{"filings":[{"id":1949860,"accession_number":"0000739421-26-000071","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-07-30T11:00:13+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Services Q2 net income $10.2M, EPS $2.12, up 20.4% YoY; dividend raised 4% to $0.51","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2026 net income $10.2M ($2.12 diluted EPS) vs $8.5M ($1.76) in Q2 2025, up 20.4%.","Net interest margin expanded to 3.67% from 3.47% YoY; net interest income before provision up 8.7% to $25.7M.","Non-performing assets rose to $43.4M (1.81% of loans) from $29.2M at Dec 2025, driven by six commercial real estate loans.","Quarterly cash dividend increased 4% to $0.51 per share, paid June 26, 2026.","H1 2026 net income $20.6M ($4.29 EPS) vs $16.1M ($3.35) in H1 2025; ROAA 1.33% vs 1.07%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1177036,"accession_number":"0000739421-26-000059","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-06-22T11:30:28+00:00","items":["5.02","9.01"],"status":"ready","headline":"Appoints John Behm to board; amends CFO SERP; discloses FY2025 bonuses and CEO pay ratio 36.9","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["John D. Behm appointed to Board of Directors effective June 16, 2026; continues as Bank director.","SERP amendment provides CFO Stephen Guillaume 10% of highest average cash compensation as retirement benefit.","FY2025 bonuses: CEO Randall Black $590,601 cash; other NEOs combined $266,728 cash plus restricted stock.","CEO pay ratio disclosed: median employee $48,896, CEO total $1,803,244, ratio 36.9 to 1.","Total compensation for NEOs updated: Black $1.8M, Richards $482.7k, Willson $454.6k, Guillaume $371.6k, White $415.4k."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98624,"accession_number":"0000739421-26-000028","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Services to present Q1 2026 investor deck starting April 30","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filed Form 8-K under Item 7.01 to furnish investor presentation for Q1 2026.","Presentation will be used in meetings with investors beginning April 30, 2026.","Specific financial results from the deck are not provided in the filing excerpt.","Exhibit 99.1 contains legal disclosures and financial information for Q1 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98623,"accession_number":"0000739421-26-000027","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CZFS Q1 net income $10.4M (+36% YoY); EPS $2.16; NPAs surge to $40M (1.74% of loans)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $10.4M vs $7.6M YoY; diluted EPS $2.16 vs $1.59.","Net interest income before provision $26.1M, up 13.5% YoY; net interest margin 3.72%.","Non-performing assets jumped to $40.1M (1.74% of loans) from $29.2M at Dec 31, driven by four commercial real estate loans.","Deposits grew $64.2M to $2.44B, mostly from brokered deposits ($52.8M); loan-to-deposit ratio 94.14%.","Quarterly dividend increased 2% to $0.50 per share, paid March 27, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":2.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":2337000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98622,"accession_number":"0000739421-26-000024","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["5.02","5.07","8.01","9.01"],"status":"ready","headline":"Citizens Financial shareholders approve 2026 equity plan, elect directors","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders approved the 2026 Equity Incentive Plan authorizing 250,000 shares for future awards.","Elected five Class 3 directors: Black, Bower, DePaola, Hilfiger, Jones for three-year terms.","Ratified S.R. Snodgrass, P.C. as independent registered public accounting firm for fiscal 2026.","Non-binding advisory vote approved named executive officer compensation as disclosed in proxy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98621,"accession_number":"0000739421-26-000021","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Services posts record 2025 net income of $36.6M; core EPS $7.62","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $36.6M for 2025 vs $27.8M in 2024; core diluted EPS $7.62 vs $5.94.","Net interest margin expanded to 3.50% from 3.13%; efficiency ratio improved to 54.5% from 61.9%.","Tangible book value per share rose to $52.02 from $43.91; TCE/TA ratio improved to 8.40%.","Annual dividend increased to $1.98/share from $1.93; 1% stock dividend continued in 2025.","Asset quality stable: NPAs/Assets at 0.95%; net charge-offs declined to 0.03% from 0.11%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":2337000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114213,"accession_number":"0000739421-26-000013","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-02-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial Services authorizes repurchase of up to 200,000 shares for $15M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Repurchase program covers up to 200,000 shares at max $15M aggregate price over April 22, 2026 – April 22, 2029.","Repurchases may occur via open market, private transactions, or block trades under Rule 10b-18.","CEO Randall Black cited confidence in future and commitment to shareholder value and liquidity.","Program does not obligate any specific number of shares; can be modified or discontinued at any time.","Funding will come from cash on hand; timing depends on market conditions and price."