---
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"
generated_at: "2026-05-17T01:28:54.410021+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000739421-25-000112
- JSON: https://secwatch.observer/filing/0000739421-25-000112.json
- Plain text: https://secwatch.observer/filing/0000739421-25-000112.txt

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