Microcap Ledger Citizens Financial Services Inc $CZFS
Facts as of . Built from SEC filings and our own data. Small caps move fast; check the latest filings.
Snapshot
- Exchange
- Nasdaq Capital Market
- Sector
- State Commercial Banks
- Headquarters
- Mansfield, PA
- Fiscal year end
- December 31
- Shares outstanding
- 4,809,855 [10-Q 2026-08-06]
What the company doesAI summary of filing
Citizens Financial Services, Inc. is a Pennsylvania bank holding company that owns and manages First Citizens Community Bank, a full-service community bank operating 38 full-service offices, two limited branch offices, and two mortgage centers across north central Pennsylvania, southern New York, south-central Pennsylvania, central Pennsylvania, Delaware, and southeastern Pennsylvania. The bank generates revenue through deposit accounts (checking, savings, and time deposits), loans (residential, commercial, agricultural real estate, commercial and industrial, and consumer loans), trust and investment services, and specialized financial services. The company also owns First Citizens Insurance Agency, Inc., an insurance subsidiary. As of December 31, 2025, the company is revenue-generating with 405 employees and operates as a regulated financial institution subject to extensive federal and state banking supervision. [10-K 2026-03-12]
Financial health
| Period | Revenue | Net income | Operating cash flow | Cash | Filing |
|---|---|---|---|---|---|
| 6 months to Jun 2026 | $4.78M | $20.56M | $17.93M | $39.43M | [10-Q 2026-08-06] |
| FY ended Dec 2025 | $9.88M | $36.57M | $36.53M | $34.29M | [10-K 2026-03-12] |
| FY ended Dec 2024 | $9.61M | $27.82M | $33.18M | $42.20M | [10-K 2026-03-12] |
Capital structure and dilution
| Date | Shares outstanding | Filing |
|---|---|---|
| 2024-11-01 | 4,759,730 | [10-Q 2024-11-07] |
| 2025-02-25 | 4,759,471 | [10-K 2025-03-06] |
| 2025-05-01 | 4,759,672 | [10-Q 2025-05-08] |
| 2025-08-01 | 4,807,314 | [10-Q 2025-08-07] |
| 2025-11-01 | 4,806,377 | [10-Q 2025-11-06] |
| 2026-03-03 | 4,807,219 | [10-K 2026-03-12] |
| 2026-04-29 | 4,804,936 | [10-Q 2026-05-07] |
| 2026-07-29 | 4,809,855 | [10-Q 2026-08-06] |
- Shelf registration
- S-3 filed 2023-11-22; declared effective 2023-12-04 [S-3 2023-11-22]
Listing status
Current status: No Form 8-K Item 3.01 (listing notice) filings in the last 24 months, as of 2026-10-11.
Who owns it
| Date | Insider | Type | Shares | Price | Filing |
|---|---|---|---|---|---|
| 2026-09-22 | Landy R Joseph | other | 40 | — | [4 2026-09-22] |
| 2026-09-15 | Landy R Joseph | grant | 70 | — | [4 2026-09-15] |
| 2026-09-15 | Depaola Rinaldo A | grant | 70 | — | [4 2026-09-15] |
| 2026-09-15 | Hilfiger Janie M | grant | 70 | — | [4 2026-09-15] |
| 2026-09-15 | Painter John P Ii | grant | 70 | — | [4 2026-09-15] |
| 2026-09-15 | Behm John D | grant | 70 | — | [4 2026-09-15] |
| 2026-09-15 | Bower Joseph B Jr | grant | 70 | — | [4 2026-09-15] |
| 2026-09-15 | Freeman Thomas E. | grant | 70 | — | [4 2026-09-15] |
Catalysts and calendar
| Date | Type | Title |
|---|---|---|
| 2026-08-06 | 10-Q | Quarterly report |
| 2026-07-30 | 8-K | Results of operations |
| 2026-07-27 | 13G/A | Beneficial ownership report (5%+ holder) |
| 2026-06-22 | 8-K | Director or officer change |
| 2026-05-07 | 10-Q | Quarterly report |
| 2026-04-29 | 8-K | Regulation FD disclosure |
| 2026-04-29 | 8-K | Results of operations |
| 2026-04-22 | 8-K | Director or officer change; Shareholder vote results; Other events |
| 2026-04-21 | 8-K | Regulation FD disclosure |
| 2026-03-26 | 13G/A | Beneficial ownership report (5%+ holder) |
| 2026-03-12 | DEF 14A | Proxy statement |
| 2026-03-12 | 10-K | Annual report |
Alerts for $CZFS
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Facts as of . Small caps move fast; check the latest filings.