---
schema_version: "secwatch.filing_event.v1"
accession: "0000739421-26-000071"
form_type: "8-K"
ticker: "CZFS"
cik: "0000739421"
company_name: "CITIZENS FINANCIAL SERVICES INC"
filed_at: "2026-07-30T11:00:13+00:00"
generated_at: "2026-07-30T11:05:12.433299+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000739421-26-000071
- form_type: 8-K
- ticker: CZFS
- cik: 0000739421
- company_name: CITIZENS FINANCIAL SERVICES INC
- filed_at: 2026-07-30T11:00:13+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/739421/000073942126000071/0000739421-26-000071-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/739421/000073942126000071/czfs-20260730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000739421-26-000071
- JSON: https://secwatch.observer/filing/0000739421-26-000071.json
- Plain text: https://secwatch.observer/filing/0000739421-26-000071.txt

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