---
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"
generated_at: "2026-05-23T02:59:59.752034+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000739421-25-000041
- JSON: https://secwatch.observer/filing/0000739421-25-000041.json
- Plain text: https://secwatch.observer/filing/0000739421-25-000041.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.