Citizens Financial Services INC 10-K annual reports

Annual reports — audited financials, the full risk-factor list, and management’s account of the year.

NASDAQ
Citizens Financial Services, Inc. announced a significant 31.5% increase in net income for 2025, driven by expanded net interest margin and effective expense management.
NASDAQ
Citizens Financial Services, Inc. announces a significant increase in net income for 2024, primarily due to the absence of one-time acquisition costs and strategic growth initiatives.
NASDAQ
Citizens Financial Services, Inc.'s 2023 annual report reveals a decrease in net income primarily due to acquisition costs, alongside growth in loans and deposits.