Citizens Financial Services files 8-K furnishing Q3 2025 investor presentation

CITIZENS FINANCIAL SERVICES INC

2025-Q3 EPS reported $5.44 vs consensus $1.80 ▲ beat (+203.0%)

Furnished investor presentation for third quarter 2025 to be used in meetings with investors.
Exhibit 99.1 contains the Third Quarter 2025 Investor Presentation and is incorporated by reference.
Presentation is not deemed filed under Section 18 of the Exchange Act or incorporated into other filings.
Company headquartered in Mansfield, Pennsylvania, and trades on NASDAQ under symbol CZFS.
Report dated October 30, 2025, signed by CFO Stephen J. Guillaume.

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