{"schema_version":"secwatch.filing_event.v1","accession":"0000739421-25-000008","form_type":"8-K","ticker":"CZFS","cik":"0000739421","company_name":"CITIZENS FINANCIAL SERVICES INC","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.241726+00:00","generated_at":"2026-05-27T06:07:07.085136+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Financial Services reports FY 2024 net income $27.8M ($5.86 EPS), up 56% vs 2023; dividend raised 1% to $0.49","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000739421-25-000008","json":"https://secwatch.observer/filing/0000739421-25-000008.json","markdown":"https://secwatch.observer/filing/0000739421-25-000008.md","text":"https://secwatch.observer/filing/0000739421-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/739421/000073942125000008/0000739421-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/739421/000073942125000008/fourthqtrearnings2024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:07:07.085136+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"}