Citizens Financial Services, Inc. filings document the public disclosures of a Pennsylvania banking company whose common stock trades on the Nasdaq Capital Market under CZFS. Its Form 8-K reports furnish unaudited results of operations and financial condition, investor presentations, Regulation FD materials, dividend and capital commentary, and other material corporate events tied to First Citizens Community Bank.
The company’s proxy and event filings also cover shareholder meeting matters, executive compensation, equity-based compensation plans, director and officer governance, and capital actions such as share repurchase authorization. These records describe the company’s bank holding-company structure, common stock, consolidated operating disclosures, and formal governance approvals.
Citizens Financial Services, Inc. (CZFS) reported unaudited net income of $32.484 million for the nine months ended September 30, 2026, up 24.5% from $26.089 million a year earlier. Third-quarter net income was $11.921 million, up 19.2% from $10.005 million. Net interest income before the provision for credit losses rose 10.1% to $79.064 million for the nine months; the provision was $1.000 million versus $1.875 million a year earlier, and there was no provision in the third quarter.
At September 30, 2026, non-performing assets totaled $51.544 million, or 2.16% of loans, compared with $22.994 million and 1.03% a year earlier. The company attributed approximately $21.4 million of non-accrual loans to ten commercial real estate relationships and one construction real estate relationship that became more than 90 days past due during the first nine months. Loans grew $152.8 million, or 6.8%, since September 30, 2025. The board declared a quarterly cash dividend of $0.51 per share, up 2.0% from a year earlier; it was paid September 25, 2026.
CITIZENS FINANCIAL SERVICES INC (CZFS) director Joseph R. Landy reported a bona fide gift of 40 shares of common stock on September 22, 2026. The gift carried a reported per-share price of $0.00. After this transaction, he reports 28,051.4652 shares held by direct ownership.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. LANDY R JOSEPH reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Joseph R. Landy received a grant of 70 shares of common stock on September 15, 2026 under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan. The award was made at a stated price of $0.00 per share, increasing his direct holdings to 28,091.4652 shares. No Rule 10b5-1 trading plan is reported for this award.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. DePaola Rinaldo A reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Rinaldo A. DePaola received a grant of 70 shares of Common Class stock on September 15, 2026, as a stock award under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, at a reported price of $0.00 per share.
After this grant, DePaola directly holds 16,851.199 Common Class shares, and an additional 2,184.574 shares are held indirectly by a spouse. No transactions were reported under a Rule 10b5-1 trading plan.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. Hilfiger Janie M reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Janie M. Hilfiger received a grant of 70 shares of common stock on September 15, 2026. The stock award was granted at $0.00 per share under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, bringing her directly held stake to 3,959.4972 shares.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. Painter John P II reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director John P. Painter II received a stock award of 70 shares of its common stock on September 15, 2026 under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan. The award increased his directly held stake to 3,990.7975 shares.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. Behm John D reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director John D. Behm received a grant of 70 shares of its common stock on September 15, 2026 as a stock award under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan. The award was granted at $0.00 per share and is held as direct ownership, bringing his directly held position to 13,203.6945 shares. No Rule 10b5-1 trading plan is reported for this award.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. BOWER JOSEPH B JR reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Joseph B. Bower Jr. received a grant of 70 shares of its common stock on September 15, 2026. The stock award was granted at $0.00 per share under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, bringing his direct holdings to 2,091.7062 shares.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. Freeman Thomas E. reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Thomas E. Freeman received a grant of 70 shares of common stock on September 15, 2026 as a stock award under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan. Following this award, he holds 13,423.3803 shares of common stock directly. No transactions were reported as made under a Rule 10b5-1 trading plan.
CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. KUNES CHRISTOPHER W reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Christopher W. Kunes received a grant of 70 shares of its COMMON CLASS stock on September 15, 2026, as a stock award under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan. The award was recorded at a price of $0.00 per share and is held directly, bringing his reported direct holdings to 13,248.4757 shares.