Citizens Financial shares Q4 2025 investor deck

Citizens Financial Services, Inc. filed a Form 8-K to share an investor presentation under Regulation FD.

Rhea-AI Filing Summary

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.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

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

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

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

Citizens Financial Services disclosed that it is furnishing a fourth quarter 2025 investor presentation as Exhibit 99.1. The company plans to use these materials in one or more investor meetings, providing an overview of its business and recent period for interested stakeholders.

How will Citizens Financial Services (CZFS) use the fourth quarter 2025 investor presentation?

The company intends to use the fourth quarter 2025 investor presentation in one or more meetings with investors. By furnishing the slide deck, Citizens Financial Services makes the same materials broadly available, supporting fair disclosure and consistent information access under Regulation FD.

Is the Citizens Financial Services (CZFS) investor presentation considered filed with the SEC?

The company states that the information in Item 7.01, including Exhibit 99.1, is furnished, not filed, under the Exchange Act. This means it is not subject to Section 18 liability and is only incorporated into other filings if specifically referenced there.

What exhibits are included with this Citizens Financial Services (CZFS) 8-K?

The Form 8-K includes Exhibit 99.1, a fourth quarter 2025 investor presentation, and Exhibit 104, the cover page interactive data file in Inline XBRL format. These exhibits accompany the current report to provide presentation materials and required structured data.

Which SEC item does Citizens Financial Services (CZFS) use for this investor presentation?

The company uses Item 7.01, Regulation FD Disclosure, to furnish the investor presentation. This item is specifically designed for informational materials shared with investors, helping ensure broad, non-selective disclosure of the content used in investor meetings.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/29/2026 - 04:10 PM Learn about SEC filing dates

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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): January 29, 2026

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 7.01. Regulation FD Disclosure.

Citizens Financial Services, Inc. (the “Company”) intends to use the materials furnished herewith in one or more meetings with investors.  A copy of the investor presentation is furnished hereto as Exhibit 99.1 and is hereby incorporated by reference herein.

The information contained in this Item 7.01, including Exhibit 99.1 attached hereto, shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such section, nor shall such information or exhibit be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number		Description
99.1		Fourth Quarter 2025 Investor Presentation
104		Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

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