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.
The Citizens Financial Services, Inc. (NASDAQ: CZFS) SEC filings page provides access to the company’s regulatory disclosures as a Pennsylvania-chartered bank holding company and parent of First Citizens Community Bank. These documents include annual and quarterly reports, current reports on Form 8-K and other submissions filed under the Securities Exchange Act of 1934.
In its SEC filings, Citizens Financial Services, Inc. reports detailed information on net interest income, provision for credit losses, non-interest income and expenses, and key performance ratios such as return on average equity, return on average assets and net interest margin. Filings also describe the composition of loans, deposits, and available-for-sale securities, as well as the level of non-performing assets and the allowance for credit losses.
Current reports on Form 8-K for CZFS include items such as earnings releases, investor presentations furnished under Regulation FD, and information about the annual meeting of shareholders. For example, an 8-K dated December 16, 2025 announces the date of the 2026 annual meeting, while other 8-Ks furnish investor presentations and attach press releases detailing unaudited quarterly financial results.
On Stock Titan, these SEC filings are paired with AI-powered summaries that highlight the most important points from lengthy reports, helping readers quickly understand changes in credit quality, capital, funding and profitability. Real-time updates from the EDGAR system ensure that new Forms 10-K, 10-Q and 8-K, as well as exhibits like investor decks, appear promptly. Users can also review filings that discuss topics such as the acquisition of HV Bancorp, Inc., the sale of Braavo-related assets, and trends in non-performing loans and charge-offs, all within an interface designed to make complex banking disclosures easier to interpret.
Citizens Financial Services Inc. director Mickey L. Jones received a stock award of 96 shares of COMMON CLASS stock on 12/15/2025 at a price of $0 per share, reported as an acquisition.
After this transaction, Jones beneficially owns 13,918 shares directly and 880 shares indirectly through a spouse. The report is filed by one reporting person and is signed by Gina Marie Boor for Mickey L. Jones under a power of attorney dated 07/12/2004.
An insider of Citizens Financial Services Inc. who serves as a director acquired 96 shares of common stock on 12/15/2025 through a stock award. The shares were granted at a price of $0 and increased the director's directly held beneficial ownership to 68,097.6228 shares.
Citizens Financial Services director reported a disposition of 266 shares of common stock on 12/05/2025, with transaction code G and a per-share transaction price of $0.
After this transaction, the director directly beneficially owns 27,727.3892 shares of Citizens Financial Services common stock. The report was signed by Gina Marie Boor for R. Joseph Landy under a power of attorney dated 08/22/2022.
Citizens Financial Services (CZFS) reported stronger Q3 2025 results. Net income rose to
Total assets were
Citizens Financial Services Inc. (CZFS) CEO & President and Director Randall E. Black reported an open‑market purchase on a Form 4. On 11/04/2025, he bought 22 common shares at $54.25 (transaction code P).
Following this transaction, his holdings stand at 44,035 shares held directly and 316 shares held indirectly by spouse. The filing indicates a single reporting person.
Citizens Financial Services (CZFS) reported insider purchases by CEO & President, Randall E. Black. On 11/03/2025, he bought 278 shares at $54 and 200 shares at $54.25 in open‑market transactions.
Following these trades, his direct holdings totaled 44,013 shares. He also has indirect beneficial ownership of 316 shares held by spouse. The filing was submitted under a power of attorney signed by Gina Marie Boor.
Citizens Financial Services, Inc. furnished a Third Quarter 2025 investor presentation under Item 7.01 (Regulation FD). The presentation is attached as Exhibit 99.1.
The company states the information is furnished, not filed, is not subject to Section 18 liability, and is not incorporated by reference into other filings unless expressly referenced.
Citizens Financial Services, Inc. furnished a current report under Item 2.02 to announce unaudited consolidated financial results for the third quarter 2025. The company issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Third Quarter 2025 Financial Results.”
The press release is attached as Exhibit 99.1 and dated October 30, 2025. The company states that the information furnished under Item 2.02 of the 8‑K shall not be deemed “filed” for any purpose. CEO Randall E. Black recently announced these results.
CITIZENS FINANCIAL SERVICES INC (CZFS) director R. Joseph Landy reported a small non-derivative sale of 20 common shares on
Form 4 summary: Director R. Joseph Landy reported a transaction in Citizens Financial Services Inc. (CZFS) on 10/02/2025. The filing shows a Code G transaction disposing of 20 common shares with a reported price of $0 (consistent with a gift). After the transaction, Mr. Landy beneficially owned 27,850.1881 shares directly. The form was signed by Gina Marie Boor under a power of attorney dated 08/22/2022.
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