{"schema_version":"secwatch.filing_event.v1","accession":"0000739421-23-000079","form_type":"8-K","ticker":"CZFS","cik":"0000739421","company_name":"CITIZENS FINANCIAL SERVICES INC","filed_at":"2023-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.914079+00:00","generated_at":"2026-06-09T17:37:08.169898+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Financial Q3 net income $7.5M flat YoY; EPS $1.61 down from $1.88","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000739421-23-000079","json":"https://secwatch.observer/filing/0000739421-23-000079.json","markdown":"https://secwatch.observer/filing/0000739421-23-000079.md","text":"https://secwatch.observer/filing/0000739421-23-000079.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/739421/000073942123000079/0000739421-23-000079-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/739421/000073942123000079/thirdqtearnings2023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T17:37:08.169898+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":"7574b0a1b0fe0d353a438fc9b237651b208218cb","claim":"CITIZENS FINANCIAL SERVICES INC reported nine months ended September 30, 2023 results: net income $10,271,000, EPS $2.40.","evidence_excerpt":"For the nine months ended September 30, 2023, net income totaled $10,271,000 which compares to net income of $21,185,000 for the first nine months of 2022, a decrease of $10,914,000. Basic earnings per share of $2.40 for the first nine months of 2023 compares to $5.28 for the first nine months last year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/739421/000073942123000079/0000739421-23-000079-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"nine months ended September 30, 2023"},{"label":"Net income","value":"$10,271,000"},{"label":"EPS","value":"$2.40"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"ab2898adfed37711d8735d4256e8f665bb5c757b","claim":"CITIZENS FINANCIAL SERVICES INC reported third quarter 2023 results: net income $7.5 million.","evidence_excerpt":"Net income was $7.5 million for the three months ended September 30, 2023 and 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/739421/000073942123000079/0000739421-23-000079-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Net income","value":"$7.5 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"}