Citizens Financial Services presents 2023 performance highlights at Annual Shareholder Meeting

CITIZENS FINANCIAL SERVICES INC

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.

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