[Form 4] Citizens Financial Services, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Citizens Financial Services (CZFS) insider filing: Senior Vice President Stephen J. Guillaume reported a sale of 4,523.8348 common shares on 08/31/2025 at a reported price of $56.96 per share. The Form 4 was signed under power of attorney by Gina Marie Boor on 09/02/2025. The filing lists the reporter's address in Liberty, PA and indicates the report was filed by one reporting person.

Positive

• None.

Negative

• Reported insider sale of 4,523.8348 common shares on 08/31/2025 at $56.96 per share
• No disclosure in the filing that the transaction was made pursuant to a Rule 10b5-1 plan or similar pre-arranged plan

Insights

Securities Analyst

TL;DR: Officer sale of 4,523.8348 shares at $56.96 is a routine insider disposition requiring disclosure.

The transaction is a non-derivative sale by a senior officer, reported promptly on Form 4. The filing includes the transaction date and per-share price, and the signature was provided under power of attorney. There is no additional contextual information such as reason for sale, whether it was pre-arranged under a Rule 10b5-1 plan, or the proportion of total holdings sold, so material investor interpretation is limited to the fact of an open-market or otherwise reported sale.

Corporate Governance Expert

TL;DR: Disclosure is complete for the reported sale but lacks detail on any pre-established trading plan.

The Form 4 supplies the essential legal disclosure elements: reporting person, relationship to issuer, transaction date, number of shares, and price. The absence of any checkbox or text indicating a Rule 10b5-1 trading plan or a contractual arrangement means readers cannot determine whether the sale was pre-planned or discretionary. From a governance perspective, the filing meets SEC reporting requirements but does not provide governance context.

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^*

Guillaume Stephen J

(Last) (First) (Middle)

POST OFFICE BOX 43

(Street)

LIBERTY PA 16930

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
08/31/2025

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	08/31/2025		P		13	A	$56.96	4,523.8348	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 STEPHEN J. GUILLAUME UNDER POWER OF ATTORNEY DATED 10/25/2019	09/02/2025
	** 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.

FAQ

What insider transaction did Stephen J. Guillaume report for CZFS?

He reported a sale of 4,523.8348 common shares on 08/31/2025 at $56.96 per share.

When was the Form 4 for CZFS signed and by whom?

The Form 4 was signed under power of attorney by Gina Marie Boor on 09/02/2025.

What is Stephen J. Guillaume's role at Citizens Financial Services (CZFS)?

The filing lists him as a Senior Vice President and an officer of the issuer.

Does the Form 4 indicate the sale was under a 10b5-1 trading plan?

No. The filing does not indicate the transaction was executed pursuant to a Rule 10b5-1 plan.

What address is listed for the reporting person on the Form 4?

The Form lists the reporting person’s address as Post Office Box 43, Liberty, PA 16930.