CITIZENS FINANCIAL SERVICES INC

For the period ended Sep 30, 2025. Filed Nov 6, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 6, 2025

CZFS$84.87-1.4%Stored close · as of Nov 6, 2026

What changed in Risk Factors?

Read the current filing

Previous report: 10-Q

Period ended 2025-06-30; filed 2025-08-07.

0001140361-25-029315

Item 1A. Risk Factors Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities Defaults Upon Senior Securities Mine Safety Disclosures

Current report: 10-Q

Period ended 2025-09-30; filed 2025-11-06.

0001140361-25-040779

Item 1A. Risk Factors Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities Defaults Upon Senior Securities Mine Safety Disclosures

The baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.

Compared 9 previous paragraphs and 9 current paragraphs.

5 unchanged; 1 reworded; 3 added; 3 removed; 0 previous and 0 current paragraphs rearranged.

Tables are not compared: 2 previous and 2 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.

A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.

Added paragraphs (3)

Current report