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1. CZFS CITIZENS FINANCIAL SERVICES INC 10-K 2026-03-12

   Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations.

   tariffs as a negotiation strategy which caused big market swings in the first half of the year. As the year
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2. CZFS CITIZENS FINANCIAL SERVICES INC 10-Q 2026-11-05

   Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

   government regulations, geopolitical environment, international trade agreements and tariffs and consumer tastes, which could negatively impact certain of our customers.
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3. CZFS CITIZENS FINANCIAL SERVICES INC 10-Q 2026-08-06

   Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

   result of weather, government regulations, international trade agreements and tariffs and consumer tastes, which could negatively impact certain of our customers.
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4. CZFS CITIZENS FINANCIAL SERVICES INC 10-Q 2026-05-07

   Item 2.

   result of weather, government regulations, international trade agreements and tariffs and consumer tastes, which could negatively impact certain of our customers.
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5. CZFS CITIZENS FINANCIAL SERVICES INC 10-Q 2025-11-06

   Item 2.

   result of weather, government regulations, international trade agreements and tariffs and consumer tastes, which could negatively impact certain of our customers.
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6. CZFS CITIZENS FINANCIAL SERVICES INC 10-Q 2025-08-07

   Item 2.

   result of weather, government regulations, international trade agreements and tariffs and consumer tastes, which could negatively impact certain of our customers.
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