Citizens Financial Services director receives 96-share stock award

Citizens Financial Services Inc. director Christopher W. Kunes reported receiving a stock award of 96 shares of common stock on 12/15/2025.

Rhea-AI Filing Summary

Citizens Financial Services Inc. director Christopher W. Kunes reported receiving a stock award of 96 shares of common stock on 12/15/2025. The shares were acquired at a reported price of $0, reflecting equity compensation rather than a market purchase, and increased his directly held position to 12,845.9047 shares.

Insider Trade Summary

Grant/Award: 96 shares

Grant/Award 1 txn

Insider KUNES CHRISTOPHER W

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	96	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 12,845.9047 shares (Direct)

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Citizens Financial Services (CZFS) report in this filing?

The filing reports that director Christopher W. Kunes received a stock award of 96 shares of Citizens Financial Services Inc. common stock on 12/15/2025, coded as an acquisition.

Who is the reporting person in the CZFS insider stock award disclosure?

The reporting person is Christopher W. Kunes, identified as a director of Citizens Financial Services Inc. The form is signed by Gina Marie Boor under a power of attorney dated 11/18/2018.

How many Citizens Financial Services shares were granted to the director?

The director was granted 96 shares of COMMON CLASS Citizens Financial Services Inc. stock, reported as an acquisition in Table I.

What is the director's total Citizens Financial Services share ownership after the award?

After the reported stock award, Christopher W. Kunes beneficially owns 12,845.9047 shares of Citizens Financial Services Inc. common stock, held with direct ownership.

Was cash paid for the CZFS shares received by the director?

No cash purchase was reported. The 96 shares were acquired at a reported price of $0, and the remarks section describes the transaction as a STOCK AWARD.

What was the transaction date for the Citizens Financial Services director stock award?

The transaction date for the stock award to Christopher W. Kunes was 12/15/2025, which is also disclosed as the earliest transaction date on the form.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 12/16/2025 - 08:26 AM Learn about SEC filing dates

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

KUNES CHRISTOPHER W

(Last) (First) (Middle)

3896 PENNS VALLEY ROAD

(Street)

SPRING MILLS PA 16875

(City) (State) (Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
12/15/2025

4. 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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
COMMON CLASS	12/15/2025		A		96	A	$0	12,845.9047	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

STOCK AWARD

	GINA MARIE BOOR FOR CHRISTOPHER W. KUNES UNDER POWER OF ATTORNEY DATED 11/18/2018	12/16/2025
	** 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 4 (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.