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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Whether you’re stress-testing rate sensitivity or understanding Citizens Financial Services SEC documents with AI, every filing type is posted seconds after EDGAR release. From dividend declarations to covenant changes, Citizens Financial Services SEC filings explained simply are now one click away, giving you the clarity needed to make confident decisions.
Thomas E. Freeman, a director of Citizens Financial Services, Inc. (CZFS), reported a sale of common stock on 08/22/2025. The filing shows 3,000 shares were disposed of at a price of $60 per share, leaving 12,568.9776 shares beneficially owned and reported as direct ownership. The Form 4 was submitted under power of attorney by Gina Marie Boor.
CZFS Form 4 filing (08/04/25): Director R. Joseph Landy reported a Code G gift of 20 Citizens Financial Services common shares at $0.00. Following the transaction, Landy directly owns 27,796.1881 shares. The transfer trims his stake by ~0.07%, a de-minimis change that neither affects board influence nor the public float. No derivative securities were involved and no additional transactions were disclosed.
Citizens Financial Services (CZFS) filed a Form 4 reporting that director R. Joseph Landy acquired 270.3221 shares of common stock on 06/27/2025. The transaction, coded “J,” reflects shares automatically issued through a 1 % stock dividend based on the declaration-date market price of $60.42, giving the issuance an implied value of roughly $16 K. Following the dividend, Landy’s direct holdings rise to 27,685.7745 shares.
The filing shows no sales, derivative exercises or 10b5-1 plan adoptions, and ownership remains entirely direct. Because the shares were received under a dividend rather than purchased on the open market, the disclosure is routine and carries minimal insight into insider sentiment or the company’s fundamentals.
CITIZENS FINANCIAL SERVICES, INC. (CZFS) – Form 4 insider update
Retired director E. Gene Kosa reported a routine, non-open-market acquisition stemming from the company’s 1% stock dividend declared at a reference price of $60.42 per share. On 06/27/2025, Kosa received 68.9758 new common shares (Transaction Code J), lifting his direct ownership to 6,978.5578 shares. An additional 22 shares remain held indirectly through his spouse; no change was recorded for that position.
No sales, options, or other derivative transactions were disclosed. Because the event is a proportional dividend distributed to all shareholders, it neither signals insider sentiment nor alters the company’s capital structure in a way that is likely to affect valuation.
Citizens Financial Services (CZFS) filed a Form 4 detailing a routine change in insider ownership. On 27 June 2025, director Robert W. Chappell received a 1% stock dividend credited as 120.1785 additional common shares at a reference price of $60.42. Following the dividend, his direct beneficial ownership increased to 12,230.0331 shares.
The transaction is coded “J” (other acquisition), reflects no cash exchange, involves no derivative securities, and does not alter Chappell’s board position. No other material events, financial metrics, or strategic disclosures are included in the filing.
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