Warren James Croft (CZFS) discloses 5,111.595 Citizens Financial shares

Rhea-AI Filing Summary

Citizens Financial Services Inc insider Warren James Croft filed an initial Form 3 reporting existing ownership of 5,111.5950 shares of COMMON CLASS stock held directly. This filing records his current position and does not show any recent share purchases, sales, or option exercises.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Croft Warren James

Role null

Type	Security	Shares	Price	Value
holding	COMMON CLASS	--	--	--

Holdings After Transaction: COMMON CLASS — 5,111.595 shares (Direct, null)

Footnotes (1)

Key Figures

Reported holdings: 5,111.5950 shares

1 metrics

Reported holdings 5,111.5950 shares COMMON CLASS stock directly owned on Form 3

Key Terms

Form 3, COMMON CLASS, direct or indirect

3 terms

Form 3 regulatory

"INSIDER FILING DATA (Form 3)"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

COMMON CLASS financial

"security_title: "COMMON CLASS""

direct or indirect financial

"direct_or_indirect: "D""

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Available on EDGAR 06/17/2026 - 08:46 AM Accepted by SEC EDGAR 06/17/2026 - 08:45 AM Learn about SEC filing dates

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^*

Croft Warren James

(Last) (First) (Middle)

33 WILCOX ESTATES DRIVE

(Street)

WAVERLY NEW YORK 14892

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
06/16/2026

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

3a. Foreign Trading Symbol

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

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

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

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	5,111.595	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 WARREN J. CROFT UNDER POWER OF ATTORNEY DATED MAY 20, 2026	06/17/2026
	** 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.
* Form 3: SEC 1473 (03-26)

FAQ

What does the Croft Warren James Form 3 filing for CZFS report?

The Form 3 filing reports that Warren James Croft holds 5,111.5950 shares of COMMON CLASS stock in Citizens Financial Services Inc. It is an initial ownership statement and does not disclose any recent purchases, sales, or option exercises in CZFS shares.

How many CZFS shares does Warren James Croft report owning on Form 3?

Warren James Croft reports owning 5,111.5950 shares of COMMON CLASS stock in Citizens Financial Services Inc. These shares are listed as directly owned, giving investors a baseline view of his equity position as a subsidiary director associated with CZFS.

Does the CZFS Form 3 for Warren James Croft show any recent insider trades?

The Form 3 does not show any recent insider trades for Warren James Croft. It records a holding entry only, with 5,111.5950 shares directly owned, and transaction fields indicating no buy, sell, exercise, gift, or tax-withholding activity in this filing.

What type of security is reported in the CZFS Form 3 for Warren James Croft?

The security reported is COMMON CLASS stock of Citizens Financial Services Inc. The filing shows 5,111.5950 shares held directly, providing transparency into Croft’s equity stake as of the transaction date referenced, without indicating any derivative or option positions.

Is Warren James Croft a director or major shareholder of Citizens Financial Services Inc?

The filing identifies Warren James Croft as a “Subsidiary Director,” not a main board director or ten percent owner of Citizens Financial Services Inc. The Form 3 simply discloses his 5,111.5950 directly held COMMON CLASS shares in the issuer.