Citizens Financial Services posts record 2025 net income of $36.6M; core EPS $7.62

CITIZENS FINANCIAL SERVICES INC

2026-Q1 EPS reported $2.16 revenue$2,337,000

Net income of $36.6M for 2025 vs $27.8M in 2024; core diluted EPS $7.62 vs $5.94.
Net interest margin expanded to 3.50% from 3.13%; efficiency ratio improved to 54.5% from 61.9%.
Tangible book value per share rose to $52.02 from $43.91; TCE/TA ratio improved to 8.40%.
Annual dividend increased to $1.98/share from $1.93; 1% stock dividend continued in 2025.
Asset quality stable: NPAs/Assets at 0.95%; net charge-offs declined to 0.03% from 0.11%.

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