Welcome to our dedicated page for CITIZENS FINANCIAL SERVICES 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 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.
Citizens Financial Services, Inc. furnished a Third Quarter 2025 investor presentation under Item 7.01 (Regulation FD). The presentation is attached as Exhibit 99.1.
The company states the information is furnished, not filed, is not subject to Section 18 liability, and is not incorporated by reference into other filings unless expressly referenced.
Citizens Financial Services, Inc. furnished a current report under Item 2.02 to announce unaudited consolidated financial results for the third quarter 2025. The company issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Third Quarter 2025 Financial Results.”
The press release is attached as Exhibit 99.1 and dated October 30, 2025. The company states that the information furnished under Item 2.02 of the 8‑K shall not be deemed “filed” for any purpose. CEO Randall E. Black recently announced these results.
CITIZENS FINANCIAL SERVICES INC (CZFS) director R. Joseph Landy reported a small non-derivative sale of 20 common shares on 10/08/2025 at a reported price of $0 (transaction code G). After the transaction, the reporting person beneficially owns 27,830.1881 shares, held directly. The Form 4 was filed by one reporting person and was signed under power of attorney by Gina Marie Boor dated 08/22/2022. The filing documents a routine insider sale and shows continued substantial ownership by the director.
Form 4 summary: Director R. Joseph Landy reported a transaction in Citizens Financial Services Inc. (CZFS) on 10/02/2025. The filing shows a Code G transaction disposing of 20 common shares with a reported price of $0 (consistent with a gift). After the transaction, Mr. Landy beneficially owned 27,850.1881 shares directly. The form was signed by Gina Marie Boor under a power of attorney dated 08/22/2022.