Recent 8-K filings for CZFS

• July 30, 2026, 7:00 AM ET earnings materiality 0.75 positive item 2.02item 9.01

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

  Q2 2026 net income $10.2M ($2.12 diluted EPS) vs $8.5M ($1.76) in Q2 2025, up 20.4%.

• April 29, 2026, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01 ◈ Earnings Releases

  CZFS Q1 net income $10.4M (+36% YoY); EPS $2.16; NPAs surge to $40M (1.74% of loans)

  Net income $10.4M vs $7.6M YoY; diluted EPS $2.16 vs $1.59.

• April 21, 2026, 7:59 PM ET earnings materiality 0.70 positive item 7.01item 9.01

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

  Net income of $36.6M for 2025 vs $27.8M in 2024; core diluted EPS $7.62 vs $5.94.

• January 29, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

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

  Net income $36.572M for 2025, up 31.5% YoY; Q4 net income $10.483M, up 31.3% vs Q4 2024.

• October 30, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Citizens Financial Services Q3 net income $10M, EPS $2.09, up 32.7% YoY; dividend increased 3.1%

  Net income $10.005M vs $7.536M in Q3 2024; basic EPS $2.09 vs $1.57.

• July 30, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01

  Citizens Financial Q2 net income $8.5M, EPS $1.76; dividend raised 2.1%

  Q2 2025 net income $8.5M vs $5.3M in Q2 2024 (+60.4%); basic EPS $1.76 vs $1.10.

• April 30, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01

  Citizens Financial Services Q1 net income $7.6M, EPS $1.60, up 8.5% YoY; dividend raised 2.1%

  Net income $7.6M ($1.60 EPS) vs $7.0M ($1.48) a year ago, up 8.5%.

• January 30, 2025, 6:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01

  Citizens Financial Services reports FY 2024 net income $27.8M ($5.86 EPS), up 56% vs 2023; dividend raised 1% to $0.49

  Full-year net income $27.8M vs $17.8M in 2023; EPS $5.86 vs $4.02. Q4 net income $7.98M ($1.68 EPS) vs $7.54M ($1.59 EPS) YoY.

• July 30, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Citizens Financial Q2 net income $5.3M vs loss year ago; EPS $1.11; dividend up 2.1%

  Q2 net income $5.3M ($1.11 EPS) vs net loss $4.1M (($1.00) EPS) in Q2 2023; six-month net income $12.3M ($2.59 EPS).

• April 25, 2024, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 9.01 ◈ Earnings Releases

  CZFS Q1 net income $7.0M (+2.3%), EPS $1.49 vs $1.71; NPA rise $4.8M YoY

  Net income $7.0M, up 2.3% YoY; basic EPS $1.49 vs $1.71 (impacted by share increase from HVB acquisition).

• January 30, 2024, 6:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01 ◈ Earnings Releases ×2

  CZFS Q4 net income $7.5M, EPS $1.60; full-year net income $17.8M, down 38.7% YoY

  Net income $7.5M for Q4 2023 ($1.60 EPS) vs $7.9M ($1.97 EPS) in Q4 2022, down 4.3%.

• October 23, 2023, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 9.01 ◈ Earnings Releases ×2

  Citizens Financial Q3 net income $7.5M flat YoY; EPS $1.61 down from $1.88

  Net income $7.5M for Q3 2023 vs $7.5M in Q3 2022; basic EPS $1.61 vs $1.88.

• August 31, 2023, 7:59 PM ET M&A materiality 0.75 positive item 9.01

  Citizens Financial completes acquisition of HV Bancorp; HVBC shareholders get $30.50 cash or 0.4 CZFS shares

  HVBC had total assets of $615.8M, loans of $469.0M, and deposits of $525.2M as of Dec 31, 2022.

• July 31, 2023, 7:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01 ◈ Earnings Releases

  Citizens Financial Services Q2 net loss $4.1M on HVB deal costs; adjusted EPS $1.58

  Net loss of $4.1M ($1.01 loss per share) vs net income $6.9M ($1.72) in Q2 2022; adjusted EPS ex merger costs $1.58.

• June 16, 2023, 7:59 PM ET M&A materiality 0.65 neutral item 2.01item 5.02item 9.01 ◈ executive_change ×3◈ M&A Transactions

  Citizens Financial Services completes acquisition of HV Bancorp, issuing 723k shares and $13.65M cash

  Each HVBC share converted into $30.50 cash or 0.4040 CZFS shares; proration yielded 80% stock, 20% cash.

• April 27, 2023, 7:59 PM ET M&A materiality 0.65 neutral item 2.02item 9.01 ◈ Earnings Releases

  Citizens Financial Services receives regulatory nod for HVB acquisition; Q1 net income up 1.9% to $6.9M

  Regulatory approval received for acquisition of HV Bancorp, Inc.; transaction expected to close June 16, 2023.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.85 · Median 0.40 · Most common event earnings

9 positive 3 negative 38 neutral

source · CZFS on sec.gov