{"schema_version":"secwatch.filing_event.v1","accession":"0000739421-25-000112","form_type":"8-K","ticker":"CZFS","cik":"0000739421","company_name":"CITIZENS FINANCIAL SERVICES INC","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.059956+00:00","generated_at":"2026-05-17T01:28:54.410021+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Financial Services Q3 net income $10M, EPS $2.09, up 32.7% YoY; dividend increased 3.1%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000739421-25-000112","json":"https://secwatch.observer/filing/0000739421-25-000112.json","markdown":"https://secwatch.observer/filing/0000739421-25-000112.md","text":"https://secwatch.observer/filing/0000739421-25-000112.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/739421/000073942125000112/0000739421-25-000112-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/739421/000073942125000112/thirdqtrearnings2025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:28:54.410021+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"}