CZFS CITIZENS FINANCIAL SERVICES INC

CIK 0000739421 50 ready 8-Ks latest July 30, 2026, 7:00 AM ET RSS · JSON

Activity: NORMAL 1 filings / 30d vs 1 baseline

Ready 8-Ks 50

Latest filing July 30, 2026, 7:00 AM ET

Top materiality 0.85

Event mix earnings ×15 · other ×12 · other_material ×11

Sentiment 9 pos · 3 neg · 38 neu

Latest earnings reported 2026-Q1

Executive change recent →

Recent 8-K filings for CZFS

Highest-materiality recent filing

Citizens Financial Services Q2 net loss $4.1M on HVB deal costs; adjusted EPS $1.58

July 31, 2023, 7:59 PM ET earnings materiality 0.85 negative item 2.02 item 9.01 ◈ Earnings Releases

Net loss of $4.1M ($1.01 loss per share) vs net income $6.9M ($1.72) in Q2 2022; adjusted EPS ex merger costs $1.58.
Completed acquisition of HV Bancorp on June 16 for ~$76.7M; added $486M loans, $533M deposits.

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July 30, 2026, 7:00 AM ET earnings materiality 0.75 positive item 2.02 item 9.01

Citizens Financial Services Q2 net income $10.2M, EPS $2.12, up 20.4% YoY; dividend raised 4% to $0.51

Q2 2026 net income $10.2M ($2.12 diluted EPS) vs $8.5M ($1.76) in Q2 2025, up 20.4%.
June 22, 2026, 7:30 AM ET leadership materiality 0.35 neutral item 5.02 item 9.01 ◈ executive_change

Appoints John Behm to board; amends CFO SERP; discloses FY2025 bonuses and CEO pay ratio 36.9

John D. Behm appointed to Board of Directors effective June 16, 2026; continues as Bank director.
April 29, 2026, 7:59 PM ET earnings materiality 0.70 neutral item 2.02 item 9.01 ◈ Earnings Releases

CZFS Q1 net income $10.4M (+36% YoY); EPS $2.16; NPAs surge to $40M (1.74% of loans)

Net income $10.4M vs $7.6M YoY; diluted EPS $2.16 vs $1.59.
April 29, 2026, 7:59 PM ET other materiality 0.20 neutral item 7.01 item 9.01

Citizens Financial Services to present Q1 2026 investor deck starting April 30

Filed Form 8-K under Item 7.01 to furnish investor presentation for Q1 2026.
April 22, 2026, 7:59 PM ET other materiality 0.25 neutral item 5.02 item 5.07 item 8.01 item 9.01

Citizens Financial shareholders approve 2026 equity plan, elect directors

Shareholders approved the 2026 Equity Incentive Plan authorizing 250,000 shares for future awards.
April 21, 2026, 7:59 PM ET earnings materiality 0.70 positive item 7.01 item 9.01

Citizens Financial Services posts record 2025 net income of $36.6M; core EPS $7.62

Net income of $36.6M for 2025 vs $27.8M in 2024; core diluted EPS $7.62 vs $5.94.
February 18, 2026, 6:59 PM ET other material materiality 0.55 positive item 8.01 item 9.01

Citizens Financial Services authorizes repurchase of up to 200,000 shares for $15M

Repurchase program covers up to 200,000 shares at max $15M aggregate price over April 22, 2026 – April 22, 2029.
January 29, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

Citizens Financial Services reports 31.5% net income increase for 2025; dividend raised 3.1%

Net income $36.572M for 2025, up 31.5% YoY; Q4 net income $10.483M, up 31.3% vs Q4 2024.
January 29, 2026, 6:59 PM ET other materiality 0.15 neutral item 7.01 item 9.01

Q4 2025 investor presentation furnished, no material financial details disclosed

Citizens Financial Services (CZFS) furnished a Q4 2025 investor presentation under Regulation FD.
January 15, 2026, 6:59 PM ET leadership materiality 0.30 neutral item 5.02

