Citizens Financial Services Q1 net income $7.6M, EPS $1.60, up 8.5% YoY; dividend raised 2.1%

CITIZENS FINANCIAL SERVICES INC

2025-Q1 EPS reported $1.60 revenue$2,439,000

Net income $7.6M ($1.60 EPS) vs $7.0M ($1.48) a year ago, up 8.5%.
Net interest income before provision $23.0M, up 9.8% YoY; net interest margin 3.30% vs 3.05%.
Non-performing assets $27.5M (1.19% of loans), down $1.1M from Dec 31, but up from March 31, 2024 due to HVB acquisition.
Deposits $2.36B, down $17.2M from Dec 31; competitive pressure remains high.
Quarterly cash dividend increased 2.1% to $0.495/share, paid March 28.

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