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.
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.
CITIZENS FINANCIAL SERVICES INC (CZFS) Form 4 summary: Director R. Joseph Landy is reported as the reporting person, with an Athens, PA address. On 09/29/2025 a transaction in the company’s common stock is reported with transaction code G showing 20 shares disposed at a price of $0. Following the reported transaction, the filing lists 27,870.1881 shares beneficially owned, shown as Direct ownership. The Form 4 was signed on behalf of R. Joseph Landy by Gina Marie Boor under a power of attorney dated 08/22/2022.
Mickey L. Jones, a director of Citizens Financial Services Inc. (CZFS), reported a stock award of 46 common shares granted on 09/23/2025 at a reported price of $0. After the award, Mr. Jones beneficially owns 13,822 shares directly. An additional 880 shares are reported as indirectly owned by spouse. The Form 4 was signed under power of attorney by Gina Marie Boor.
CITIZENS FINANCIAL SERVICES INC (CZFS) Form 4 shows Director Rinaldo A. DePaola received a stock award of 94 shares on 09/15/2025 at a reported price of $0. After the award, the filing reports 16,498.199 shares beneficially owned directly and 2,184.574 shares beneficially owned indirectly by spouse. The Form 4 was filed by one reporting person and signed under power of attorney on 09/16/2025.
R. Joseph Landy, a director of Citizens Financial Services Inc. (CZFS), received a stock award of 94 common shares on 09/15/2025 at a reported price of $0. Following the award, the filing reports 27,890.1881 shares beneficially owned. The Form 4 was signed on behalf of Mr. Landy by Gina Marie Boor under a power of attorney dated 08/22/2022 and filed 09/16/2025.
Robert W. Chappell, a director of Citizens Financial Services Inc (CZFS), received a stock award of 94 shares on 09/15/2025 at no cash price, increasing his beneficial holdings to 12,404.877 shares (direct ownership). The Form 4 was reported by Gina Marie Boor under a power of attorney on 09/16/2025. The filing records a routine equity award to an insider and shows no cash purchase price for the shares.
Form 4 summary: The director Thomas E. Freeman reported an acquisition of 94 common shares in Citizens Financial Services Inc (CZFS) on 09/15/2025 as a stock award with no cash price recorded ($0). After the award, his beneficial ownership is reported as 12,662.9776 shares. The Form 4 indicates the report was filed by an authorized representative under power of attorney.
Christopher W. Kunes, a director of Citizens Financial Services Inc. (CZFS), reported a non‑derivative acquisition on 09/15/2025. He was granted 94 common shares as a stock award at a reported price of $0. Following the award, Kunes beneficially owned 12,701.1463 shares. The Form 4 was signed under power of attorney by Gina Marie Boor on 09/16/2025.
Janie M. Hilfiger, a director of Citizens Financial Services Inc. (ticker: CZFS), reported a non-derivative acquisition of 94 shares of the company's common stock on 09/15/2025. The transaction is recorded as an “A” (acquisition) with a price listed as $0 and described in the remarks as a stock award. Following the reported transaction the filing shows 3,511.6215 shares beneficially owned. The Form 4 was filed as a single reporting person filing and the signature block shows Gina Marie Boor signing on behalf of Janie M. Hilfiger under a power of attorney dated 02/15/2022, with the signature dated 09/16/2025.
John P. Painter II, a director of Citizens Financial Services Inc. (CZFS), received a 94-share stock award on 09/15/2025, bringing his total beneficial ownership to 2,620.0558 shares. The transaction is recorded as a non-derivative, zero-price award and the Form 4 was signed under power of attorney by Gina Marie Boor on 09/16/2025. The filing discloses no other transactions or derivative positions.
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