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 (CZFS) director Terry B. Osborne received a stock award of 94 common shares on 09/15/2025 at a reported price of $0, leaving him with 13,077 shares beneficially owned after the transaction. The Form 4 was filed individually and signed by an attorney-in-fact on 09/16/2025.
Roger C. Graham Jr., a director of Citizens Financial Services Inc. (CZFS), received a stock award of 94 common shares on 09/15/2025 with an indicated price of $0. After the award, the reporting person beneficially owned 67,447.2748 shares. The Form 4 was filed as a single reporting person filing and signed under power of attorney by Gina Marie Boor dated 08/22/2002.
Mickey L. Jones, a director of Citizens Financial Services Inc. (CZFS), received a stock award of 94 shares on 09/15/2025 at $0 per share, reported on a Form 4 dated 09/16/2025. After the award, Mr. Jones is reported to beneficially own 13,776 shares directly and 880 shares indirectly through his spouse. The Form 4 was signed on behalf of Mr. Jones by Gina Marie Boor under a power of attorney dated 07/12/2004. The filing identifies the transaction as a non-derivative stock award rather than an open-market purchase.
Citizens Financial Services (CZFS) insider filing: Senior Vice President Stephen J. Guillaume reported a sale of 4,523.8348 common shares on 08/31/2025 at a reported price of $56.96 per share. The Form 4 was signed under power of attorney by Gina Marie Boor on 09/02/2025. The filing lists the reporter's address in Liberty, PA and indicates the report was filed by one reporting person.
Thomas E. Freeman, a director of Citizens Financial Services, Inc. (CZFS), reported a sale of common stock on 08/22/2025. The filing shows 3,000 shares were disposed of at a price of $60 per share, leaving 12,568.9776 shares beneficially owned and reported as direct ownership. The Form 4 was submitted under power of attorney by Gina Marie Boor.
CZFS Form 4 filing (08/04/25): Director R. Joseph Landy reported a Code G gift of 20 Citizens Financial Services common shares at $0.00. Following the transaction, Landy directly owns 27,796.1881 shares. The transfer trims his stake by ~0.07%, a de-minimis change that neither affects board influence nor the public float. No derivative securities were involved and no additional transactions were disclosed.
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