Citizens Financial Services Inc (CZFS) — SEC Filings
Citizens Financial Services Inc (CZFS) — 36 SEC filings. Latest: 10-Q (May 7, 2026). Includes 22 8-K, 7 10-Q, 2 10-K.
View Citizens Financial Services Inc on SEC EDGAR
Overview
Citizens Financial Services Inc (CZFS) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Apr 29, 2026: Citizens Financial Services Inc. filed an 8-K on April 29, 2026, reporting its financial results for the first quarter ending March 31, 2026. The filing includes the company's earnings and a press release detailing its performance during the period.
Sentiment Summary
Across 36 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 34 neutral. The dominant filing sentiment for Citizens Financial Services Inc is neutral.
Filing Type Overview
Citizens Financial Services Inc (CZFS) has filed 7 10-Q, 22 8-K, 2 10-K, 2 DEF 14A, 2 SC 13G/A, 1 SC 13G with the SEC between Jan 2024 to May 2026.
Filings by Year
Recent SEC Filings (36)
Risk Profile
Risk Assessment: Of CZFS's 30 recent filings, 0 were flagged as high-risk, 5 as medium-risk, and 25 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | N/A |
| Net Income | $10.005M |
| EPS | $2.09 |
| Debt-to-Equity | N/A |
| Cash Position | N/A |
| Operating Margin | N/A |
| Total Assets | $3.056B |
| Total Debt | N/A |
Key Executives
- Osborne
- Painter
- White
Industry Context
Citizens Financial Services Inc. operates within the banking sector, characterized by increasing net interest margins due to favorable interest rate environments and a growing loan and deposit base. The industry is also navigating market volatility impacting investment portfolios and maintaining robust credit risk management practices.
Top Tags
financial-results (9) · earnings (8) · annual-meeting (6) · corporate-governance (5) · quarterly-report (5) · financials (5) · 10-Q (4) · governance (3) · 8-k (2) · Regional Banking (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $10.005M | Increased 32.76% from $7.536 million in Q3 2024 |
| Net Income (YTD Sep 2025) | $26.089M | Increased 31.53% from $19.835 million in YTD Sep 2024 |
| Net Interest Income (Q3 2025) | $25.140M | Increased from $21.324 million in Q3 2024 |
| Total Assets (Sep 30, 2025) | $3.056B | Increased from $3.026 billion at Dec 31, 2024 |
| Loans, net (Sep 30, 2025) | $2.313B | Increased from $2.292 billion at Dec 31, 2024 |
| Total Deposits (Sep 30, 2025) | $2.411B | Increased from $2.382 billion at Dec 31, 2024 |
| Allowance for Credit Losses (Sep 30, 2025) | $22.454M | Increased from $21.699 million at Dec 31, 2024 |
| Gross Unrealized Losses on AFS Securities (Sep 30, 2025) | $23.274M | Improved from $34.170 million at Dec 31, 2024 |
| Basic EPS (Q3 2025) | $2.09 | Increased from $1.57 in Q3 2024 |
| Basic EPS (YTD Sep 2025) | $5.44 | Increased from $4.14 in YTD Sep 2024 |
| Net Income (Q2 2025) | $5.8M | Decreased from $6.2M in Q2 2024, indicating a 6.5% decline. |
| Net Income (YTD June 2025) | $11.5M | Decreased from $12.3M in YTD June 2024, representing a 6.5% drop. |
| Total Assets (June 30, 2025) | $2.3B | Increased from $2.2B at December 31, 2024, showing modest growth. |
| SEC File Number | 001-41410 | Identifies the company's filing with the SEC. |
| IRS Employer Identification No. | 23-2265045 | Tax identification number for the company. |
Frequently Asked Questions
What are the latest SEC filings for Citizens Financial Services Inc (CZFS)?
Citizens Financial Services Inc has 36 recent SEC filings from Jan 2024 to May 2026, including 22 8-K, 7 10-Q, 2 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of CZFS filings?
Across 36 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 34 neutral. The dominant sentiment is neutral.
Where can I find Citizens Financial Services Inc SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Citizens Financial Services Inc (CZFS) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Citizens Financial Services Inc?
Key financial highlights from Citizens Financial Services Inc's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for CZFS?
The investment thesis for CZFS includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Citizens Financial Services Inc?
Key executives identified across Citizens Financial Services Inc's filings include Osborne, Painter, White.
What are the main risk factors for Citizens Financial Services Inc stock?
Of CZFS's 30 assessed filings, 0 were flagged high-risk, 5 medium-risk, and 25 low-risk.
What are recent predictions and forward guidance from Citizens Financial Services Inc?
Forward guidance and predictions for Citizens Financial Services Inc are extracted from SEC filings as they are enriched.