Citizens Financial Services appoints Joseph B. Bower Jr. to Board of Directors

Appointed January 12, 2026 to the boards of Citizens Financial Services and First Citizens Community Bank.
December 17, 2025, 6:59 PM ET other material materiality 0.10 neutral item 8.01

Citizens Financial Services sets 2026 annual meeting for April 21, 2026

Annual meeting of shareholders scheduled for Tuesday, April 21, 2026.
October 30, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

Citizens Financial Services Q3 net income $10M, EPS $2.09, up 32.7% YoY; dividend increased 3.1%

Net income $10.005M vs $7.536M in Q3 2024; basic EPS $2.09 vs $1.57.
October 30, 2025, 7:59 PM ET earnings materiality 0.50 neutral item 7.01 item 9.01

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

Furnished investor presentation for third quarter 2025 to be used in meetings with investors.
July 30, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02 item 9.01

Citizens Financial Q2 net income $8.5M, EPS $1.76; dividend raised 2.1%

Q2 2025 net income $8.5M vs $5.3M in Q2 2024 (+60.4%); basic EPS $1.76 vs $1.10.
July 30, 2025, 7:59 PM ET other materiality 0.10 neutral item 7.01 item 9.01

Citizens Financial Services furnishes Q2 2025 investor deck; no specific figures disclosed

Exhibit 99.1 contains a Q2 2025 investor presentation but no financial results or guidance are included in the filing text.
May 22, 2025, 7:59 PM ET other materiality 0.25 neutral item 5.02

Citizens Financial Services determines FY2024 bonuses for CEO and other NEOs

CEO Randall Black received $545,991 bonus; total comp $1,399,597.
April 30, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02 item 9.01

Citizens Financial Services Q1 net income $7.6M, EPS $1.60, up 8.5% YoY; dividend raised 2.1%

Net income $7.6M ($1.60 EPS) vs $7.0M ($1.48) a year ago, up 8.5%.
April 30, 2025, 7:59 PM ET other materiality 0.20 neutral item 7.01 item 9.01

Citizens Financial Services furnishes Q1 2025 investor deck; no specific figures in filing

Presentation filed under Item 7.01 as Exhibit 99.1, not deemed filed for SEC liability purposes.
April 17, 2025, 7:59 PM ET other materiality 0.20 neutral item 5.07 item 8.01 item 9.01

Shareholders elect directors, ratify auditor at annual meeting; board reduced after retirement

John P. Painter II elected Class 1 director for two-year term to 2027.
April 15, 2025, 7:59 PM ET other materiality 0.35 neutral item 7.01 item 9.01

CZFS annual meeting presentation shows 2024 net income $27.8M, highlights challenges

2024 net income $27.8M (core EPS $6.00 diluted) vs $17.8M in 2023.
January 30, 2025, 6:59 PM ET earnings materiality 0.70 neutral item 2.02 item 9.01

Citizens Financial Services reports FY 2024 net income $27.8M ($5.86 EPS), up 56% vs 2023; dividend raised 1% to $0.49

Full-year net income $27.8M vs $17.8M in 2023; EPS $5.86 vs $4.02. Q4 net income $7.98M ($1.68 EPS) vs $7.54M ($1.59 EPS) YoY.
January 30, 2025, 6:59 PM ET other materiality 0.10 neutral item 7.01 item 9.01

Citizens Financial Services files Q4 2024 investor presentation; details unavailable

Presentation furnished under Regulation FD; no earnings release filed.
January 3, 2025, 6:59 PM ET other material materiality 0.35 neutral item 5.02 item 9.01

Citizens Financial Services enters change-in-control agreements with two senior executives

Agreements with David Z. Richards Jr. (Senior EVP, Director Emerging Markets) and Stephen J. Guillaume (SVP, CFO), effective Dec 31, 2024.
December 18, 2024, 6:59 PM ET other materiality 0.00 neutral item 8.01

Citizens Financial Services sets 2025 annual meeting for April 15

2025 annual meeting of shareholders scheduled for Tuesday, April 15, 2025.
October 30, 2024, 7:59 PM ET earnings materiality 0.55 neutral item 2.02 item 9.01

