{"schema_version":"secwatch.filing_event.v1","accession":"0000739421-24-000080","form_type":"8-K","ticker":"CZFS","cik":"0000739421","company_name":"CITIZENS FINANCIAL SERVICES INC","filed_at":"2024-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.756451+00:00","generated_at":"2026-05-31T15:31:07.159537+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Financial Q2 net income $5.3M vs loss year ago; EPS $1.11; dividend up 2.1%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000739421-24-000080","json":"https://secwatch.observer/filing/0000739421-24-000080.json","markdown":"https://secwatch.observer/filing/0000739421-24-000080.md","text":"https://secwatch.observer/filing/0000739421-24-000080.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/739421/000073942124000080/0000739421-24-000080-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/739421/000073942124000080/secondqtrearnings2024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:31:07.159537+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}