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114212,"accession_number":"0000739421-26-000011","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Q4 2025 investor presentation furnished, no material financial details disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Citizens Financial Services (CZFS) furnished a Q4 2025 investor presentation under Regulation FD.","The presentation includes financial information and legal disclaimers for use in investor meetings.","No specific earnings figures, guidance changes, or other material updates are provided in the filing body.","The exhibit text appears incomplete; no new material information is discernible from the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114211,"accession_number":"0000739421-26-000010","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Services reports 31.5% net income increase for 2025; dividend raised 3.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $36.572M for 2025, up 31.5% YoY; Q4 net income $10.483M, up 31.3% vs Q4 2024.","EPS basic $7.62 for 2025 vs $5.80 in 2024; Q4 EPS $2.19 vs $1.66.","Net interest margin expanded to 3.50% for 2025 from 3.13% in 2024; Q4 NIM 3.69%.","Quarterly dividend increased 3.1% to $0.50 per share, paid Dec 26, 2025.","Non-performing assets $29.19M, up $578k; allowance for credit losses as % of loans 0.97%."],"consensus_eps_estimate":null,"consensus_eps_actual":7.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":9881000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114210,"accession_number":"0000739421-26-000005","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2026-01-15T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Citizens Financial Services appoints Joseph B. Bower Jr. to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointed January 12, 2026 to the boards of Citizens Financial Services and First Citizens Community Bank.","Will serve on the Audit and Examination Committee of the Board.","Compensation follows non-employee director policy described in the 2025 proxy statement.","No arrangements or related-party transactions with Mr. Bower were identified."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130588,"accession_number":"0000739421-25-000131","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-12-17T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Citizens Financial Services sets 2026 annual meeting for April 21, 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Annual meeting of shareholders scheduled for Tuesday, April 21, 2026.","No other material events reported in this 8-K filing.","Meeting date is standard timing; no special items indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130587,"accession_number":"0000739421-25-000113","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Services files 8-K furnishing Q3 2025 investor presentation","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Furnished investor presentation for third quarter 2025 to be used in meetings with investors.","Exhibit 99.1 contains the Third Quarter 2025 Investor Presentation and is incorporated by reference.","Presentation is not deemed filed under Section 18 of the Exchange Act or incorporated into other filings.","Company headquartered in Mansfield, Pennsylvania, and trades on NASDAQ under symbol CZFS.","Report dated October 30, 2025, signed by CFO Stephen J. Guillaume."],"consensus_eps_estimate":1.7952,"consensus_eps_actual":5.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":7578000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130586,"accession_number":"0000739421-25-000112","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Services Q3 net income $10M, EPS $2.09, up 32.7% YoY; dividend increased 3.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $10.005M vs $7.536M in Q3 2024; basic EPS $2.09 vs $1.57.","Net interest margin expanded to 3.60% from 3.09% YoY; NII before provision up 17.9% to $25.14M.","Non-performing assets down 19.6% to $22.994M since Dec 31, 2024; 0.98% of loans.","Quarterly dividend raised 3.1% to $0.50/share, paid Sept 26, 2025.","Annualized ROE of 12.52% and ROA of 1.33% for Q3 2025 vs 10.31% and 1.01% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":5.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":7578000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147130,"accession_number":"0000739421-25-000091","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Services furnishes Q2 2025 investor deck; no specific figures disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Exhibit 99.1 contains a Q2 2025 investor presentation but no financial results or guidance are included in the filing text.","Presentation furnished under Item 7.01; not filed for Section 18 purposes.","No material changes or new events beyond the presentation's existence can be extracted from the attached exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147129,"accession_number":"0000739421-25-000089","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Q2 net income $8.5M, EPS $1.76; dividend raised 2.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2025 net income $8.5M vs $5.3M in Q2 2024 (+60.4%); basic EPS $1.76 vs $1.10.","Net interest income before provision $23.6M, up 11.0% YoY; NIM expanded to 3.47% from 3.15%.","Provision for credit losses fell to $750K in Q2 2025 from $2.0M in Q2 2024, helped by lower Braavo-related charges.","Cash dividend increased 2.1% to $0.495/share, paid June 27, 2025.","Non-performing assets $27.4M, down $1.2M from Dec 2024 but up $9.5M YoY due to HVB acquisition."],"consensus_eps_estimate":null,"consensus_eps_actual":3.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":4806000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165689,"accession_number":"0000739421-25-000048","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Citizens Financial Services determines FY2024 bonuses for CEO and other NEOs","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["CEO Randall Black received $545,991 bonus; total comp $1,399,597.","COO Mickey Jones received $169,681 bonus; total comp $497,146.","EVP David Richards received $83,265 bonus; total comp $486,388.","EVP Jeffrey Willson received $64,367 bonus; total comp $383,341.","CEO-to-median employee pay ratio of 27.7:1 (median employee comp $50,586)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165688,"accession_number":"0000739421-25-000042","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Services furnishes Q1 2025 investor deck; no specific figures in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation filed under Item 7.01 as Exhibit 99.1, not deemed filed for SEC liability purposes.","Deck titled 'First Quarter 2025' includes financial information per exhibit description.","No earnings, guidance, or other material metrics disclosed in the 8-K body or truncated exhibit text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165687,"accession_number":"0000739421-25-000041","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Services Q1 net income $7.6M, EPS $1.60, up 8.5% YoY; dividend raised 2.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.6M ($1.60 EPS) vs $7.0M ($1.48) a year ago, up 8.5%.","Net interest income before provision $23.0M, up 9.8% YoY; net interest margin 3.30% vs 3.05%.","Non-performing assets $27.5M (1.19% of loans), down $1.1M from Dec 31, but up from March 31, 2024 due to HVB acquisition.","Deposits $2.36B, down $17.2M from Dec 31; competitive pressure remains high.","Quarterly cash dividend increased 2.1% to $0.495/share, paid March 28."],"consensus_eps_estimate":null,"consensus_eps_actual":1.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":2439000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165686,"accession_number":"0000739421-25-000038","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-04-17T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Shareholders elect directors, ratify auditor at annual meeting; board reduced after retirement","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["John P. Painter II elected Class 1 director for two-year term to 2027.","Four Class 2 directors elected: Freeman, Kunes, Osborne, Richards Jr. for three-year terms to 2028.","Ratification of S.R. Snodgrass as independent auditor for FY2025 approved (3,186,380 for).","Advisory say-on-pay vote passed with 2,417,208 for, 306,004 against, 34,735 abstentions.","Director Alletta M. Schadler retired; board reduced from 13 to 12 directors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165685,"accession_number":"0000739421-25-000036","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-04-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"CZFS annual meeting presentation shows 2024 net income $27.8M, highlights challenges","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["2024 net income $27.8M (core EPS $6.00 diluted) vs $17.8M in 2023.","Total assets $3.03B; deposits $2.38B; loans/deposits 97.52%.","Core ROAE 9.84% in 2024 (down from 12.01% in 2023); efficiency ratio 61.89%.","Asset quality: NPAs/assets rose to 0.95% from 0.44% in 2023.","Challenges cited: inverted yield curve, tariffs, regulatory environment, labor force."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183293,"accession_number":"0000739421-25-000009","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Services files Q4 2024 investor presentation; details unavailable","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation furnished under Regulation FD; no earnings release filed.","Specific Q4 2024 financial data not included in this excerpt.","Presentation intended for institutional investor meetings.","No material financial updates or guidance changes mentioned in filing body."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183292,"accession_number":"0000739421-25-000008","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Services reports FY 2024 net income $27.8M ($5.86 EPS), up 56% vs 2023; dividend raised 1% to $0.49","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year net income $27.8M vs $17.8M in 2023; EPS $5.86 vs $4.02. Q4 net income $7.98M ($1.68 EPS) vs $7.54M ($1.59 EPS) YoY.","Net interest income rose 7.7% to $86.4M in 2024; tax-effected NIM was 3.13% vs 3.21% in 2023.","Non-performing assets surged to $28.6M at Dec 31, 2024, up $15.4M from Dec 31, 2023, driven by eight large commercial relationships (six from HVB acquisition).","Braavo asset sale generated pre-tax gain of $1.1M on $7.2M proceeds; remaining Braavo loans $971K as of Dec 31, 2024.","Quarterly dividend increased 1% to $0.49 per share, paid Dec 27, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":5.85,"consensus_revenue_estimate":null,"consensus_revenue_actual":9610000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183291,"accession_number":"0000739421-25-000005","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2025-01-03T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens Financial Services enters change-in-control agreements with two senior executives","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Agreements with David Z. Richards Jr. (Senior EVP, Director Emerging Markets) and Stephen J. Guillaume (SVP, CFO), effective Dec 31, 2024.","Upon qualifying termination related to a change in control, each executive receives lump sum equal to 1x base salary plus average bonus, and pro rata bonus.","Continued health and long-term disability insurance for 18 months; accelerated vesting of time-based equity awards.","Non-compete for 12 months and non-solicitation for 18 months post-termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199881,"accession_number":"0000739421-24-000118","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-12-18T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Citizens Financial Services sets 2025 annual meeting for April 15","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["2025 annual meeting of shareholders scheduled for Tuesday, April 15, 2025.","Meeting date announced by the Company on December 18, 2024.","No other material events or disclosures are reported in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199880,"accession_number":"0000739421-24-000101","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Citizens Financial Services releases Q3 2024 investor presentation; detail not extractable","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company furnished an investor deck covering 3rd quarter 2024 financial information and legal disclosures.","Presentation intended for use in investor meetings; no specific earnings or guidance figures provided in exhibit text.","Filing is procedural under Item 7.01; presentation not deemed filed for SEC liability purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199879,"accession_number":"0000739421-24-000100","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Q3 net income flat at $7.5M; NIM shrinks, NPAs surge to $24M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $7.5M ($1.59 EPS) vs $7.5M ($1.59 EPS) in Q3 2023; flat YoY.","Net interest income fell 4.8% to $21.3M; tax-effected NIM narrowed to 3.09% from 3.29%.","Non-performing assets jumped to $24.0M from $13.1M at Dec 2023, driven by four commercial loans.","Nine-month net income doubled to $19.8M from $10.3M due to absence of 2023 merger costs.","Quarterly dividend raised 1% to $0.49/share, paid Sept 27, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":4.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":7312000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215892,"accession_number":"0000739421-24-000082","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Citizens Financial Services files Q2 2024 investor presentation; no material new info","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Company furnished an investor presentation deck for Q2 2024.","No specific financial figures, guidance, or material events were disclosed.","Presentation intended for use in meetings with investors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215891,"accession_number":"0000739421-24-000080","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Q2 net income $5.3M vs loss year ago; EPS $1.11; dividend up 2.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $5.3M ($1.11 EPS) vs net loss $4.1M (($1.00) EPS) in Q2 2023; six-month net income $12.3M ($2.59 EPS).","Net interest income $21.3M, up 18.9% YoY; net interest margin 3.15% vs 3.17% a year ago.","Provision for credit losses $2.0M, with $1.1M directly from Braavo loans; non-performing assets rose $4.3M to $17.9M.","Cash dividend increased 2.1% to $0.49 per share, declared June 4, 2024 and paid June 28.","HVB acquisition completed one year ago; Braavo division sold in Q1 2024 with remaining loans causing charge-offs."],"consensus_eps_estimate":null,"consensus_eps_actual":2.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":4803000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215890,"accession_number":"0000739421-24-000077","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-07-17T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Citizens Financial Services appoints Jeffrey R. White as COO, adds two directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jeffrey R. White appointed COO effective July 11, 2024; previously SVP/Deputy CRO at Northwest Bancshares.","White has over 15 years of finance and risk experience, formerly with KPMG and Northwest Bancshares.","Terry B. Osborne and John P. Painter II appointed to Board on July 16, 2024.","Painter will serve on Audit and Examination Committee; Osborne's committee assignments pending.","New directors will be compensated per non-employee director policy from 2024 proxy statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235348,"accession_number":"0000739421-24-000048","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-06-24T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens Financial amends CEO SERP to use highest 3-year compensation in last 10 years","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved Third Amendment to SERP for CEO Randall E. Black, effective June 18, 2024.","Final Average Pay now based on highest average annual compensation from any three non-consecutive years in prior ten years.","Previous calculation used three consecutive years preceding termination or salary reduction.","No material financial impact disclosed; change applies only to CEO per Appendix C."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235347,"accession_number":"0000739421-24-000036","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-06-06T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Citizens Fin Svcs reports 2023 bonus awards for NEOs; CEO pay ratio 30.1:1","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Randall Black earned $519,918 cash bonus; COO Mickey Jones earned $230,541.","EVP David Richards received $80,236 bonus (70% cash, 30% restricted shares).","CEO total compensation $1,260,061; median employee $41,841; pay ratio 30.1:1.","Updated Summary Compensation Table: Black $1,259,325, Jones $752,718, Richards $463,747.","Richards' restricted share award: 557 shares at $43.15/sh, vests over 3 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235346,"accession_number":"0000739421-24-000028","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CZFS Q1 net income $7.0M (+2.3%), EPS $1.49 vs $1.71; NPA rise $4.8M YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.0M, up 2.3% YoY; basic EPS $1.49 vs $1.71 (impacted by share increase from HVB acquisition).","Net interest income $20.96M, up 15.9% YoY, driven by HVB acquisition; margin compressed to 3.05% from 3.30%.","Non-interest income $4.97M, up $2.8M, including $1.1M pre-tax gain on sale of Braavo assets.","Provision for credit losses $785K (vs $0 in Q1 2023) due to NPA increase; NPA $15.7M (0.70% of loans) vs $10.9M a year ago.","Dividend raised 2.1% to $0.49 per share; paid March 29, 2024 to holders of record March 15."],"consensus_eps_estimate":null,"consensus_eps_actual":1.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":2413000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235345,"accession_number":"0000739421-24-000025","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-04-17T23:59:59+00:00","items":["5.02","5.07","8.01","9.01"],"status":"ready","headline":"Citizens Financial COO to retire June 7; board reduced after Kosa departure","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Mickey L. Jones, SEVP & COO, will retire effective June 7, 2024.","Shareholders elected Chappell, Graham, Landy as Class 1 directors for three-year terms.","Say-on-pay passed with 2.27M for, 453K against; annual frequency advisory approved.","Board size cut from 12 to 11 directors following Kosa's retirement.","Auditor S.R. Snodgrass ratified for FY 2024 with 3.13M votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235344,"accession_number":"0000739421-24-000023","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-04-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Services presents 2023 performance highlights at Annual Shareholder Meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Core ROAA of 1.00% and Core ROATCE of 16.56% for Q4 2023, above peer medians.","Efficiency ratio of 61.63% for Q4 2023 outperformed peer groups (PA banks median 71.31%).","CZFS shares declined 14.8% in 2023 but gained 38.6% in Q4 2023; P/TBV 174%.","1% stock dividend paid each year from 2019 through 2023.","Challenges cited: turbulent economy, staffing, cybercrime, regulatory, customer preferences; no new guidance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253169,"accession_number":"0000739421-24-000004","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2024-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CZFS Q4 net income $7.5M, EPS $1.60; full-year net income $17.8M, down 38.7% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.5M for Q4 2023 ($1.60 EPS) vs $7.9M ($1.97 EPS) in Q4 2022, down 4.3%.","Full-year 2023 net income $17.8M ($4.06 EPS) vs $29.1M ($7.25 EPS), down 38.7% due to $9.3M merger costs and $4.6M provision.","Net interest income grew 11.3% to $80.3M for 2023, driven by HV Bancorp acquisition.","Quarterly dividend raised 3.1% to $0.49 per share; paid Dec 29, 2023.","Non-performing loans $12.7M; deposits ex-acquisition decreased $56.1M in 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":4.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":8972000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270633,"accession_number":"0000739421-23-000089","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-12-20T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Citizens Financial Services sets 2024 annual meeting for April 16","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting of shareholders scheduled for Tuesday, April 16, 2024.","No changes to business operations, financial guidance, or officer slate announced.","The meeting date was disclosed approximately four months in advance, a routine procedural step."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270632,"accession_number":"0000739421-23-000087","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-11-27T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Citizens Financial Services furnishes Q3 2023 investor presentation for meetings starting Nov 27","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company will use presentation in meetings with investors beginning November 27, 2023.","Presentation is furnished under Regulation FD and is not deemed filed.","No specific financial results from the presentation are included in the filing text provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270631,"accession_number":"0000739421-23-000084","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-11-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"CZFS enters change-in-control agreement with CFO Guillaume: 1x salary, 18-mo benefits","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CFO Guillaume receives lump sum of 1x annual base salary upon qualifying termination after change-in-control.","Health insurance and long-term disability coverage continued for 18 months post-termination.","Payments reduced to avoid Section 280G excise tax; six-month delay under Section 409A if required.","Qualifying termination includes termination without cause or resignation for good reason within one year post-change.","Change in control defined as 50% ownership change, board majority change, or merger/asset sale."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270630,"accession_number":"0000739421-23-000079","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Q3 net income $7.5M flat YoY; EPS $1.61 down from $1.88","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.5M for Q3 2023 vs $7.5M in Q3 2022; basic EPS $1.61 vs $1.88.","Net interest income $22.4M, up 18.9% YoY, driven by HV Bancorp acquisition.","Total assets $2.96B at Sept 30, 2023, vs $2.33B at Dec 31, 2022.","Merger & acquisition costs totaled $9.3M through nine months; NPC provision $4.6M.","Quarterly dividend raised 3.1% to $0.49 per share, paid Sept 29."],"consensus_eps_estimate":null,"consensus_eps_actual":2.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":6702000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287550,"accession_number":"0001193125-23-226383","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K/A","filed_at":"2023-08-31T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Citizens Financial completes acquisition of HV Bancorp; HVBC shareholders get $30.50 cash or 0.4 CZFS shares","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["HVBC had total assets of $615.8M, loans of $469.0M, and deposits of $525.2M as of Dec 31, 2022.","HVBC 2022 net income was $2.23M ($1.06 diluted EPS) on net interest income of $18.84M.","Merger closed June 16, 2023; combined company pro forma financials filed for FY2022 and Q1 2023.","Deal consideration: 80% stock / 20% cash mix; each HVBC share elected $30.50 cash or 0.4000 CZFS shares.","Regulatory approvals received from FDIC, Fed, and PA Dept of Banking; shareholder vote approved in Feb 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287553,"accession_number":"0000739421-23-000060","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-08-16T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Robert J. Marino resigns from board and bank officer roles effective Sept 5","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Marino resigned from board of directors and as Chief Revenue Officer and Senior EVP of First Citizens Community Bank.","Resignation effective September 5, 2023, for personal reasons; no disagreement with company.","Board size reduced from 13 to 12 directors upon his departure.","Marino's departure not related to any operational, policy, or practice disagreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287552,"accession_number":"0000739421-23-000056","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Services Q2 net loss $4.1M on HVB deal costs; adjusted EPS $1.58","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $4.1M ($1.01 loss per share) vs net income $6.9M ($1.72) in Q2 2022; adjusted EPS ex merger costs $1.58.","Completed acquisition of HV Bancorp on June 16 for ~$76.7M; added $486M loans, $533M deposits.","Net interest income $17.9M, up 1.1% YoY; provision for credit losses $4.85M including $4.6M NPC provision.","Total assets $2.89B at June 30; deposits $2.27B; organic loans declined $40M.","Quarterly dividend increased 3% to $0.485/share, paid June 30."],"consensus_eps_estimate":null,"consensus_eps_actual":0.67,"consensus_revenue_estimate":null,"consensus_revenue_actual":4104000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287551,"accession_number":"0000739421-23-000054","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-07-06T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Citizens Financial Services awards 2022 bonuses: CEO Black $561K cash plus stock; pay ratio 33.5:1","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Randall Black earned $561,226 cash bonus plus 203 shares ($16,926 grant-date value) for FY 2022.","COO Mickey Jones earned $229,293 cash plus 113 shares ($9,422); CFO Guillaume got $35,446 (70% cash, 30% restricted shares).","Updated total compensation: Black $1,440,625; Jones $720,898; Guillaume $218,084.","CEO-to-median-employee pay ratio of 33.5:1; median employee compensation $43,007."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307763,"accession_number":"0001193125-23-169056","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-06-16T23:59:59+00:00","items":["2.01","5.02","9.01"],"status":"ready","headline":"Citizens Financial Services completes acquisition of HV Bancorp, issuing 723k shares and $13.65M cash","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Each HVBC share converted into $30.50 cash or 0.4040 CZFS shares; proration yielded 80% stock, 20% cash.","Total consideration: 723,068 CZFS shares plus ~$13.65 million in cash to former HVBC holders.","Robert J. Marino (ex-HVBC President) joined CZFS board and appointed Chief Revenue Officer & Senior EVP of FCCB.","John D. Behm, former HVBC director, appointed to FCCB board; board expands to 13 (CZFS) and 16 (FCCB).","Merger expands CZFS/FCCB footprint into Montgomery, Bucks, Philadelphia (PA), New Castle (DE), and Burlington (NJ) counties."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307762,"accession_number":"0001193125-23-165772","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-06-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"CZFS announces merger consideration elections for HVBC; closing expected June 16","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["HVBC stockholders will receive 0.4040 CZFS shares per share unless a valid cash election was made; proration caps cash at 20% of total shares.","Holders of 43.97% of HVBC shares elected cash; 39.61% elected stock; 16.42% made no election.","Cash-electing shareholders will have 45.49% of their shares exchanged at $30.50 cash per share; remainder converted to CZFS stock.","Closing anticipated on June 16, 2023, subject to customary conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307761,"accession_number":"0001193125-23-164104","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-06-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial adjusts HV Bancorp merger exchange ratio to 0.4040 after 1% stock dividend","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Declared 1% stock dividend payable June 30, 2023 to shareholders of record June 9, 2023.","Merger exchange ratio for HVBC shares adjusted from 0.4000 to 0.4040 to reflect stock dividend.","Merger closing expected on June 16, 2023; shareholder elections subject to 80% stock / 20% cash proration.","HVBC shareholders may elect $30.50 cash or 0.4040 CZFS shares per HVBC share, subject to proration."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307760,"accession_number":"0001193125-23-150544","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-05-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Citizens Financial appoints HV Bancorp President Robert J. Marino to board and as CRO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointment effective upon closing of pending merger with HV Bancorp, expected June 16, 2023.","Marino also named Chief Revenue Officer and Senior EVP of subsidiary First Citizens Community Bank.","Board term until 2024 annual meeting; will be nominated for re-election for term expiring 2027.","Appointment contingent on Marino remaining a full-time officer of the bank.","No committee assignments; previously disclosed settlement and non-compete agreement with Marino."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307759,"accession_number":"0001193125-23-139058","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial and HV Bancorp set merger election deadline, June 16 close target","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["HVBC shareholders elect $30.50 cash or 0.4000 CZFS shares per share, subject to 20% cash / 80% stock allocation.","Election deadline June 5, 2023; plan participants deadline May 30, 2023.","Merger expected to close June 16, 2023, subject to customary conditions.","Election materials mailed May 9, 2023 to record holders as of Dec 27, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307758,"accession_number":"0000739421-23-000020","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-04-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Financial Services receives regulatory nod for HVB acquisition; Q1 net income up 1.9% to $6.9M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Regulatory approval received for acquisition of HV Bancorp, Inc.; transaction expected to close June 16, 2023.","Q1 2023 net income $6.9M ($1.73 EPS) vs $6.7M ($1.69 EPS) in Q1 2022, up 1.9%.","Net interest income rose 11.2% to $18.1M; no provision for credit losses recorded.","Non-performing assets increased to $10.9M (0.63% of loans) due to two commercial relationships placed on non-accrual.","Declared quarterly dividend of $0.485/share, up 3.1% from prior year; deposits down $44.5M from Dec 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":316164786.8115941,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307757,"accession_number":"0000739421-23-000016","cik":739421,"company_name":"CITIZENS FINANCIAL SERVICES INC","ticker":"CZFS","form_type":"8-K","filed_at":"2023-04-21T23:59:59+00:00","items":["5.07","7.01","8.01","9.01"],"status":"ready","headline":"Annual meeting elects four directors, ratifies auditor, approves ESPP","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Class 3 directors: Randall E. 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