What SEC filings does Citizens Financial Services, Inc. submit to the SEC?

Citizens Financial Services, Inc. (CZFS) submits several types of SEC filings including Form 4 (insider transactions), Form 144 (proposed insider sales), 8-K reports (material events such as earnings releases, acquisitions, leadership changes), and periodic reports — the 10-Q (quarterly) and 10-K (annual). All filings are publicly available through SEC EDGAR.

What does a Form 4 filing tell me about CZFS?

A Form 4 for CZFS discloses a transaction by a company insider — typically a director, officer, or 10%+ shareholder. It shows the source-reported date, number of shares, price, and updated ownership. These facts do not establish motive or predict future returns.

How do I interpret an 8-K filing from Citizens Financial Services, Inc.?

An 8-K signals a material event requiring prompt disclosure. Common triggers include earnings pre-announcements, acquisitions, leadership appointments or departures, credit changes, or regulatory actions. Read the item codes inside the filing to understand exactly what was disclosed before drawing conclusions.

What is the difference between a 10-K and 10-Q for CZFS?

The 10-K is Citizens Financial Services, Inc.'s annual report with fully audited financial statements, comprehensive MD&A, and complete risk factor disclosures — filed 60–90 days after fiscal year-end. The 10-Q is a lighter quarterly report with unaudited financials filed for the first three quarters. Together they provide a continuous financial picture of the company.

Where can I see all CZFS SEC filings directly on EDGAR?

You can view all historical Citizens Financial Services, Inc. filings on the SEC EDGAR company page for CZFS. Each filing card on this page links directly to the original SEC document.

How often does Citizens Financial Services, Inc. file with the SEC?

Citizens Financial Services, Inc. files one 10-K per year and up to three 10-Qs per year. Form 4 insider transactions must be reported within two business days of each trade, so the frequency depends on how often insiders are buying or selling CZFS shares. 8-K filings occur whenever a material event happens — which can be several times per quarter for an active company.

CZFS SEC Filing News — Citizens Financial Services, Inc.

Latest SEC filings for Citizens Financial Services, Inc. (CZFS) explained in plain English. Covers insider buying and selling (Form 4), proposed insider sales (Form 144), material company events (8-K), and quarterly & annual reports (10-Q / 10-K). StrongBuyAnalytics provides navigation and brief excerpts or summaries; original filings remain at the SEC/source links and were authored by their filers, not StrongBuyAnalytics. Filing dates shown are source dates. Coverage and detection can be delayed or incomplete because of SEC availability, amendments, parsing, caching, or outages. Latest source filing date shown: 2026-09-22.

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial s…

Sector: Financial Services Industry: Banks - Regional Market Cap: $380.5M CIK: 739421

Total Filings

Bullish Classifications

Bearish Classifications

Insider Transactions

Material Events (8-K)

Periodic Reports

Rule-based classifications for CZFS currently lean bullish. Of the 20 displayed SEC filing records, 2 carry bullish classifications versus 0 bearish classifications. These labels summarize filing attributes; they are not recommendations, probabilities, or evidence of future price direction. There were 18 insider transactions (Form 4) in this period.

CZFS Filing Activity Snapshot 2026-07-09 — 2026-09-22

Insider Transactions (Form 4)

2 buys vs 0 sells

Net insider buying in this period — more purchases than sales reported.

Largest Form 144 Filing

$12.9K

Painter John P II (Director) · 2026-08-05

160 shares · Form 4

Insider Transactions 18 · Forms 3, 4 and 5

A Form 4 is filed within two business days of a company insider — an officer, a director, or a holder of more than ten percent of the stock — changing their position in the shares. All 18 filings in this group are Form 4s for Citizens Financial Services, Inc.

The difficulty with reading these filings as a group is that a single form type covers transactions that mean entirely different things. An executive spending their own money to buy stock and an executive having shares withheld to pay tax on a vesting grant both appear as a Form 4. Every filing below is therefore tagged with the nature of the underlying transaction, taken from the transaction code reported on the form itself.

Across the 18 insider filings shown, the breakdown is 13 compensation award, 3 gift and 2 open-market purchase. 2 of them involved a discretionary open-market trade; the rest are compensation and administrative mechanics.

What each transaction type means

Compensation award ×13: Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.
Gift ×3: Shares were transferred as a gift, typically for estate or charitable planning. No sale into the market took place.
Open-market purchase ×2: The insider bought shares on the open market with their own money. This is the only Form 4 category that requires a discretionary cash outlay at the prevailing price.

Form 4 Gift Tax / Compensation Filing 2026-09-22

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

LANDY R JOSEPH (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were transferred as a gift, typically for estate or charitable planning. No sale into the market took place.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`G`	Gift	40	—	—

Filing: Form 4 (Insider Transaction) Insider: LANDY R JOSEPH (Director) Shares: 40

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

LANDY R JOSEPH (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: LANDY R JOSEPH (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

DePaola Rinaldo A (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: DePaola Rinaldo A (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

Hilfiger Janie M (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: Hilfiger Janie M (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

Painter John P II (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: Painter John P II (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

Behm John D (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: Behm John D (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

BOWER JOSEPH B JR (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: BOWER JOSEPH B JR (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

Freeman Thomas E. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: Freeman Thomas E. (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

KUNES CHRISTOPHER W (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: KUNES CHRISTOPHER W (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

Chappell Robert W (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: Chappell Robert W (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

OSBORNE TERRY B (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: OSBORNE TERRY B (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

JONES MICKEY L (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: JONES MICKEY L (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-09-15

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

GRAHAM ROGER C JR (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	70	—	—

Filing: Form 4 (Insider Transaction) Insider: GRAHAM ROGER C JR (Director) Shares: 70

View on SEC EDGAR → Open Filing Document →

Form 4 Gift Tax / Compensation Filing 2026-09-08

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

LANDY R JOSEPH (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were transferred as a gift, typically for estate or charitable planning. No sale into the market took place.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`G`	Gift	20	—	—

Filing: Form 4 (Insider Transaction) Insider: LANDY R JOSEPH (Director) Shares: 20

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market purchase Insider Buying 2026-09-01

CZFS insider Guillaume Stephen J (SENIOR VICE PRESIDENT) bought 24 shares (~$1.8K)

Guillaume Stephen J, listed as SENIOR VICE PRESIDENT at CITIZENS FINANCIAL SERVICES INC, reported an open-market purchase of 24 CZFS shares in a Form 4 filing. Insider buying is often treated as a bullish signal because company insiders are committing their own capital.

