{"schema_version":"secwatch.filing_event.v1","accession":"0000739421-23-000003","form_type":"8-K","ticker":"CZFS","cik":"0000739421","company_name":"CITIZENS FINANCIAL SERVICES INC","filed_at":"2023-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.947010+00:00","generated_at":"2026-06-20T06:52:45.422850+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Financial Q4 net income $7.9M (+13.4% YoY); EPS $1.99 vs $1.74","bullets":["Net income for Q4 2022 was $7.9M ($1.99 EPS), up 13.4% from $6.9M ($1.74 EPS) in Q4 2021.","Full-year 2022 net income $29.1M ($7.32 EPS) flat vs 2021; net interest income grew 9.1% to $72.1M.","Net loan growth of $282.2M (19.8%) driven by Delaware; loan-to-deposit ratio rose to 93.54% from 78.51%.","Non-performing assets fell to $7.5M (0.43% of loans); allowance for loan losses 1.08%.","Quarterly dividend raised to $0.480/share (+3.13%); HV Bancorp merger expected to close Q2 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000739421-23-000003","json":"https://secwatch.observer/filing/0000739421-23-000003.json","markdown":"https://secwatch.observer/filing/0000739421-23-000003.md","text":"https://secwatch.observer/filing/0000739421-23-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/739421/000073942123000003/0000739421-23-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/739421/000073942123000003/fourthqtrearnings.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T06:52:45.422850+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"90b9843c76131bd901c28e7f097c61ada4bd8723","claim":"CITIZENS FINANCIAL SERVICES INC reported the fourth quarter 2022 results: net income $7.9 million.","evidence_excerpt":"On Janaury 30, 2023, Citizens Financial Services, Inc. issued a press release titled “Citizens Financial Services, Inc. Reports Unaudited Full Year and Fourth Quarter 2022 Financial Results”","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/739421/000073942123000003/0000739421-23-000003-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter 2022"},{"label":"Net income","value":"$7.9 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}