Citizens Financial (CZFS) director awarded 99 shares, now holds 1,933

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC director Joseph B. Bower Jr. received a stock award. On April 30, 2026, he acquired 99 shares of COMMON CLASS stock as a grant, award, or other acquisition, at a reported price of $0.00 per share. After this award, he directly holds 1,933 COMMON CLASS shares in total.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider BOWER JOSEPH B JR

Role null

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	99	$0.00	--

Holdings After Transaction: COMMON CLASS — 1,933 shares (Direct, null)

Footnotes (1)

Key Figures

Shares granted: 99 shares Grant price: $0.00 per share Shares held after transaction: 1,933 shares

3 metrics

Shares granted 99 shares COMMON CLASS grant on April 30, 2026

Grant price $0.00 per share Reported transaction price for the 99-share award

Shares held after transaction 1,933 shares Total direct COMMON CLASS holdings after the grant

Key Terms

Form 4, Grant, award, or other acquisition, COMMON CLASS

3 terms

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.

Grant, award, or other acquisition financial

""transaction_code_description": "Grant, award, or other acquisition""

COMMON CLASS financial

""security_title": "COMMON CLASS""

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^*

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)
04/30/2026

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	04/30/2026		A		99	A	$0	1,933	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	04/30/2026
	** 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 CZFS director Joseph B. Bower Jr. report?

Director Joseph B. Bower Jr. reported receiving a grant of 99 COMMON CLASS shares. The transaction was coded as a grant, award, or other acquisition under code A, indicating compensation-related stock rather than an open-market purchase or sale.

Was the CZFS insider transaction a market buy or sell of shares?

The filing shows a grant of shares, not a market trade. The 99 COMMON CLASS shares were acquired at a reported price of $0.00 per share as a grant, award, or other acquisition, rather than a typical open-market buy or sell transaction.

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

After receiving the 99-share grant, Joseph B. Bower Jr. directly holds 1,933 COMMON CLASS shares. This total reflects his direct ownership position following the April 30, 2026 compensation-related stock award disclosed in the Form 4 filing.

What does transaction code A mean in the CZFS Form 4 filing?

Transaction code A in the CZFS Form 4 represents a grant, award, or other acquisition. In this case, it indicates that 99 COMMON CLASS shares were issued to the director as a compensation-related award, rather than being purchased on the open market.

Does the CZFS Form 4 show any derivative securities for the insider?

The Form 4 derivative summary is empty, indicating no derivative transactions were reported in this filing. The only activity disclosed is the non-derivative grant of 99 COMMON CLASS shares, with total direct holdings reported at 1,933 shares afterward.