Citizens Financial Services Q2 net income $10.2M, EPS $2.12, up 20.4% YoY; dividend raised 4% to $0.51

CITIZENS FINANCIAL SERVICES INC

Q2 2026 net income $10.2M ($2.12 diluted EPS) vs $8.5M ($1.76) in Q2 2025, up 20.4%.
Net interest margin expanded to 3.67% from 3.47% YoY; net interest income before provision up 8.7% to $25.7M.
Non-performing assets rose to $43.4M (1.81% of loans) from $29.2M at Dec 2025, driven by six commercial real estate loans.
Quarterly cash dividend increased 4% to $0.51 per share, paid June 26, 2026.
H1 2026 net income $20.6M ($4.29 EPS) vs $16.1M ($3.35) in H1 2025; ROAA 1.33% vs 1.07%.

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