Citizens Financial Services Inc (CZFS) director discloses 1,834-share stake

Rhea-AI Filing Summary

Citizens Financial Services Inc director reports initial share holdings. Director Joseph B. Bower Jr. filed a Form 3 showing beneficial ownership of 1,834 shares of COMMON CLASS stock, held directly. This filing serves as his initial ownership statement as an insider of the company.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

BOWER JOSEPH B JR

(Last) (First) (Middle)

4042 ZION ROAD

(Street)

OLANTA PA 16863

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
01/12/2026

3. Issuer Name and Ticker or Trading Symbol
CITIZENS FINANCIAL SERVICES INC [ CZFS ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
COMMON CLASS	1,834	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	GINA MARIE BOOR FOR JOSEPH B. BOWER, JR UNDER POWER OF ATTORNEY DATED JANUARY 12, 2026	01/27/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does the Citizens Financial Services Inc (CZFS) Form 3 filing show?

The Form 3 shows that director Joseph B. Bower Jr. beneficially owns 1,834 shares of Citizens Financial Services Inc COMMON CLASS stock, held directly.

Who is the reporting person in the CZFS Form 3 filing?

The reporting person is Joseph B. Bower Jr., who is identified as a director of Citizens Financial Services Inc.

How many Citizens Financial Services Inc shares does the director report owning?

The director reports beneficial ownership of 1,834 shares of COMMON CLASS stock, shown as directly owned.

Is the ownership in the CZFS Form 3 direct or indirect?

The 1,834 shares of COMMON CLASS stock are reported as held in direct (D) ownership by the reporting person.

What is the purpose of this Citizens Financial Services Inc (CZFS) Form 3?

This Form 3 serves as an initial statement of beneficial ownership for director Joseph B. Bower Jr. as an insider of Citizens Financial Services Inc.