Citizens Financial Services Q3 net income $10M, EPS $2.09, up 32.7% YoY; dividend increased 3.1%

CITIZENS FINANCIAL SERVICES INC

2025-Q3 EPS reported $5.44 revenue$7,578,000

Net income $10.005M vs $7.536M in Q3 2024; basic EPS $2.09 vs $1.57.
Net interest margin expanded to 3.60% from 3.09% YoY; NII before provision up 17.9% to $25.14M.
Non-performing assets down 19.6% to $22.994M since Dec 31, 2024; 0.98% of loans.
Quarterly dividend raised 3.1% to $0.50/share, paid Sept 26, 2025.
Annualized ROE of 12.52% and ROA of 1.33% for Q3 2025 vs 10.31% and 1.01% a year ago.

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