{"schema_version":"secwatch.filing_event.v1","accession":"0000739421-26-000010","form_type":"8-K","ticker":"CZFS","cik":"0000739421","company_name":"CITIZENS FINANCIAL SERVICES INC","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.623878+00:00","generated_at":"2026-05-16T06:43:23.445011+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 reports 31.5% net income increase for 2025; dividend raised 3.1%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000739421-26-000010","json":"https://secwatch.observer/filing/0000739421-26-000010.json","markdown":"https://secwatch.observer/filing/0000739421-26-000010.md","text":"https://secwatch.observer/filing/0000739421-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/739421/000073942126000010/0000739421-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/739421/000073942126000010/fourthqtrearnings2025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:43:23.445011+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"}