CZFS at a glance
CITIZENS FINANCIAL SERVICES INC (CZFS, SEC CIK 739421) filed its latest 10-K annual report on March 12, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 30, 2026 and Form 4 insider filings as recently as September 22, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), CITIZENS FINANCIAL SERVICES INC (CZFS) reported revenue of $9.9 million (up 2.8% from FY2024) and net income of $36.6 million. Diluted EPS was $7.62.
- As of June 30, 2026, 23 institutional investment managers tracked by SignalX reported holding CITIZENS FINANCIAL SERVICES INC (CZFS) shares worth $69.4 million in 13F-HR filings.
- In the last 90 days, CZFS insiders reported 2 open-market purchases ($15K) and 1 open-market sale ($1K) on Form 4, a net purchase of $14K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $9.9M
- +2.8% vs prior year
- Insiders · 90 days
- 2 buys · 1 sell
- Net +$14K
- 13F holders
- 23 funds
- $69.4M · +2 vs prior quarter
- Latest 8-K
- Jul 30, 2026
- Item 2.02
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- Risk Factors section not provided; supplied text ends during allowance-for-credit-loss disclosures
- Regional credit concentration across Pennsylvania, New York, Delaware, and New Jersey
- Commercial real estate exposure $1.268B within $2.395B total loans
- Securities valuation risk from $20.845M unrealized losses on available-for-sale securities
- Funding risk from borrowed funds rising to $394.024M from $309.448M at December 31, 2025
AI summary of the CZFS 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Unaudited second-quarter 2026 results announced by Citizens Financial Services and subsidiaries
- Results released July 30, 2026 through Exhibit 99.1 press release
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Fiscal 2025 incentive payouts updated for five executives, including CEO Randall Black’s $590,601 cash bonus
- CEO total compensation increased to $1,803,244, with other named executives’ totals ranging from $371,571 to $482,693
Item 2.02: Results of Operations and Financial Condition
- First-quarter 2026 unaudited results announced by Citizens Financial Services
- Press release dated April 29, 2026 contains the financial results and key performance metrics
AI summaries of CZFS 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CZFS
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- Fund moves. Which tracked funds opened, added or cut CZFS, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| LANDY R JOSEPH | G | Sep 22, 2026 | 40 | - |
| Chappell Robert W | A | Sep 15, 2026 | 70 | - |
| KUNES CHRISTOPHER W | A | Sep 15, 2026 | 70 | - |
| JONES MICKEY L | A | Sep 15, 2026 | 70 | - |
| Behm John D | A | Sep 15, 2026 | 70 | - |
| Hilfiger Janie M | A | Sep 15, 2026 | 70 | - |
| Freeman Thomas E. | A | Sep 15, 2026 | 70 | - |
| OSBORNE TERRY B | A | Sep 15, 2026 | 70 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $9.0M | $9.6M | $9.9M | |
| Net Income | $17.8M | $27.8M | $36.6M | |
| Net Margin | 198.5% | 289.5% | 370.1% | |
| Balance Sheet | ||||
| Total Assets | $3.0B | $3.0B | $3.1B | |
| Equity | $279.7M | $299.7M | $338.1M | |
| ROE | 6.4% | 9.3% | 10.8% | |
| Per Share | ||||
| EPS | $4.06 | $5.85 | $7.62 | |
| Cash Flow | ||||
| Operating CF | $26.5M | $33.2M | $36.5M | |
Source: XBRL data in CITIZENS FINANCIAL SERVICES INC (CZFS)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CZFS share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 23 | $69.4M |
| Q1 2026 | 21 | $56.5M |
| Q4 2025 | 18 | $54.1M |
| Q3 2025 | 19 | $55.1M |
| Q2 2025 | 16 | $52.6M |
| Q1 2025 | 14 | $32.7M |
| Q4 2024 | 11 | $33.8M |
| Q3 2024 | 9 | $14.7M |
- BlackRock+23.3K (+7%)
- AQR Capital Management+5.6K (+147%)
- Vanguard Portfolio Management LLC+5.2K (+20%)
- Dimensional Fund Advisors+3.0K (+11%)
- Wells Fargo & Co+2.2K (+36%)
- Morgan Stanley−6.6K (-52%)
- Goldman Sachs Group−5.6K (-32%)
- Millennium Management−4.1K (-53%)
- Bank of America Corp−1.2K (-15%)
- State Street Corp−1.1K (-1%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 131 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CZFS filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 22, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 5, 2026 | - | - | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 4 | Jul 23, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jun 26, 2026 | - | - | - |
| 4 | Jun 26, 2026 | - | - | - |
| 4 | Jun 26, 2026 | - | - | - |
| 4 | Jun 26, 2026 | - | - | - |
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CZFS SEC filings: frequently asked questions
Are CZFS insiders buying or selling?
In the last 90 days, CITIZENS FINANCIAL SERVICES INC (CZFS) officers, directors and 10% owners reported 2 open-market purchases worth $14,715 by 2 insiders and 1 open-market sale worth $1,073 by 1 insider on Form 4, a net purchase of $13,642. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CZFS stock?
As of June 30, 2026, the largest CITIZENS FINANCIAL SERVICES INC (CZFS) holders among the 13F filers tracked by SignalX were BlackRock ($25.7 million), Vanguard Capital Management LLC ($14.5 million), CITIZENS & NORTHERN CORP ($8.5 million), State Street Corp ($6.7 million), Northern Trust ($2.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CZFS's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), CITIZENS FINANCIAL SERVICES INC (CZFS) reported revenue of $9.9 million (up 2.8% from FY2024) and net income of $36.6 million. Diluted EPS was $7.62. The figures come from the XBRL data in the 10-K.
What did CZFS report in its latest 8-K?
CITIZENS FINANCIAL SERVICES INC (CZFS) filed an 8-K on July 30, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Unaudited second-quarter 2026 results announced by Citizens Financial Services and subsidiaries.
What are the latest CZFS SEC filings?
CITIZENS FINANCIAL SERVICES INC (CZFS) filed its latest 10-K annual report on March 12, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 30, 2026 and a Form 4 insider filing on September 22, 2026.
What is CZFS's SEC CIK number?
CITIZENS FINANCIAL SERVICES INC (CZFS)'s SEC Central Index Key (CIK) is 739421. EDGAR lists every CZFS filing under that number.
Ask anything about CZFS
The research agent reads CZFS's filings, financials, insider trades and 13F holders, then answers with sources.