Citizens Financial (NASDAQ: CZFS) EVP sells small 24-share block in open market

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC Executive Vice President LeeAnn Gephart reported an open-market sale of 24 shares of COMMON CLASS stock at $64.78 per share. After this transaction, she directly holds 837 shares. This is a small, routine insider sale with no derivatives reported in this filing.

Insider Trade Summary

Net Seller: 24 shares ($1,555)

Net Sell 1 txn

Insider Gephart LeeAnn

Role EXECUTIVE VICE PRESIDENT

Sold 24 shs ($2K)

Type	Security	Shares	Price	Value
Sale	COMMON CLASS	24	$64.78	$2K

Holdings After Transaction: COMMON CLASS — 837 shares (Direct, null)

Footnotes (1)

Key Figures

Shares sold: 24 shares Sale price: $64.78 per share Shares held after sale: 837 shares +1 more

4 metrics

Shares sold 24 shares Open-market sale of COMMON CLASS stock

Sale price $64.78 per share Price for the 24-share sale

Shares held after sale 837 shares Direct ownership following transaction

Net share change -24 shares Net-sell direction from transactionSummary

Key Terms

open-market sale, COMMON CLASS, Form 4, Executive Vice President

4 terms

open-market sale financial

"transaction_action": "open-market sale""

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

COMMON CLASS financial

""security_title": "COMMON CLASS""

Form 4 regulatory

"INSIDER FILING DATA (Form 4):"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Executive Vice President financial

""officer_title": "EXECUTIVE VICE PRESIDENT""

An executive vice president is a high-ranking leader within a company who oversees major parts of its operations or strategies. Think of them as senior managers responsible for important areas, similar to a vice principal in a school hierarchy. Their role matters to investors because they help guide the company's success and decision-making at the top level.

Form 4 Insider Transactions: What Each Field Means →

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^*

Gephart LeeAnn

(Last) (First) (Middle)

2260 HEIM HILL ROAD

(Street)

MONTOURSVILLE PENNSYLVANIA 17754

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/28/2026

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

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

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

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	05/28/2026		S		24	D	$64.78	837	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:

	GINA MARIE BOOR FOR LEEANN GEPHART UNDER POWER OF ATTORNEY DATED 04/21/2023	05/28/2026
	** 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 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did CITIZENS FINANCIAL SERVICES INC (CZFS) report?

CITIZENS Financial Services reported an insider sale by Executive Vice President LeeAnn Gephart. She sold 24 shares of COMMON CLASS stock in an open-market transaction at $64.78 per share and now directly owns 837 shares following this sale.

Who is the insider involved in the latest CZFS Form 4 filing?

The insider is LeeAnn Gephart, an Executive Vice President at CITIZENS FINANCIAL SERVICES INC. The filing shows she conducted an open-market sale of 24 COMMON CLASS shares at $64.78 and now directly holds a remaining balance of 837 shares.

How many CZFS shares did the Executive Vice President sell?

Executive Vice President LeeAnn Gephart sold 24 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock. The sale was executed as an open-market transaction at a reported price of $64.78 per share, according to the Form 4 insider filing details.

At what price were the sold CZFS shares transacted?

The 24 CITIZENS FINANCIAL SERVICES INC shares were sold at $64.78 per share. This price reflects the transaction value reported in the Form 4, describing an open-market or private sale of COMMON CLASS stock by Executive Vice President LeeAnn Gephart.

How many CZFS shares does LeeAnn Gephart hold after the transaction?

After the reported sale, LeeAnn Gephart directly holds 837 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock. This post-transaction balance is disclosed in the Form 4 and reflects her remaining direct ownership following the 24-share sale.

Does the latest CZFS Form 4 show any derivative securities activity?

The Form 4 filing shows no derivative securities activity for LeeAnn Gephart. The derivativeSummary is empty, indicating there were no option exercises, conversions, or other derivative transactions reported alongside the 24-share open-market sale of COMMON CLASS stock.