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, 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.
Citizens Financial Services, Inc. reported stronger unaudited results for the three months ended March 31, 2026. Net income rose to $10,376 thousand from $7,621 thousand a year earlier, and basic and diluted earnings per share increased to $2.16 from $1.59.
The bank’s annualized return on average assets improved to 1.34%, and return on average equity reached 12.03%, supported by a higher tax-equivalent net interest margin of 3.72% versus 3.30% in 2025. A quarterly cash dividend of $0.50 per share was paid in March 2026, up from $0.49.
Total assets were $3.03 billion and loans were $2.30 billion at March 31, 2026, while stockholders’ equity increased to $343.6 million. Asset quality remained generally stable in charge-offs, though non-performing assets increased to $40,103 thousand, or 1.74% of total loans.
Citizens Financial Services, Inc. reported results from its 2026 annual meeting of shareholders held on April 21, 2026. Shareholders approved the 2026 Equity Omnibus Incentive Plan, which reserves up to 250,000 shares of common stock for future equity awards to employees, directors, and certain advisers. Five Class 3 directors were elected to serve until the 2029 annual meeting, the appointment of S.R. Snodgrass as independent auditor for the fiscal year ending December 31, 2026 was ratified, and a non-binding advisory vote approved the compensation of named executive officers.
Citizens Financial Services, Inc. shared an investor presentation at its annual meeting, highlighting record 2025 earnings and stronger capital. Net income rose to $36.6 million in 2025, with diluted core earnings per share of $7.62 and dividends per share of $1.98.
Total assets reached $3.06 billion, total loans $2.36 billion, and deposits $2.38 billion, with a loans-to-deposits ratio of 99.29%. Profitability improved, as net interest margin increased to 3.50%, core return on average assets to 1.21%, and core return on average tangible common equity to 15.94%.
Tangible common equity was $250.1 million, equal to 8.40% of tangible assets, while nonperforming assets were 0.95% of total assets and net charge-offs were 0.03% of average loans. The presentation also detailed liquidity sources totaling about $1.39 billion and described initiatives in technology, cybersecurity, fraud prevention, and emerging areas like cryptocurrency and AI.
The Vanguard Group filed Amendment No. 2 to a Schedule 13G/A reporting 0 shares of Citizens Financial Services Inc. common stock. The filing states an internal realignment and disaggregation under SEC Release No. 34-39538, with subsidiaries reporting beneficial ownership separately. The filing is signed by Ashley Grim, Head of Global Fund Administration.
Citizens Financial Services Inc director Joseph R. Landy reported a bona fide gift of 20.0000 shares of COMMON CLASS stock. The shares were transferred at a price of $0.0000 per share as a non-derivative transaction. After this gift transfer, he directly holds 27934.4652 shares.
Citizens Financial Services, Inc. is asking shareholders to vote at the April 21, 2026 annual meeting on four items, including a new 2026 Equity Incentive Plan authorizing up to 250,000 shares for equity awards to employees, directors and other key personnel.
Shareholders will also elect five Class 3 directors for three-year terms, ratify S.R. Snodgrass, P.C. as independent auditor for 2026, and cast an advisory vote on executive compensation. The record date is March 2, 2026, when 4,807,219 common shares were outstanding.
The proxy describes a largely independent 13‑member board with separate chair and CEO roles, fully independent key committees, a clawback, hedging and insider trading policies, and extensive ESG and community programs, including affordable housing investments and education-focused philanthropy.
Citizens Financial Services, Inc., parent of First Citizens Community Bank, is a Pennsylvania-based community banking company with 47 facilities across Pennsylvania, New York, Delaware and New Jersey. It focuses on full-service retail, commercial, agricultural and trust banking.
As of June 30, 2025, non‑affiliate common equity market value was $264.8 million, and as of March 3, 2026 there were 4,807,219 common shares outstanding. The bank uses the community bank leverage ratio framework and reported a leverage ratio of 9.54% at December 31, 2025, above the well‑capitalized threshold.
The loan book is concentrated in commercial real estate, agricultural real estate and other commercial lending, with detailed risks around agriculture (including dairy and poultry exposure), natural gas activity in the Marcellus and Utica Shales, and secondary mortgage operations. The allowance for credit losses was $22.8 million, or 0.97% of total loans and 85.7% of nonperforming loans, at year‑end 2025.
The filing outlines extensive regulatory, liquidity, interest‑rate, competition and technology/cybersecurity risks, describes capital and dividend constraints, and notes goodwill of $85.8 million. In Q4 2025, the company repurchased 3,065 shares at an average price of $55.85, leaving 140,138 shares available under its buyback program.
Citizens Financial Services Inc. director John P. Painter II bought additional company stock in an open-market transaction. He purchased 675 shares of COMMON CLASS at a price of $61.00 per share, bringing his directly owned stake to 3,412.0167 shares after the transaction.
Citizens Financial Services Inc senior vice president Stephen J. Guillaume bought 13 shares of the company’s common stock in an open-market purchase at $57.06 per share. After this transaction, he directly owns a total of 4,655.5903 shares of Citizens Financial Services Inc common stock.