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.
Credit quality ratios buried deep in Citizens Financial Services Inc.’s filings can determine how safely the bank funds Main Street mortgages, agribusiness loans and municipal projects. Yet the 200-page reports and frequent updates leave many investors hunting for capital levels, deposit mix shifts and allowance details.
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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.
Citizens Financial Services, Inc. (CZFS) – Form 4 filing details a routine, non-open-market transaction by insider John D. Behm on 06/27/2025.
The filing reports a 1 % stock dividend (Transaction Code J) that credited Behm with 129.7495 additional common shares at a reference price of $60.42. Following the dividend distribution, Behm’s direct ownership increased to 13,104.6945 CZFS shares. No derivative securities were involved and no shares were sold.
The transaction was executed under a power of attorney granted on 05/25/2023 and is classified as an “Other” relationship to the issuer. There are no indications of insider selling or material changes in control; the action merely reflects the pro-rata share increase resulting from the declared stock dividend.
CZFS Form 4 highlights: Executive Vice President Jeffrey R. White reported the automatic acquisition of 16 common shares of Citizens Financial Services, Inc. on 27 June 2025. The transaction is coded “J,” indicating a stock dividend or similar non-open-market event. The reference price disclosed is $60.42, matching the declaration-date market price used to calculate the 1 % stock dividend. Following this dividend distribution, White’s direct beneficial ownership rose to 1,674 shares. No derivative securities were involved, and there was no cash consideration. While the additional shares marginally increase insider ownership, the scale (≈0.96 % of his holdings) and nature of the dividend suggest minimal market impact.
Citizens Financial Services, Inc. (CZFS) – Form 4 filing
Executive Vice President Jeffrey L. Wilson reported the receipt of 79.4723 shares of CZFS common stock on 06/27/2025. The shares were issued as a 1 % stock dividend based on the declaration-date market price of $60.42 per share (Transaction Code J). Following the dividend, Wilson’s direct beneficial ownership increased to 8,026.7008 shares. No shares were sold and no derivative securities were involved.