Citizens Financial Services, Inc. filings document the public disclosures of a Pennsylvania banking company whose common stock trades on the Nasdaq Capital Market under CZFS. Its Form 8-K reports furnish unaudited results of operations and financial condition, investor presentations, Regulation FD materials, dividend and capital commentary, and other material corporate events tied to First Citizens Community Bank.
The company’s proxy and event filings also cover shareholder meeting matters, executive compensation, equity-based compensation plans, director and officer governance, and capital actions such as share repurchase authorization. These records describe the company’s bank holding-company structure, common stock, consolidated operating disclosures, and formal governance approvals.
CITIZENS FINANCIAL SERVICES INC director Joseph B. Bower Jr. received a stock award. On April 30, 2026, he acquired 99 shares of COMMON CLASS stock as a grant, award, or other acquisition, at a reported price of $0.00 per share. After this award, he directly holds 1,933 COMMON CLASS shares in total.
Citizens Financial Services Inc director Robert W. Chappell received a grant of 99 shares of COMMON CLASS stock on April 30, 2026. The grant was recorded at a price of $0.0000 per share, indicating a non-market, award-type acquisition. Following this transaction, his direct ownership increased to 12,867.5964 shares of the company’s common stock.
Freeman Thomas E. reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC director Thomas E. Freeman received a grant of 99 shares of COMMON CLASS stock, recorded at a price of $0.00 per share. This is a compensation-related award rather than a market purchase. After this grant, he directly holds a total of 13,171.4302 shares.
KUNES CHRISTOPHER W reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC director Christopher W. Kunes received a grant of 99 shares of COMMON CLASS stock at a reported price of $0.00 per share. After this award, he directly holds a total of 13,045.0957 shares, indicating a modest increase in his equity position.
Citizens Financial Services Inc. director R. Joseph Landy received a stock grant of 99 COMMON CLASS shares as compensation. The shares were awarded on April 30, 2026 at a stated price of $0.00 per share, indicating a non-cash, compensation-related acquisition rather than an open-market purchase.
After this grant, Landy directly owns a total of 28,033.4652 COMMON CLASS shares. The filing does not show any sales or option exercises, so this Form 4 reflects a routine increase in his direct equity stake through a grant or award.
CITIZENS FINANCIAL SERVICES INC director Rinaldo A. DePaola reported an equity award in company stock. On April 30, 2026, DePaola received 99 shares of COMMON CLASS at a stated price of $0.0000 per share, described as a grant, award, or other acquisition rather than an open-market purchase.
After this award, DePaola directly holds 16,693.1990 shares of CITIZENS FINANCIAL SERVICES INC common stock and has an additional 2,184.5740 shares reported as indirectly owned by spouse. The filing reflects routine compensation-related stock ownership reporting, not a market trade.
Citizens Financial Services Inc. director Terry B. Osborne received a grant of 99 shares of common stock at no cost. This award increased Osborne’s directly held stake to 13,272 shares, reflecting a routine, compensation-related share acquisition rather than an open-market purchase.
JONES MICKEY L reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL SERVICES INC director Mickey L. Jones reported a stock grant on Form 4. Jones received 99 shares of COMMON CLASS stock as a grant, recorded at a price of $0.0000 per share, increasing direct ownership to 14,017 shares.
The filing also shows 880 COMMON CLASS shares held indirectly by a spouse, reflecting additional family holdings separate from Jones’s direct position. The grant is compensation-related rather than an open-market purchase or sale and does not involve any derivative securities.
Citizens Financial Services Inc. director Roger C. Graham Jr. reported a compensation-related stock grant. He acquired 99 shares of Common Class stock at a price of $0.00 per share, increasing his direct holdings to about 69,311.9986 shares. This was a grant or award, not an open-market trade.
Citizens Financial Services, Inc. filed an 8-K to furnish its first quarter 2026 investor presentation, outlining recent performance and balance sheet metrics. As of March 31, 2026, the company reported assets of $3.03 billion, gross loans of $2.30 billion, and deposits of $2.44 billion.
For the quarter, diluted EPS was $2.16 and net income was $10.4 million. The presentation highlights a net interest margin of 3.72% compared with 3.69% in the prior quarter, and an efficiency ratio of 54.98% versus 54.03%. Core return on average assets was 1.34% and core return on average tangible common equity was 16.15%.
Credit quality data show a nonperforming assets to assets ratio of 1.33% versus 0.95% previously, and nonperforming loans to gross loans of 1.64% versus 1.14%. A non-GAAP reconciliation indicates a tangible common equity to tangible assets ratio of 8.70% and tangible book value per share of $53.23 as of March 31, 2026.