SEC EDGAR Submission 0000739421-25-000036

<SEC-DOCUMENT>0000739421-25-000036-index.html : 20250415
<SEC-HEADER>0000739421-25-000036.hdr.sgml : 20250415
<ACCEPTANCE-DATETIME>20250415080041
ACCESSION NUMBER:		0000739421-25-000036
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		51
CONFORMED PERIOD OF REPORT:	20250415
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20250415
DATE AS OF CHANGE:		20250415

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000739421
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				232265045
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41410
		FILM NUMBER:		25837608

	BUSINESS ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
		BUSINESS PHONE:		570-662-0444

	MAIL ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
</SEC-HEADER>
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<FILENAME>annualmtg25investor.htm
<DESCRIPTION>2025 ANNUAL MEETING INVESTOR PRESENTATION
<TEXT>
Document 1 - file: annualmtg25investor.htm

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<DOCUMENT>
<TYPE>EX-99.1
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<FILENAME>investordeck25.htm
<DESCRIPTION>INVESTOR PRESENTATION APRIL 15, 2025
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Document 2 - file: investordeck25.htm

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Document 3 - file: czfs-20250415.xsd

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Document 4 - file: czfs-20250415_lab.xml

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Document 5 - file: czfs-20250415_pre.xml

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<FILENAME>investordeck25slide1.jpg
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Document 6 - file: investordeck25slide1.jpg

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Document 7 - file: investordeck25slide2.jpg

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Document 8 - file: investordeck25slide3.jpg

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Document 9 - file: investordeck25slide4.jpg

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Document 10 - file: investordeck25slide5.jpg

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Document 11 - file: investordeck25slide6.jpg

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Document 12 - file: investordeck25slide7.jpg

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Document 13 - file: investordeck25slide8.jpg

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Document 14 - file: investordeck25slide9.jpg

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Document 15 - file: investordeck25slide10.jpg

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Document 16 - file: investordeck25slide11.jpg

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Document 17 - file: investordeck25slide12.jpg

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Document 18 - file: investordeck25slide13.jpg

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Document 19 - file: investordeck25slide14.jpg

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Document 20 - file: investordeck25slide15.jpg

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Document 21 - file: investordeck25slide16.jpg

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Document 22 - file: investordeck25slide17.jpg

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Document 23 - file: investordeck25slide18.jpg

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Document 24 - file: investordeck25slide19.jpg

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Document 25 - file: investordeck25slide20.jpg

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Document 26 - file: investordeck25slide21.jpg

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Document 27 - file: investordeck25slide22.jpg

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Document 28 - file: investordeck25slide23.jpg

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Document 29 - file: investordeck25slide24.jpg

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Document 30 - file: investordeck25slide25.jpg

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Document 31 - file: investordeck25slide26.jpg

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Document 32 - file: investordeck25slide27.jpg

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Document 33 - file: investordeck25slide28.jpg

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Document 34 - file: investordeck25slide29.jpg

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Document 35 - file: investordeck25slide30.jpg

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Document 36 - file: investordeck25slide31.jpg

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Document 37 - file: investordeck25slide32.jpg

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Document 38 - file: investordeck25slide33.jpg

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Document 39 - file: investordeck25slide34.jpg

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Document 40 - file: investordeck25slide35.jpg

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Document 41 - file: investordeck25slide36.jpg

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Document 42 - file: investordeck25slide37.jpg

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Document 44 - file: R1.htm

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Document 45 - file: Financial_Report.xlsx

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Document 46 - file: Show.js

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Document 47 - file: report.css

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Document 49 - file: FilingSummary.html

Document 49 - RAW XML: FilingSummary.xml

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Document 51 - file: MetaLinks.json

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