UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): ~~January~~February 2917, 2026

CITIZENS FINANCIAL SERVICES INC

(Exact name of registrant as specified in its charter)

Pennsylvania		001-41410		23-2265045
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

15 S MAIN ST MANSFIELD, Pennsylvania		16933
(Address of principal executive offices)		(Zip code)

Registrant's telephone number, including area code (570) 662-0444

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, Par Value $1.00 Per Share	CZFS	NASDAQ Capital Market

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 78.01. ~~Regulation~~Other ~~FD Disclosure~~Events.

On February 17, 2026, the Board of Directors of Citizens Financial Services, Inc. (the “Company”) ~~intends~~authorized and approved a share repurchase program of up to ~~use~~200,000 of the ~~materials~~currently ~~furnished~~outstanding ~~herewith~~shares inof ~~one~~the orCompany’s ~~more~~common ~~meetings~~stock ~~with~~at ~~investors.~~ an aggregate purchase price not to exceed $15 million over the period beginning on April 22, 2026 and ending on April 22, A2029. Under ~~copy~~the ofstock repurchase program, the ~~investor~~Company ~~presentation~~intends isto ~~furnished~~repurchase ~~hereto~~shares asthrough ~~Exhibit~~open ~~99.1~~market ~~and~~purchases, isprivately-negotiated ~~hereby~~transactions, ~~incorporated~~block bypurchases ~~reference~~or ~~herein~~otherwise in accordance with applicable federal securities laws, including Rule 10b-18 of the Securities Exchange Act of 1934 (the “Exchange Act”).

The ~~information~~Company ~~contained~~cannot inpredict ~~this~~when ~~Item~~or ~~7.01,~~if ~~including~~it ~~Exhibit~~will ~~99.1~~repurchase ~~attached~~any ~~hereto,~~shares ~~shall~~of ~~not~~common bestock ~~deemed~~as tosuch bestock ~~“filed”~~repurchase ~~for the purposes of~~program ~~Section 18~~will ofdepend ~~the~~on ~~Securities~~a ~~Exchange~~number ~~Act~~ of ~~1934~~factors, asincluding ~~amended~~price ~~(the~~and ~~“Exchange~~general ~~Act”),~~business orand ~~otherwise~~market ~~subject~~conditions. Information toregarding ~~the~~share ~~liabilities~~repurchases ofwill ~~such~~be ~~section,~~available ~~nor~~in ~~shall~~the ~~such~~Company’s ~~information~~periodic orreports ~~exhibit~~on beForm ~~deemed~~10-Q ~~incorporated~~and byForm ~~reference~~10-K ~~into~~filed ~~any~~with ~~filing~~the ~~under~~Securities ~~the~~and ~~Securities~~Exchange ~~Act~~Commission ~~of 1933,~~ as ~~amended,~~required orby the ~~Exchange~~applicable ~~Act,~~rules ~~except~~of asthe ~~may~~Exchange ~~be expressly set forth by specific reference in such filing~~Act.

This report contains forward-looking statements, as that term is defined under the Securities Exchange Act of 1934, including statements regarding purchases by the Company of its common stock. These statements are not historical facts; rather, they are statements based on the Company’s current expectations regarding its business strategies and their intended results and its future performance. Forward-looking statements are preceded by terms such as “expects,” “believes,” “anticipates,” “intends” and similar expressions. Forward-looking statements are not guarantees of future performance. Numerous risks and uncertainties could cause or contribute to the Company’s actual results, performance and achievements to be materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, changes in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; legislative and regulatory changes; and other factors disclosed periodically in the Company’s filings with the Securities and Exchange Commission. Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this report or made elsewhere periodically by the Company or on its behalf. The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation.

On February 18, 2026, the Company issued a press release announcing the stock repurchase program. A copy of the press release is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number		Description
Exhibit No.		Description of Exhibit
99.1		~~Fourth~~Press ~~Quarter~~release, ~~2025~~dated ~~Investor~~February ~~Presentation~~18, 2026, issued by Citizens Financial Services, Inc. announcing the Stock Repurchase Program
104		Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	CITIZENS FINANCIAL SERVICES, INC.
Date: January 29, 2026	By:	/s/ Stephen J. Guillaume
Date: February 18, 2026	By:	/s/ Stephen J. Guillaume
		Stephen J. Guillaume
		Chief Financial Officer

Filing Compare · CITIZENS FINANCIAL SERVICES INC