Citizens Financial Q3 net income flat at $7.5M; NIM shrinks, NPAs surge to $24M

Q3 net income $7.5M ($1.59 EPS) vs $7.5M ($1.59 EPS) in Q3 2023; flat YoY.
October 30, 2024, 7:59 PM ET other material materiality 0.30 neutral item 7.01

Citizens Financial Services releases Q3 2024 investor presentation; detail not extractable

Company furnished an investor deck covering 3rd quarter 2024 financial information and legal disclosures.
July 31, 2024, 7:59 PM ET other materiality 0.10 neutral item 7.01

Citizens Financial Services files Q2 2024 investor presentation; no material new info

Company furnished an investor presentation deck for Q2 2024.
July 30, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

Citizens Financial Q2 net income $5.3M vs loss year ago; EPS $1.11; dividend up 2.1%

Q2 net income $5.3M ($1.11 EPS) vs net loss $4.1M (($1.00) EPS) in Q2 2023; six-month net income $12.3M ($2.59 EPS).
July 17, 2024, 7:59 PM ET leadership materiality 0.50 neutral item 5.02 ◈ executive_change ×3

Citizens Financial Services appoints Jeffrey R. White as COO, adds two directors

Jeffrey R. White appointed COO effective July 11, 2024; previously SVP/Deputy CRO at Northwest Bancshares.
June 24, 2024, 7:59 PM ET other material materiality 0.30 neutral item 5.02 item 9.01

Citizens Financial amends CEO SERP to use highest 3-year compensation in last 10 years

Board approved Third Amendment to SERP for CEO Randall E. Black, effective June 18, 2024.
June 6, 2024, 7:59 PM ET other material materiality 0.35 neutral item 5.02

Citizens Fin Svcs reports 2023 bonus awards for NEOs; CEO pay ratio 30.1:1

CEO Randall Black earned $519,918 cash bonus; COO Mickey Jones earned $230,541.
April 25, 2024, 7:59 PM ET earnings materiality 0.60 neutral item 2.02 item 9.01 ◈ Earnings Releases

CZFS Q1 net income $7.0M (+2.3%), EPS $1.49 vs $1.71; NPA rise $4.8M YoY

Net income $7.0M, up 2.3% YoY; basic EPS $1.49 vs $1.71 (impacted by share increase from HVB acquisition).
April 17, 2024, 7:59 PM ET leadership materiality 0.55 neutral item 5.02 item 5.07 item 8.01 item 9.01 ◈ Shareholder Votes ×4◈ executive_change

Citizens Financial COO to retire June 7; board reduced after Kosa departure

Mickey L. Jones, SEVP & COO, will retire effective June 7, 2024.
April 16, 2024, 7:59 PM ET other material materiality 0.30 neutral item 7.01 item 9.01

Citizens Financial Services presents 2023 performance highlights at Annual Shareholder Meeting

Core ROAA of 1.00% and Core ROATCE of 16.56% for Q4 2023, above peer medians.
January 30, 2024, 6:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01 ◈ Earnings Releases ×2

CZFS Q4 net income $7.5M, EPS $1.60; full-year net income $17.8M, down 38.7% YoY

Net income $7.5M for Q4 2023 ($1.60 EPS) vs $7.9M ($1.97 EPS) in Q4 2022, down 4.3%.
December 20, 2023, 6:59 PM ET other materiality 0.10 neutral item 8.01

Citizens Financial Services sets 2024 annual meeting for April 16

Annual meeting of shareholders scheduled for Tuesday, April 16, 2024.
November 27, 2023, 6:59 PM ET other material materiality 0.10 neutral item 7.01

Citizens Financial Services furnishes Q3 2023 investor presentation for meetings starting Nov 27

Company will use presentation in meetings with investors beginning November 27, 2023.
November 22, 2023, 6:59 PM ET other material materiality 0.35 neutral item 5.02

CZFS enters change-in-control agreement with CFO Guillaume: 1x salary, 18-mo benefits

CFO Guillaume receives lump sum of 1x annual base salary upon qualifying termination after change-in-control.
October 23, 2023, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01 ◈ Earnings Releases ×2

