CITIZENS FINANCIAL SERVICES INC 8-K

What Happened
Citizens Financial Services, Inc. (CZFS) filed a Form 8-K on April 29, 2026 (Item 7.01) to furnish an investor presentation under Regulation FD. The company intends to use the materials in one or more investor meetings beginning April 30, 2026. The presentation is furnished as Exhibit 99.1 and is incorporated by reference into the filing.

Key Details

• Filing date: April 29, 2026 (Form 8-K, Item 7.01 — Regulation FD Disclosure).
• Presentation: "First Quarter 2026 Investor Presentation" filed as Exhibit 99.1.
• Use: Materials will be used in investor meetings starting April 30, 2026.
• Technical exhibit: Cover page interactive data file included in Inline XBRL (Exhibit 104).
• No earnings release, executive change, merger, or other material financial statements were reported in this 8-K.

Why It Matters
This filing makes the company’s Q1 2026 presentation publicly available and satisfies Regulation FD requirements so material information is broadly disseminated. Retail investors should review Exhibit 99.1 for any updated metrics, strategy commentary, or outlook included in the presentation; the 8-K itself does not replace formal quarterly earnings or SEC financial filings.