---
schema_version: "secwatch.filing_event.v1"
accession: "0000739421-25-000113"
form_type: "8-K"
ticker: "CZFS"
cik: "0000739421"
company_name: "CITIZENS FINANCIAL SERVICES INC"
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-28T19:23:46.633737+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000739421-25-000113
- form_type: 8-K
- ticker: CZFS
- cik: 0000739421
- company_name: CITIZENS FINANCIAL SERVICES INC
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/739421/000073942125000113/0000739421-25-000113-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/739421/000073942125000113/thirdqtrinvestor2025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000739421-25-000113
- JSON: https://secwatch.observer/filing/0000739421-25-000113.json
- Plain text: https://secwatch.observer/filing/0000739421-25-000113.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.