investor presentations and attach press releases detailing unaudited quarterly financial results.
On Stock Titan, these SEC filings are paired with AI-powered summaries that highlight the most important points from lengthy reports, helping readers quickly understand changes in credit quality, capital, funding and profitability. Real-time updates from the EDGAR system ensure that new Forms 10-K, 10-Q and 8-K, as well as exhibits like investor decks, appear promptly. Users can also review filings that discuss topics such as the acquisition of HV Bancorp, Inc., the sale of Braavo-related assets, and trends in non-performing loans and charge-offs, all within an interface designed to make complex banking disclosures easier to interpret.
Citizens Financial Services Inc senior vice president Stephen J. Guillaume bought 13 shares of the company’s common stock in an open-market purchase at $57.06 per share. After this transaction, he directly owns a total of 4,655.5903 shares of Citizens Financial Services Inc common stock.
Citizens Financial Services, Inc. has authorized a stock repurchase program allowing it to buy back up to 200,000 outstanding common shares for a total purchase price not exceeding
The company may repurchase shares through open market purchases, privately negotiated deals or block trades in line with Rule 10b-18. Management plans to fund any buybacks with cash on hand, but the timing and amount of repurchases will depend on share price and overall business and market conditions.
Citizens Financial Services, Inc. filed a Form 8-K to share an investor presentation under Regulation FD. The company plans to use this fourth quarter 2025 investor presentation in one or more meetings with investors, and has furnished it as Exhibit 99.1.
The materials are provided for informational purposes only and are expressly stated not to be deemed “filed” under the Securities Exchange Act or incorporated into other securities filings unless specifically referenced. No new transactions or detailed financial results are described in this report itself.
Citizens Financial Services, Inc. filed a Form 8-K to furnish its unaudited financial results for the fourth quarter and full year 2025. The results were announced by CEO Randall E. Black and are presented in a press release titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2025 Financial Results.”
The press release is included as Exhibit 99.1 and incorporated by reference, while the information furnished under Item 2.02 is expressly not deemed “filed” for purposes of the securities laws. The report is signed on behalf of the company by Chief Financial Officer Stephen J. Guillaume.
Citizens Financial Services Inc director reports initial share holdings. Director Joseph B. Bower Jr. filed a Form 3 showing beneficial ownership of 1,834 shares of COMMON CLASS stock, held directly. This filing serves as his initial ownership statement as an insider of the company.
Citizens Financial Services, Inc., parent of First Citizens Community Bank, reported a board change. On January 12, 2026, the Board appointed Joseph B. Bower, Jr. to the Company’s Board of Directors, and he was also appointed to the Bank’s Board of Directors.
Mr. Bower will serve on the Board’s Audit and Examination Committee, which oversees financial reporting and internal controls. He will be compensated as a non-employee director under the Company’s existing director compensation policies described in the 2025 definitive proxy statement.
The Company stated that there are no special arrangements or understandings with any person related to his selection as director and that there are no past or proposed transactions with Mr. Bower requiring related-party disclosure under Item 404(a) of Regulation S-K.
Citizens Financial Services Inc. director R. Joseph Landy reported a small change in his holdings of the company’s common stock. On 01/12/2026, a code G transaction in the Form 4 shows 40 shares of common stock were transferred at a stated price of $0 per share. Following this transaction, Landy directly beneficially owned 27,783.3892 shares of Citizens Financial Services Inc. common stock. The filing indicates the form was submitted for one reporting person and does not show any derivative securities activity.
Citizens Financial Services, Inc. has scheduled its 2026 annual meeting of shareholders for Tuesday, April 21, 2026. This is the yearly gathering where shareholders can vote on directors, executive compensation, and other corporate matters presented in the proxy materials. The common stock of the company trades on the NASDAQ Capital Market under the symbol CZFS.
Citizens Financial Services Inc reported that director R. Joseph Landy received a stock award of 96 shares of common stock on December 15, 2025. The award was granted at a price of $0 per share, indicating a compensatory grant rather than an open-market purchase. Following this transaction, he beneficially owns 27,823.3892 shares of the company’s common stock, held directly.
Citizens Financial Services Inc reported an insider stock award to one of its directors. On 12/15/2025, the director acquired 96 shares of COMMON CLASS stock, coded as an acquisition and described as a "STOCK AWARD", at a price of $0 per share.
After this transaction, the director beneficially owns 16,594.199 COMMON CLASS shares directly and 2,184.574 shares indirectly through a spouse. The filing lists no derivative securities transactions in the derivative securities table.