Citizens Financial Services (CZFS -0.94%), a regional community bank operating across Pennsylvania, New York, Delaware, and New Jersey, reported strong financial results for the second quarter of fiscal 2025. The earnings release, published on July 30, 2025, delivered headline news with GAAP earnings per share of $1.76, beating analyst expectations of $1.60 (GAAP). Net income (GAAP) reached $8.5 million, a 60.4% rise from the prior year, amid improving net interest margins and tighter expense control. Despi ...