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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Citizens Financial Services
Citizens Financial Services (CZFS) investor relations material
Citizens Financial Services Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M 2026 net income rose 24.5% YoY to $32.5M; Q3 net income increased 19.2% to $11.9M, supported by higher net interest income after credit-loss provisions.
9M net interest margin expanded to 3.66% from 3.44%; non-performing assets rose to $51.5M, led by commercial real estate and construction relationships placed on non-accrual.
Financial highlights
9M net interest income before provision increased 10.1% YoY to $79.1M; Q3 rose 8.4% to $27.3M.
9M non-interest income grew $1.1M to $12.0M, including $958K higher BOLI earnings; non-interest expenses increased $1.9M to $50.5M.
Q3 non-interest income rose $454K to $4.3M, led by BOLI earnings and equity-security gains; expenses rose 5.8% to $17.0M.
9M provision for credit losses was $1.0M versus $1.875M in 2025; no net provision was recorded in Q3 2026, versus $500K in Q3 2025.
Segment performance
Average 9M loans increased $99.6M YoY and average investment securities increased $20.0M; average Q3 loans rose $210.6M and securities rose $52.5M.
Student loans held for sale increased $165.9M to $245.3M at September 30, reflecting higher activity and seasonal first-semester college lending.
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Latest events from Citizens Financial Services
- Net income surged 27.9% year-over-year, with strong loan growth, improved margins, and a higher dividend.CZFS
Q2 2026 - Q1 2026 net income up 36%, strong margin, higher non-performers, new buyback plan.CZFSQ1 2026
- Key votes on directors, auditor, equity plan, and executive pay set for April 2026 meeting.CZFSProxy Filing
- Annual meeting covers director elections, auditor, equity plan, and executive pay, with ESG focus.CZFSProxy Filing
- 2025 saw 31.5% net income growth, strong assets, and robust capital and liquidity positions.CZFSQ4 2025
- Net income surged 31.5% year-over-year, with record assets and improved asset quality.CZFSQ3 2025
- Net income rose 30.8% to $16.1M, with improved margins and strong capital and liquidity.CZFSQ2 2025
- Net income surged 93% year-over-year, but non-performing loans and capital pressures rose.CZFSQ3 2024
- Net income rose 8.5% to $7.62M, with higher EPS, strong capital, and stable asset quality.CZFSQ1 2025
Next Citizens Financial Services earnings date
Q4 202629 Jan, 2027
Citizens Financial Services
Next Citizens Financial Services earnings date
Q4 202629 Jan, 2027
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Frequently asked questions
Citizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank, which provides a range of financial services. The bank offers personal and business banking products, including savings and checking accounts, loans, and mortgages. It also provides wealth management, trust services, and insurance products. Citizens Financial Services primarily serves individuals, businesses, and agricultural clients. The company operates through a network of branch locations across Pennsylvania and New York, focusing on community-oriented banking solutions. The company is headquartered in Mansfield, Pennsylvania, and its shares are listed on the NASDAQ.