The insider bought shares on the open market with their own money. This is the only Form 4 category that requires a discretionary cash outlay at the prevailing price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`P`	Open-market purchase	24	$76.32	$1.8K

Filing: Form 4 (Insider Transaction) Insider: Guillaume Stephen J (SENIOR VICE PRESIDENT) Shares: 24 Est. Value: $1.8K

View on SEC EDGAR → Open Filing Document →

Form 4 Open-market purchase Insider Buying 2026-08-05

CZFS insider Painter John P II (Director) bought 160 shares (~$12.9K)

Painter John P II, listed as Director at CITIZENS FINANCIAL SERVICES INC, reported an open-market purchase of 160 CZFS shares in a Form 4 filing. Insider buying is often treated as a bullish signal because company insiders are committing their own capital.

The insider bought shares on the open market with their own money. This is the only Form 4 category that requires a discretionary cash outlay at the prevailing price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`P`	Open-market purchase	160	$80.52	$12.9K

Filing: Form 4 (Insider Transaction) Insider: Painter John P II (Director) Shares: 160 Est. Value: $12.9K

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-07-23

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

RICHARDS DAVID Z JR (Director, EXECUTIVE VICE PRESIDENT) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	343	—	—

Filing: Form 4 (Insider Transaction) Insider: RICHARDS DAVID Z JR (Director, EXECUTIVE VICE PRESIDENT) Shares: 343

View on SEC EDGAR → Open Filing Document →

Form 4 Gift Tax / Compensation Filing 2026-07-09

CZFS insider Form 4 filed for equity award, exercise, or tax withholding

LANDY R JOSEPH (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were transferred as a gift, typically for estate or charitable planning. No sale into the market took place.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`G`	Gift	20	—	—

Filing: Form 4 (Insider Transaction) Insider: LANDY R JOSEPH (Director) Shares: 20

View on SEC EDGAR → Open Filing Document →

Material Events 1 · Form 8-K

An 8-K reports a material event in the window between scheduled reports. There is 1 in this period for Citizens Financial Services, Inc. Each 8-K names the item number it is filed under, and that number is the fastest way to tell a routine disclosure from a consequential one.

Item 2.02 is an earnings release, Item 5.02 is a change of directors or officers, and Item 1.01 or 2.01 covers a material agreement or a completed acquisition. Item 7.01 and Item 8.01 are the general-purpose disclosure items and carry no fixed meaning on their own.

Form 8-K Material Company Update 2026-07-30

CZFS filed 8-K — material company event

CITIZENS FINANCIAL SERVICES INC filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Periodic Reports 1 · Forms 10-K and 10-Q

The periodic reports are where the audited and reviewed financial statements live. This period contains 1 quarterly report (10-Q) for Citizens Financial Services, Inc.

The two are not equivalent in weight. A 10-K is audited by an external firm and includes the full risk factor disclosure, business description and management discussion; a 10-Q is unaudited, reviewed rather than examined, and much shorter. When a figure in a quarterly report is later revised, the annual report is usually where the correction appears.

An amended report — 10-K/A or 10-Q/A — restates or corrects something in the original filing, and is worth reading against the version it replaces.

Form 10-Q Quarterly Report 2026-08-06

CZFS filed Quarterly Report (10-Q)

CITIZENS FINANCIAL SERVICES INC filed its quarterly report with the SEC. This report includes unaudited financial statements and management discussion for the quarter.

Filing: 10-Q (Quarterly Report)

View on SEC EDGAR → Open Filing Document →

How we classify Citizens Financial Services, Inc.'s filings

Straight from EDGAR

Each displayed record links to an original source document. StrongBuyAnalytics provides navigation and brief excerpts or summaries, not the filing itself. Parsing may omit context or contain errors, so read the original document in full.

Transaction codes, not guesswork

The nature shown on each insider filing comes from the transaction code the filer entered on the form itself — P for an open-market purchase, A for a compensation award, F for shares withheld to pay tax, M for an option exercise. Where one filing contains several codes, the transaction table lists them line by line.

Why the distinction matters

Insider activity is routinely summarised as buying or selling, which flattens together decisions that mean very different things. Shares withheld for tax on a vesting grant are an automatic administrative step; shares bought on the open market are someone committing their own money at the current price.

What this page does not tell you

A filing records what happened, not why. Form 4 does not always disclose whether a sale was executed under a pre-arranged Rule 10b5-1 plan, and no single filing is a basis for a decision on CZFS. Read these alongside the fundamentals rather than in isolation.

Frequently Asked Questions — CZFS SEC Filings

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CZFS Full Analysis

Publisher, sources & limitations — September 15, 2026. StrongBuyAnalytics provides navigation and brief excerpts or summaries for educational use. Original filings remain at SEC EDGAR or other displayed source links; StrongBuyAnalytics does not author them. Filing dates are source dates, not publication dates for this page. Coverage can be delayed, incomplete, amended, or unavailable because of SEC/source availability, parsing, caching, or outages. Verify every material statement in the original filing.

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