Short answer
CITIZENS FINANCIAL SERVICES INC (CZFS) filed its Q2 2026 10-Q quarterly report on Aug 6, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $2M (up 3.2% year over year) with net income of $10M.
Q2 2026 key financials · XBRL
- Revenue
- $2M
- +3.2% YoY · +4.5% QoQ
- Net income
- $10M
- +20.4% YoY · −1.8% QoQ
- EPS (diluted)
- $2.12
- +21.1% YoY · −1.9% QoQ
Source: XBRL data from the CITIZENS FINANCIAL SERVICES INC (CZFS) Q2 2026 10-Q on SEC EDGAR. USD.
CITIZENS FINANCIAL SERVICES INC Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- Risk Factors section not provided; supplied text ends during allowance-for-credit-loss disclosures
- Regional credit concentration across Pennsylvania, New York, Delaware, and New Jersey
- Commercial real estate exposure $1.268B within $2.395B total loans
- Securities valuation risk from $20.845M unrealized losses on available-for-sale securities
- Funding risk from borrowed funds rising to $394.024M from $309.448M at December 31, 2025
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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