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.
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 John P. Painter II reported receiving a stock award of 96 common shares on 12/15/2025 at a price of $0 per share. Following this grant, he directly beneficially owns 2,725.9058 Citizens Financial Services Inc. common shares.
Citizens Financial Services Inc reported an insider stock award to a director. On December 15, 2025, the director received 96 shares of common stock as a stock award at a stated price of $0 per share. Following this award, the director beneficially owns 12,862.426 common shares with direct ownership. The form is signed by Gina Marie Boor for Thomas E. Freeman under a power of attorney dated December 23, 2009.
Citizens Financial Services Inc. director Christopher W. Kunes reported receiving a stock award of 96 shares of common stock on 12/15/2025. The shares were acquired at a reported price of $0, reflecting equity compensation rather than a market purchase, and increased his directly held position to 12,845.9047 shares.
Citizens Financial Services Inc. reported an insider stock award for a director. On 12/15/2025, the director acquired 96 shares of common stock with a reported price of $0, identified in the form as a "STOCK AWARD". Following this transaction, the director directly beneficially owned 13,173 common shares of the company.
Citizens Financial Services Inc. director Mickey L. Jones received a stock award of 96 shares of COMMON CLASS stock on 12/15/2025 at a price of $0 per share, reported as an acquisition.
After this transaction, Jones beneficially owns 13,918 shares directly and 880 shares indirectly through a spouse. The report is filed by one reporting person and is signed by Gina Marie Boor for Mickey L. Jones under a power of attorney dated 07/12/2004.
An insider of Citizens Financial Services Inc. who serves as a director acquired 96 shares of common stock on 12/15/2025 through a stock award. The shares were granted at a price of $0 and increased the director's directly held beneficial ownership to 68,097.6228 shares.
Citizens Financial Services director reported a disposition of 266 shares of common stock on 12/05/2025, with transaction code G and a per-share transaction price of $0.
After this transaction, the director directly beneficially owns 27,727.3892 shares of Citizens Financial Services common stock. The report was signed by Gina Marie Boor for R. Joseph Landy under a power of attorney dated 08/22/2022.
Citizens Financial Services (CZFS) reported stronger Q3 2025 results. Net income rose to $10.0M from $7.5M a year ago, and diluted EPS increased to $2.09 from $1.57. Net interest income improved to $25.1M (from $21.3M) as interest expense eased, while the credit loss provision was $0.5M versus a recovery in the prior year. Noninterest income was steady at $3.9M, and operating expenses remained stable at $16.1M.
Total assets were $3.06B, with deposits of $2.41B. Non‑performing loans declined to $20.6M from $26.0M at year‑end, and the allowance for credit losses increased to $22.5M. Accumulated other comprehensive loss improved to $(14.7)M as unrealized losses on securities narrowed. Shares outstanding were 4,806,377 as of November 1, 2025.
Citizens Financial Services Inc. (CZFS) CEO & President and Director Randall E. Black reported an open‑market purchase on a Form 4. On 11/04/2025, he bought 22 common shares at $54.25 (transaction code P).
Following this transaction, his holdings stand at 44,035 shares held directly and 316 shares held indirectly by spouse. The filing indicates a single reporting person.
Citizens Financial Services (CZFS) reported insider purchases by CEO & President, Randall E. Black. On 11/03/2025, he bought 278 shares at $54 and 200 shares at $54.25 in open‑market transactions.
Following these trades, his direct holdings totaled 44,013 shares. He also has indirect beneficial ownership of 316 shares held by spouse. The filing was submitted under a power of attorney signed by Gina Marie Boor.