Welcome to our dedicated page for CITIZENS FINANCIAL SERVICES 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.
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 (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.
Citizens Financial Services, Inc. (CZFS) filed an amended Form 4 disclosing an insider transaction by director Terry B. Osborne on 26 June 2025. The filing shows Mr. Osborne received 126 additional common shares via a Code J stock dividend, priced for reporting purposes at $60.42 per share. Following the dividend, his direct beneficial ownership stands at 12,983 common shares.
The transaction represents the company’s previously declared 1 % stock dividend; no open-market purchase or sale occurred, and no derivative securities were involved. This routine, non-cash event marginally increases insider ownership without affecting the company’s cash position.
Citizens Financial Services (CZFS) filed a Form 4 reporting that CEO, President and Director Randall E. Black received additional common shares on 06/27/2025 via a 1% stock dividend. The filing shows the acquisition of 429 direct shares and 3 indirect shares (held by his spouse) at an accounting price of $60.42 per share. After the dividend, Mr. Black directly owns 43,535 shares and indirectly controls 316 shares. The transaction was coded “J,” indicating an exempt dividend distribution rather than an open-market trade.
No derivative securities were involved, and there were no dispositions or sales. The disclosure is routine and does not signal any change in Citizens Financial Services’ operations, strategy or financial condition.
Retired director Alletta M. Schadler reported a minor change in ownership of Citizens Financial Services Inc. (CZFS) common stock on 06/27/2025.
The Form 4 shows the acquisition of 298 shares at a reference price of $60.42 through a 1% stock dividend (transaction code “J”). This non-cash event increased her direct holdings to 30,139 shares. No derivative securities were involved and no shares were sold.
The transaction is routine, reflects standard dividend issuance, and does not signal any shift in insider sentiment or corporate strategy.
Citizens Financial Services (CZFS) filed a Form 4 reporting that Executive Vice President Stephen J. Guillaume received 44.5905 common shares on 06/27/2025 through a 1% stock dividend (transaction code J). The implied price was $60.42 per share, bringing his direct beneficial ownership to 4,503.6378 shares. No open-market purchase, sale or derivative activity was disclosed.
The filing represents a routine dividend adjustment rather than an active trade and does not alter the insider’s reporting status or introduce new strategic information.
Citizens Financial Services (CZFS) director Janie M. Hilfiger reported a Form 4 filing on June 27, 2025, disclosing the acquisition of 31.8302 shares of common stock at $60.42 per share through a 1% stock dividend. Following this transaction, Hilfiger's direct ownership increased to 3,396.8537 shares.
Key details of the transaction:
- Transaction Code: J (Other)
- Nature: 1% stock dividend based on declaration date market price
- Ownership: Direct
- Filing was submitted by Gina Marie Boor under power of attorney dated 02/15/2022
This routine transaction represents a standard stock dividend distribution to shareholders, with no market purchases or sales involved. The filing indicates continued insider ownership alignment with shareholder interests.
Citizens Financial Services (CZFS) filed a routine Form 4 reporting that Director John P. Painter II received a 1% stock dividend on 27 June 2025. The dividend added 23.8553 common shares at an implied price of $60.42 per share, increasing his direct ownership to 2,517.6533 shares. The transaction was coded “J,” indicating an exempt acquisition, and no derivative securities or open-market trades were involved.
No changes to company operations, strategy, or financial condition were disclosed, making the filing largely administrative with minimal impact on public shareholders.
Citizens Financial Services (CZFS) filed a routine Form 4 reporting a small insider transaction. Executive Vice President LeeAnn Gephart received 6 additional common shares on 06/27/2025 through a 1 % stock dividend valued at $60.42 per share. Her direct ownership increased from an estimated 728 to 734 shares after the dividend distribution.