Citizens Financial director gifts 40 shares

CITIZENS FINANCIAL SERVICES INC (CZFS) director Joseph R. Landy reported a bona fide gift of 40 shares of common stock on September 22, 2026.

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC (CZFS) director Joseph R. Landy reported a bona fide gift of 40 shares of common stock on September 22, 2026. The gift carried a reported per-share price of $0.00. After this transaction, he reports 28,051.4652 shares held by direct ownership.

Insider Trade Summary

40 shares gifted

Gift 1 txn

Insider LANDY R JOSEPH

Role Director

Type	Security	Shares	Price	Value
Gift	COMMON CLASS	40	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 28,051.4652 shares (Direct)

Key Figures

Shares gifted: 40 shares Reported price per share: $0.00 per share Shares held after transaction: 28,051.4652 shares

3 metrics

Shares gifted 40 shares Bona fide gift of common stock on September 22, 2026

Reported price per share $0.00 per share Gift transaction on September 22, 2026

Shares held after transaction 28,051.4652 shares Direct ownership reported following the September 22, 2026 gift

Key Terms

bona fide gift, direct ownership, Form 4

3 terms

bona fide gift financial

"The transaction code description states it was a bona fide gift."

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

direct ownership financial

"The ownership type for the reported shares is direct ownership."

Form 4 regulatory

"The insider transaction is reported on SEC 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.

FAQ

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

What insider transaction did CZFS director Joseph R. Landy report?

He reported a bona fide gift of 40 shares of CITIZENS FINANCIAL SERVICES INC common stock on September 22, 2026, with a reported per‑share price of $0.00.

How many CZFS shares did Joseph R. Landy hold after the reported gift?

After the reported gift, Joseph R. Landy held 28,051.4652 shares of CITIZENS FINANCIAL SERVICES INC common stock by direct ownership.

Was the CZFS insider transaction a purchase or sale?

The transaction was neither a market purchase nor sale; it was reported as a bona fide gift of 40 shares of CITIZENS FINANCIAL SERVICES INC common stock.

Did CITIZENS FINANCIAL SERVICES INC receive any proceeds from this Form 4 transaction?

No. The Form 4 reports a bona fide gift of 40 shares at a reported price of $0.00 per share, so it does not describe proceeds to CITIZENS FINANCIAL SERVICES INC.

Was the CZFS insider gift made under a Rule 10b5-1 trading plan?

The filing’s Rule 10b5‑1 checkbox is not affirmed (set to false), and there is no footnote stating that the bona fide gift of 40 shares 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 09/22/2026 - 10:55 AM Accepted by SEC EDGAR 09/22/2026 - 10:55 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^*

LANDY R JOSEPH

(Last) (First) (Middle)

300 NORTH 28TH STREET

(Street)

CAMP HILL PENNSYLVANIA 17011

(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)
09/22/2026

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	09/22/2026		G		40	D	$0	28,051.4652	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 R. JOSEPH LANDY UNDER POWER OF ATTORNEY DATED 08/22/2022	09/22/2026
	** 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)