Citizens Financial Q3 net income $7.5M flat YoY; EPS $1.61 down from $1.88

Net income $7.5M for Q3 2023 vs $7.5M in Q3 2022; basic EPS $1.61 vs $1.88.
August 31, 2023, 7:59 PM ET M&A materiality 0.75 positive item 9.01

Citizens Financial completes acquisition of HV Bancorp; HVBC shareholders get $30.50 cash or 0.4 CZFS shares

HVBC had total assets of $615.8M, loans of $469.0M, and deposits of $525.2M as of Dec 31, 2022.
August 16, 2023, 7:59 PM ET leadership materiality 0.40 neutral item 5.02 item 9.01 ◈ executive_change ×2

Director Robert J. Marino resigns from board and bank officer roles effective Sept 5

Marino resigned from board of directors and as Chief Revenue Officer and Senior EVP of First Citizens Community Bank.
July 31, 2023, 7:59 PM ET earnings materiality 0.85 negative item 2.02 item 9.01 ◈ Earnings Releases

Citizens Financial Services Q2 net loss $4.1M on HVB deal costs; adjusted EPS $1.58

Net loss of $4.1M ($1.01 loss per share) vs net income $6.9M ($1.72) in Q2 2022; adjusted EPS ex merger costs $1.58.
July 6, 2023, 7:59 PM ET other material materiality 0.35 neutral item 5.02

Citizens Financial Services awards 2022 bonuses: CEO Black $561K cash plus stock; pay ratio 33.5:1

CEO Randall Black earned $561,226 cash bonus plus 203 shares ($16,926 grant-date value) for FY 2022.
June 16, 2023, 7:59 PM ET M&A materiality 0.65 neutral item 2.01 item 5.02 item 9.01 ◈ executive_change ×3◈ M&A Transactions

Citizens Financial Services completes acquisition of HV Bancorp, issuing 723k shares and $13.65M cash

Each HVBC share converted into $30.50 cash or 0.4040 CZFS shares; proration yielded 80% stock, 20% cash.
June 13, 2023, 7:59 PM ET M&A materiality 0.55 neutral item 8.01 item 9.01

CZFS announces merger consideration elections for HVBC; closing expected June 16

HVBC stockholders will receive 0.4040 CZFS shares per share unless a valid cash election was made; proration caps cash at 20% of total shares.
June 9, 2023, 7:59 PM ET M&A materiality 0.50 neutral item 8.01 item 9.01

Citizens Financial adjusts HV Bancorp merger exchange ratio to 0.4040 after 1% stock dividend

Declared 1% stock dividend payable June 30, 2023 to shareholders of record June 9, 2023.
May 22, 2023, 7:59 PM ET leadership materiality 0.40 neutral item 5.02 ◈ executive_change ×2

Citizens Financial appoints HV Bancorp President Robert J. Marino to board and as CRO

Appointment effective upon closing of pending merger with HV Bancorp, expected June 16, 2023.
May 9, 2023, 7:59 PM ET M&A materiality 0.55 neutral item 8.01 item 9.01

Citizens Financial and HV Bancorp set merger election deadline, June 16 close target

HVBC shareholders elect $30.50 cash or 0.4000 CZFS shares per share, subject to 20% cash / 80% stock allocation.
April 27, 2023, 7:59 PM ET M&A materiality 0.65 neutral item 2.02 item 9.01 ◈ Earnings Releases

Citizens Financial Services receives regulatory nod for HVB acquisition; Q1 net income up 1.9% to $6.9M

Regulatory approval received for acquisition of HV Bancorp, Inc.; transaction expected to close June 16, 2023.
April 21, 2023, 7:59 PM ET other material materiality 0.20 neutral item 5.07 item 7.01 item 8.01 item 9.01 ◈ Shareholder Votes ×3

Annual meeting elects four directors, ratifies auditor, approves ESPP

Elected Class 3 directors: Randall E. Black, Rinaldo A. DePaola, Janie M. Hilfiger, Mickey L. Jones to 3-year terms.