- Home
- CZFS
as of 03-06-2026 2:19pm EST
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
| Founded: | 1984 | Country: | United States |
| Employees: | N/A | City: | MANSFIELD |
| Market Cap: | 288.7M | IPO Year: | 1995 |
| Target Price: | N/A | AVG Volume (30 days): | 6.8K |
| Analyst Decision: | N/A | Number of Analysts: | N/A |
| Dividend Yield: | Dividend Payout Frequency: | quarterly | |
| EPS: | 5.44 | EPS Growth: | 44.09 |
| 52 Week Low/High: | $49.99 - $69.30 | Next Earning Date: | 04-30-2026 |
| Revenue: | $9,610,000 | Revenue Growth: | 7.11% |
| Revenue Growth (this year): | -4.84% | Revenue Growth (next year): | 2.64% |
| P/E Ratio: | 11.18 | Index: | N/A |
| Free Cash Flow: | N/A | FCF Growth: | N/A |
AI-Powered CZFS Daily Prediction
Machine learning model trained on 25+ technical indicators
AI Recommendation
Disclaimer: This prediction is generated by an AI model and should not be considered as financial advice. Always conduct your own research and consult with financial professionals before making investment decisions.
Stock Insider Trading Activity of Citizens Financial Services Inc. (CZFS)
Director
Avg Cost/Share
$61.00
Shares
675
Total Value
$41,175.00
Owned After
3,412.017
SEC Form 4
SENIOR VICE PRESIDENT
Avg Cost/Share
$57.06
Shares
13
Total Value
$741.78
Owned After
4,655.59
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| Painter John P II | CZFS | Director | Mar 6, 2026 | Buy | $61.00 | 675 | $41,175.00 | 3,412.017 | |
| Guillaume Stephen J | CZFS | SENIOR VICE PRESIDENT | Feb 27, 2026 | Buy | $57.06 | 13 | $741.78 | 4,655.59 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K BUY Jan 29, 2026 · 100% conf.
Q4 2025 Earnings
8-K BUYJan 29, 2026 · 100% conf.
1D
-0.06%
$61.79
5D
+6.48%
$65.84
20D
+6.71%
$65.98
false000073942100007394212025-12-312025-12-31
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): December 31, 2025
CITIZENS FINANCIAL SERVICES INC
(Exact name of registrant as specified in its charter)
Pennsylvania
001-41410
23-2265045
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
15 S MAIN ST
MANSFIELD, Pennsylvania
16933
(Address of principal executive offices)
(Zip code)
Registrant's telephone number, including area code (570) 662-0444
Not Applicable
(Former Name or Former Address, if Changed Since Last Report)
Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, Par Value $1.00 Per Share
CZFS
NASDAQ Capital Market
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition.
Randall E. Black, Chief Executive Officer, recently announced the unaudited consolidated financial results for Citizens Financial Services, Inc. and susbisidaries for the fourth quarter 2025.
On January 29, 2026, Citizens Financial Services, Inc. issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2025 Financial Results”, attached as Exhibit 99.1 to the Current Report on Form 8-K and incorporated herein by reference. The information furnished under Item 2.02 of the Current Report on an 8-K shall not be deemed “filed” for any purpose.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits
Exhibit No.
Description of Exhibit
99.1
Press release issued by Citizens Financial Services, Inc. on January 29, 2026, titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2025 Financial Results”.
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CITIZENS FIANCIAL SERVICES, INC.
Date: January 29, 2026
By:
/s/ Stephen J. Guillaume
Stephen J. Guillaume
Chief Financial Officer
2025 Q3 Q3 2025 Earnings
8-K Oct 30, 2025
Q3 2025 Earnings
8-KOct 30, 2025
false000073942100007394212025-09-302025-09-30
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): September 30, 2025
CITIZENS FINANCIAL SERVICES INC
(Exact name of registrant as specified in its charter)
Pennsylvania
001-41410
23-2265045
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
15 S MAIN ST
MANSFIELD, Pennsylvania
16933
(Address of principal executive offices)
(Zip code)
Registrant's telephone number, including area code (570) 662-0444
Not Applicable
(Former Name or Former Address, if Changed Since Last Report)
Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, Par Value $1.00 Per Share
CZFS
NASDAQ Capital Market
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition.
Randall E. Black, Chief Executive Officer, recently announced the unaudited consolidated financial results for Citizens Financial Services, Inc. and susbisidaries for the third quarter 2025.
On October 30, 2025, Citizens Financial Services, Inc. issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Third Quarter 2025 Financial Results”, attached as Exhibit 99.1 to the Current Report on Form 8-K and incorporated herein by reference. The information furnished under Item 2.02 of the Current Report on an 8-K shall not be deemed “filed” for any purpose.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits
Exhibit No.
Description of Exhibit
99.1
Press release issued by Citizens Financial Services, Inc. on October 30, 2025, titled “Citizens Financial Services, Inc. Reports Unaudited Third Quarter 2025 Financial Results”.
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CITIZENS FINANCIAL SERVICES, INC.
Date: October 30, 2025
By:
/s/ Stephen J. Guillaume
Stephen J. Guillaume
Chief Financial Officer
2025 Q2 Q2 2025 Earnings
8-K Jul 30, 2025
Q2 2025 Earnings
8-KJul 30, 2025
false000073942100007394212025-06-302025-06-30
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): June 30, 2025
CITIZENS FINANCIAL SERVICES INC
(Exact name of registrant as specified in its charter)
Pennsylvania
001-41410
23-2265045
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
15 S MAIN ST
MANSFIELD, Pennsylvania
16933
(Address of principal executive offices)
(Zip code)
Registrant's telephone number, including area code (570) 662-0444
Not Applicable
(Former Name or Former Address, if Changed Since Last Report)
Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, Par Value $1.00 Per Share
CZFS
NASDAQ Capital Market
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition.
Randall E. Black, Chief Executive Officer, recently announced the unaudited consolidated financial results for Citizens Financial Services, Inc. and susbisidaries for the second quarter 2025.
On July 30, 2025, Citizens Financial Services, Inc. issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Second Quarter 2025 Financial Results”, attached as Exhibit 99.1 to the Current Report on Form 8-K and incorporated herein by reference. The information furnished under Item 2.02 of the Current Report on an 8-K shall not be deemed “filed” for any purpose.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits
Exhibit No.
Description of Exhibit
99.1
Press release issued by Citizens Financial Services, Inc. on July 30, 2025, titled “Citizens Financial Services, Inc. Reports Unaudited Second Quarter 2025 Financial Results”.
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CITIZENS FINANCIAL SERVICES, INC.
July 30, 2025
By:
/s/ Stephen J. Guillaume
Stephen J. Guillaume
Chief Financial Officer
Compare CZFS vs Leading Stocks
See how CZFS stacks up against similar companies in the market
Head-to-Head Comparisons
Share on Social Networks:
Tools & Resources
Enhance your trading experience with our free tools
Disclaimer
The information presented on this page, "CZFS Citizens Financial Services Inc. - Stocks Price | History | Analysis", including historical data, forecasts, news, insider information, and predictions, is provided for educational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any securities. Decisions regarding investments should be made only after careful consideration and consultation with a qualified financial advisor. We do not endorse or guarantee the accuracy or reliability of the information provided, and we disclaim any liability for financial losses incurred as a result of decisions made based on the information presented.