{"schema_version":"secwatch.filing_event.v1","accession":"0000739421-25-000041","form_type":"8-K","ticker":"CZFS","cik":"0000739421","company_name":"CITIZENS FINANCIAL SERVICES INC","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.134760+00:00","generated_at":"2026-05-23T02:59:59.752034+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Financial Services Q1 net income $7.6M, EPS $1.60, up 8.5% YoY; dividend raised 2.1%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000739421-25-000041","json":"https://secwatch.observer/filing/0000739421-25-000041.json","markdown":"https://secwatch.observer/filing/0000739421-25-000041.md","text":"https://secwatch.observer/filing/0000739421-25-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/739421/000073942125000041/0000739421-25-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/739421/000073942125000041/firstqtrearnings2025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:59:59.752034+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"}