Citizens Financial Services, Inc. · NASDAQ:CZFS

Citizens Financial Services — Citizens Financial Group — Q4 2025 Earnings Presentation

54 slides from Citizens Financial Services's earnings presentation, Jan 21, 2026

1. Slide 1: 4Q25 Financial Results

   4Q25 Financial Results January 21, 2026 ee” §>< Citizens Financial Group, Inc.”

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53. Slide 53: Citizens Financial Services, Inc.

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54. Slide 54: Citizens Financial Group, Inc.

    3« Citizens Financial Group, Inc.”

Citizens Financial Group — Q4 2025 Earnings Presentation on 6ix