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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Whether you’re stress-testing rate sensitivity or understanding Citizens Financial Services SEC documents with AI, every filing type is posted seconds after EDGAR release. From dividend declarations to covenant changes, Citizens Financial Services SEC filings explained simply are now one click away, giving you the clarity needed to make confident decisions.
Citizens Financial Services (CZFS) filed a Form 4 disclosing that director Thomas E. Freeman received 152.072 additional common shares on 27 June 2025.
The shares were credited through a 1% stock dividend (transaction code “J”), valued at $60.42 per share—the declaration-date market price—representing roughly $9,200 in aggregate value. After the transaction, Freeman’s direct beneficial ownership increased to 15,451.2675 shares. No shares were sold, and no derivative positions were reported.
The filing records a routine adjustment to insider holdings stemming from the dividend and does not signal any operational, strategic, or governance change at the company.
Citizens Financial Services (CZFS) filed a Form 4 disclosing that director Christopher W. Kunes automatically acquired 123.3049 common shares on 06/27/2025.
The shares were issued through the company’s 1 % stock dividend, using a declaration-date market price of $60.42. After the dividend, Kunes now beneficially owns 12,562.7899 shares.
This filing records a routine, dividend-related adjustment rather than an open-market purchase or sale, and does not materially change insider ownership levels.
Citizens Financial Services (CZFS) filed a routine Form 4 disclosing a 1 % stock dividend credited on 06/27/2025 to director Rinaldo A. DePaola. The transaction added 159 common shares to his direct holdings and 20 shares to an account held indirectly through his spouse, both valued at the declaration-date market price of $60.42 per share.
After the distribution, DePaola’s ownership stands at 16,404.199 shares held directly and 2,184.574 shares held indirectly. No sales, open-market purchases, or derivative securities were reported, and the filing contains no additional financial or strategic disclosures.
Citizens Financial Services (NASDAQ:CZFS) filed a Form 4 that records a routine change in insider ownership tied to the company’s recently declared 1 % stock dividend.
On 06/27/2025 Director Mickey L. Jones received 134 common shares directly and 8 shares indirectly through his spouse, all coded “J” (other) at an imputed price of $60.42 per share. Following the transaction, Jones now beneficially owns 13,682 direct and 880 indirect shares. The newly issued shares are valued at roughly $8.6 thousand, representing about 1 % of his prior direct holdings.
No open-market purchases, sales, derivative positions, or changes to executive roles were disclosed. The filing appears administrative, reflecting the proportional increase from the stock dividend rather than an active trading decision, and carries no evident implications for Citizens Financial’s financial condition or strategy.
Citizens Financial Services (CZFS) filed a Form 4 disclosing that director Roger C. Graham Jr. received 660.8883 common shares on 06/27/2025 under transaction code J, which the filing explains was a 1% stock dividend based on a declaration-date market price of $60.42 per share.
The dividend increased Graham’s direct ownership to 66,841.7194 shares. No derivative securities were reported and no open-market cash transactions occurred. Because the additional shares represent roughly 1% of the insider’s existing stake and have an indicative value of about $40 thousand, the disclosure is considered routine and carries no immediate strategic or financial implications for the company.
Citizens Financial Services (CZFS) filed a Form 4 disclosing director Terry B. Osborne’s receipt of 126 common shares on 27 June 2025 through a 1% stock dividend valued at $60.42 per share.
Following the distribution, Osborne’s direct ownership increased to 12,891 shares. The transaction, coded J, reflects an automatic dividend allocation rather than an open-market trade. No derivative activity or additional transactions were reported.
Citizens Financial Services (CZFS) submitted a Form 4 on 28 June 2025 documenting a routine insider transaction. Executive Vice President and Director David Z. Richards Jr. received a 1 % stock dividend on 27 June 2025, acquiring approximately 14.82 additional common shares at a reference price of $60.42 per share. His direct ownership rose from roughly 1,481.88 to 1,496.699 shares.
The transaction was coded “J,” indicating an exempt dividend distribution rather than an open-market trade, and no derivative securities or 10b5-1 trading plans were reported. Given the small dollar value (well below $1 million) and dividend-driven nature, the filing does not signal any material change in insider sentiment or company fundamentals.
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