Citizens Financial (NASDAQ: CZFS) releases unaudited 2025 results

Rhea-AI Filing Summary

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.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): December 31, 2025

CITIZENS FINANCIAL SERVICES INC

(Exact name of registrant as specified in its charter)

Pennsylvania		001-41410		23-2265045
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

15 S MAIN ST MANSFIELD, Pennsylvania		16933
(Address of principal executive offices)		(Zip code)

Registrant's telephone number, including area code (570) 662-0444

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, Par Value $1.00 Per Share	CZFS	NASDAQ Capital Market

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

Randall E. Black, Chief Executive Officer, recently announced the unaudited consolidated financial results for Citizens Financial Services, Inc. and susbisidaries for the fourth quarter 2025.

On January 29, 2026, Citizens Financial Services, Inc. issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2025 Financial Results”, attached as Exhibit 99.1 to the Current Report on Form 8-K and incorporated herein by reference.  The information furnished under Item 2.02 of the Current Report on an 8-K shall not be deemed “filed” for any purpose.

Item 9.01.      Financial Statements and Exhibits.



(d)  Exhibits


Exhibit No.		Description of Exhibit
99.1		Press release issued by Citizens Financial Services, Inc. on January 29, 2026, titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2025 Financial Results”.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	CITIZENS FIANCIAL SERVICES, INC.
Date:  January 29, 2026	By:	/s/ Stephen J. Guillaume
		Stephen J. Guillaume
		Chief Financial Officer

FAQ

What did Citizens Financial Services (CZFS) disclose in this Form 8-K?

Citizens Financial Services filed a Form 8-K to furnish its unaudited fourth quarter and full year 2025 financial results. These results are contained in a press release attached as Exhibit 99.1 and are incorporated by reference into the report.

Which period’s results does Citizens Financial Services (CZFS) cover in this filing?

The filing covers unaudited consolidated financial results for the fourth quarter 2025 and the full year 2025. These results are summarized in the press release titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2025 Financial Results.”

How are the Citizens Financial Services (CZFS) results presented in the 8-K?

The results are presented through a press release attached as Exhibit 99.1. The Form 8-K states that the press release is incorporated by reference, providing investors with the company’s unaudited full year and fourth quarter 2025 financial information.

Is the Citizens Financial Services (CZFS) earnings information considered "filed" with the SEC?

No. The Form 8-K specifies that the information furnished under Item 2.02 shall not be deemed “filed” for any purpose. It is furnished to the SEC, which generally limits certain legal liabilities compared with information formally filed.

Who signed the Citizens Financial Services (CZFS) Form 8-K for the 2025 results?

The Form 8-K was signed on behalf of Citizens Financial Services, Inc. by Stephen J. Guillaume. He is identified in the document as the company’s Chief Financial Officer, acting as the duly authorized officer for this report.

What exhibit accompanies the Citizens Financial Services (CZFS) 8-K earnings release?

The filing includes Exhibit 99.1, a press release dated January 29, 2026, titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2025 Financial Results.” It provides the detailed financial information referenced in the 8-K.