CITIZENS FINANCIAL SERVICES INC — Form 8-K
Filed October 30, 2026 · analyzed by the 8-K Agent
8-K
▼ Likely negative
significance 48/100
What the filing says
Citizens Financial Services reported 9-month net income of $32.5M (vs. $26.1M prior year, +24.5%), with EPS of $6.77 vs. $5.44. Net interest income grew 10.1% to $79.1M. However, non-performing assets jumped $28.6M YoY to $51.5M (2.16% of loans vs. 1.03% prior year), driven by 11 CRE loans (~$21.4M) placed on non-accrual. Loans grew $152.8M (+6.8% YoY). Dividend increased 2% to $0.51/share. Total assets: $3.41B.
Why this rating
Strong earnings growth offset by material credit deterioration. NPA surge is ~19% of company equity ($51.5M vs. $351M equity), relative to $264.8M market cap. Ordinary business results masked by emerging credit stress.
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