Citizens Financial Q2 net income $8.5M, EPS $1.76; dividend raised 2.1%

CITIZENS FINANCIAL SERVICES INC

2025-Q2 EPS reported $3.35 revenue$4,806,000

Q2 2025 net income $8.5M vs $5.3M in Q2 2024 (+60.4%); basic EPS $1.76 vs $1.10.
Net interest income before provision $23.6M, up 11.0% YoY; NIM expanded to 3.47% from 3.15%.
Provision for credit losses fell to $750K in Q2 2025 from $2.0M in Q2 2024, helped by lower Braavo-related charges.
Cash dividend increased 2.1% to $0.495/share, paid June 27, 2025.
Non-performing assets $27.4M, down $1.2M from Dec 2024 but up $9.5M YoY due to HVB acquisition.

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