Citizens Financial Services reports 31.5% net income increase for 2025; dividend raised 3.1%

CITIZENS FINANCIAL SERVICES INC

2025-FY EPS reported $7.62 revenue$9,881,000

Net income $36.572M for 2025, up 31.5% YoY; Q4 net income $10.483M, up 31.3% vs Q4 2024.
EPS basic $7.62 for 2025 vs $5.80 in 2024; Q4 EPS $2.19 vs $1.66.
Net interest margin expanded to 3.50% for 2025 from 3.13% in 2024; Q4 NIM 3.69%.
Quarterly dividend increased 3.1% to $0.50 per share, paid Dec 26, 2025.
Non-performing assets $29.19M, up $578k; allowance for credit losses as % of loans 0.97%.

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