---
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"
generated_at: "2026-05-16T06:43:23.445011+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/739421/000073942126000010/0000739421-26-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/739421/000073942126000010/fourthqtrearnings2025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000739421-26-000010
- JSON: https://secwatch.observer/filing/0000739421-26-000010.json
- Plain text: https://secwatch.observer/filing/0000739421-26-000010.txt

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