CITIZENS FINANCIAL SERVICES INC
Close on Oct 16, 2026
- Market cap
- $384.32M
- P/E (TTM)
- 9.4
- Dividend yield
- 2.47%
About Citizens Financial Services
State Commercial Banks, SIC 6022
Citizens Financial Services, Inc. is a bank holding company that operates primarily through its subsidiary, First Citizens Community Bank, along with First Citizens Insurance Agency, Inc. The institution provides community banking and financial services to individuals, businesses, governmental entities, and institutions. Core offerings include checking, savings, and time deposit accounts, alongside residential, commercial, agricultural real estate, commercial and industrial, state and political subdivision, and consumer loans. Its Trust and Investment division delivers client investment management, estate administration, retirement planning, and mineral management services.
Headquartered in Mansfield, Pennsylvania, the organization maintains its main office alongside 38 full-service branch locations, two limited branch offices, and two mortgage centers. Its service footprint spans north central, south-central, central, and southeastern Pennsylvania, the southern tier of New York, portions of Delaware, and Burlington County, New Jersey. In addition, the bank operates a limited production office in Georgetown, Delaware.
Summary of the business section of Citizens Financial Services's latest annual report, written by StockData.
Company profile
Company
- Legal name
- CITIZENS FINANCIAL SERVICES INC
- Founded
- 1984
- Headquarters
- Mansfield, PA
- Address
- 15 S Main St 16933
- Phone
- (570) 662-0444
- Website
- firstcitizensbank.com
- Employees
- 405, Dec 31, 2025
- Industry
- State Commercial Banks
- Incorporated in
- Pennsylvania
- Fiscal year ends
- December 31
- Auditor
- S.R. Snodgrass, P.C., Cranberry Township, Pennsylvania
Stock & identifiers
- Ticker
- CZFS
- Exchange
- Nasdaq
- IPO date
- Jan 4, 1999
- Shares outstanding
- 5M, Jul 29, 2026
- Public float
- $264.81M, Jun 30, 2025
- Filer category
- Accelerated filer
- SEC CIK
- 739421
- CUSIP
- 174615104
- ISIN
- US1746151042
- LEI
- 5493005JSTWQNVUE0825
- EIN
- 23-2265045
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| David Z. Richards Jr | EXECUTIVE VICE PRESIDENT, Director | 1,851 |
| Randall E. Black | CEO & PRESIDENT, Director | 46,803 |
| Stephen J. Guillaume | SENIOR VICE PRESIDENT | 5,094 |
| LeeAnn Gephart | EXECUTIVE VICE PRESIDENT | 946 |
| Jeffrey L. Wilson | EXECUTIVE VICE PRESIDENT | 15,281 |
| Jeffrey R. White | EXECUTIVE VICE PRESIDENT | 2,022 |
| Zerick D. Cook | EXECUTIVE VICE PRESIDENT | 1,991 |
| R. Joseph Landy | Director | 28,491 |
| John P. Painter II | Director | 3,991 |
| Mickey L. Jones | Director | 15,055 |
| John D. Behm | Director | 13,204 |
| Christopher W. Kunes | Director | 13,248 |
| Robert W. Chappell | Director | 13,235 |
| Roger C. Graham Jr | Director | 69,964 |
| Joseph B. Bower Jr | Director | 2,092 |
| Janie M. Hilfiger | Director | 3,960 |
| Terry B. Osborne | Director | 13,575 |
| Rinaldo A. DePaola | Director | 19,036 |
| Thomas E. Freeman | Director | 13,423 |
CEO pay and shareholder return
Pay versus performance table from the proxy statement
| Fiscal year | CEO total pay | CEO pay actually paid | Other executives (avg) | Value of $100 invested | Peer group |
|---|---|---|---|---|---|
| FY2025 Randall E. Black | $1.21M | $1.03M | $364.37K | $125 | $153 |
| FY2024 Randall E. Black | $1.40M | $1.28M | $399.07K | $133 | $143 |
| FY2023 Randall E. Black | $1.26M | $1.25M | $608.23K | $130 | $127 |
| FY2022 Randall E. Black | $1.44M | $1.33M | $469.50K | $148 | $127 |
| FY2021 Randall E. Black | $1.65M | $1.42M | $462.66K | $113 | $137 |
“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.
Employees
Headcount reported in annual reports
“At December 31, 2025, we had a total of 405 employees, including 32 part-time and 8 commissioned employees and of which approximately 71% are women.”
Corporate history
Events identified from SEC filings
| Date | Event | Details |
|---|---|---|
| Jun 16, 2023 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Dec 16, 2022 | Merger | Registration of securities for a merger or exchange offer (S-4) |
| Jun 1, 2022 | Listing | Registration of securities on an exchange (Form 8-A) |
| Apr 22, 2020 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Dec 12, 2019 | Merger | Registration of securities for a merger or exchange offer (S-4) |
| Dec 11, 2015 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Sep 8, 2015 | Merger | Registration of securities for a merger or exchange offer (S-4) |
| Dec 20, 2005 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Mar 23, 2005 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |