{"filings":[{"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}],"next_cursor":null}