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 (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.
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.
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