Citizens Financial director gets 70-share grant

Director Joseph B. Bower Jr. received an equity award under CZFS’s 2026 incentive plan, increasing his direct common stock holdings.

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. BOWER JOSEPH B JR reported acquisition or exercise transactions in this Form 4 filing.

CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Joseph B. Bower Jr. received a grant of 70 shares of its common stock on September 15, 2026. The stock award was granted at $0.00 per share under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, bringing his direct holdings to 2,091.7062 shares.

Insider Trade Summary

Grant/Award: 70 shares

Grant/Award 1 txn

Insider BOWER JOSEPH B JR

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	70	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 2,091.7062 shares (Direct)

Key Figures

Shares acquired: 70 shares Price per share: $0.00 per share Post-transaction holdings: 2,091.7062 shares

3 metrics

Shares acquired 70 shares Stock award to director on September 15, 2026

Price per share $0.00 per share Reported grant price for the stock award

Post-transaction holdings 2,091.7062 shares Director’s direct ownership after the award

Key Terms

Equity Incentive Plan, Rule 10b5-1, grant, award, or other acquisition

3 terms

Equity Incentive Plan financial

"stock awards granted pursuant to the Citizens Financial Services, Inc. 2026 Equity Incentive Plan"

An equity incentive plan is a program that gives employees, executives or directors the right to receive company stock or options to buy stock as part of their pay. Think of it as offering slices of future company profit to motivate people to boost long‑term performance; for investors it matters because it can align employee goals with shareholder value but also increases the number of shares outstanding, which can dilute existing ownership.

Rule 10b5-1 regulatory

"document-level Rule 10b5-1 checkbox is not checked"

Rule 10b5-1 is a regulation that allows company insiders to buy or sell their shares at predetermined times, even if they have access to non-public information. It acts like setting a schedule in advance for transactions, helping prevent accusations of unfair trading. This rule provides a way for insiders to plan trades transparently, giving investors confidence that these transactions are not based on hidden information.

grant, award, or other acquisition financial

"Transaction code A is described as a grant, award, or other acquisition"

FAQ

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

What transaction did CZFS report for Joseph B. Bower Jr. on this Form 4?

The filing reports a grant of 70 shares of CITIZENS FINANCIAL SERVICES INC common stock to director Joseph B. Bower Jr. on September 15, 2026, recorded as a grant, award, or other acquisition with a reported per-share price of $0.00.

How many CZFS shares does Joseph B. Bower Jr. hold after this transaction?

After the reported stock award, Joseph B. Bower Jr. directly holds 2,091.7062 shares of CITIZENS FINANCIAL SERVICES INC common stock, according to the Form 4 disclosure.

Was the CZFS Form 4 transaction for Joseph B. Bower Jr. a purchase or a sale?

The transaction is reported as an acquisition coded as a grant or award (code A). It is an equity award, not an open-market purchase or sale, and is reflected as an increase in his direct share holdings.

What plan governs the stock award reported for CZFS director Joseph B. Bower Jr.?

The remarks state that the stock awards were granted pursuant to the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, indicating the grant is part of the company’s equity compensation program.

Was the CZFS Form 4 transaction under a Rule 10b5-1 trading plan?

No. The document-level Rule 10b5-1 checkbox is not checked, so the filing does not affirm that the reported equity award to Joseph B. Bower Jr. was made under a Rule 10b5-1 trading plan.

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

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Available on EDGAR 09/15/2026 - 04:38 PM EDT Accepted by SEC EDGAR 09/15/2026 - 04:38 PM EDT 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^*

BOWER JOSEPH B JR

(Last) (First) (Middle)

4042 ZION ROAD

(Street)

OLANTA PENNSYLVANIA 16863

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2026

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	09/15/2026		A		70	A	$0	2,091.7062	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 AWARDS GRANTED PURSUANT TO THE CITIZENS FINANCIAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN.

	GINA MARIE BOOR FOR JOSEPH B. BOWER, JR UNDER POWER OF ATTORNEY DATED JANUARY 12, 2026	09/15/2026
	** 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)