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): July 30, 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) 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)) Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading symbol Name of each exchange on which registered Common Stock, Par Value $1.00 Per Share CZFS Nasdaq Capital Market 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. ☐ 1 ﻿ 2 Item 2.02. Results of Operations and Financial
Condition. Randall E. Black,
Chief Executive Officer, recently announced the unaudited consolidated
financial results for Citizens Financial Services, Inc. and susbisidaries for
the second quarter 2026. On July 30, 2026,
Citizens Financial Services, Inc. issued a press release titled “Citizens
Financial Services, Inc. Reports Unaudited Second Quarter 2026 Financial Results”, attached as Exhibit 99.1 to the Current Report on Form 8-K
and incorporated herein by reference. The information furnished under Item 2.02 of the Current Report on an
8-K shall not be deemed “filed” for any purpose. Item 9.01. Financial Statements and
Exhibits. ﻿ (d)  Exhibits Exhibit No. Description of
  Exhibit ﻿ 99.1 Press release  issued by Citizens Financial Services, Inc. on July 30, 2026, titled  “Citizens Financial Services, Inc. Reports Unaudited Second Quarter 2026 Financial Results”. 104 Cover Page
  Interactive Data File (embedded within the Inline XBRL document) ﻿ 3 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. July 30, 2026 By: /s/ Stephen J. Guillaume Stephen J. Guillaume Chief Financial Officer 0000739421 false 0000739421 2026-07-30 2026-07-30

Citizens Financial Services, Inc. announced its unaudited financial results for Q2 2026 on July 30, 2026. This routine earnings announcement provides stakeholders with insights into the company's operational performance and financial health during the period.

On July 30, 2026, Citizens Financial Services, Inc. announced its unaudited consolidated financial results for the second quarter of 2026. The results were shared through a press release which outlines the company's operational performance during this period. This report provides crucial insights into the financial health of Citizens Financial Services, relevant for investors and stakeholders. Specific financial figures were not detailed in the content provided, but the announcement is significant for understanding the company's recent performance and outlook.

CITIZENS FINANCIAL SERVICES, INC.

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