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87FY2025 filing

CITIZENS FINANCIAL SERVICES INCCZFS

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The Moat Index · Filing-derived evidence, kept in history.

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An independent educational research product built around the Moat Index: filing-derived scores, company Track Records, screening, point-in-time backtests, a rules-only paper portfolio, and portfolio tools. Scores are computed model outputs, not analyst ratings. Nothing here is investment, legal, or tax advice, and we are not affiliated with Warren Buffett or Berkshire Hathaway.

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The Moat Index All Companies A–Z Sectors Screener Preset Screens Berkshire’s Portfolio Buffett Indicator Moat Movers Quality on Sale Analyzer Compare Score My Portfolio Paper Moat Portfolio Watchlist

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Research Point-in-time Backtest Methodology Glossary The Playbook Guides & Archive Resources

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