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

Rhea-AI Filing Summary

Citizens Financial Services, Inc. (CZFS) – Form 4 filing

Executive Vice President Jeffrey L. Wilson reported the receipt of 79.4723 shares of CZFS common stock on 06/27/2025. The shares were issued as a 1 % stock dividend based on the declaration-date market price of $60.42 per share (Transaction Code J). Following the dividend, Wilson’s direct beneficial ownership increased to 8,026.7008 shares. No shares were sold and no derivative securities were involved.

Insights

Financial Analyst

TL;DR: Routine Form 4 shows a small stock-dividend addition; no buying or selling pressure implied.

The filing discloses that EVP Jeffrey L. Wilson received 79.4723 additional CZFS shares through the company’s 1 % stock dividend. Because the transaction is coded “J,” it is a non-open-market, non-discretionary event and therefore offers minimal insight into insider sentiment. Post-transaction ownership stands at 8,026.7008 shares, a modest direct stake. No derivatives were exercised or disposed of. For investors, the event is neutral; it neither signals accumulation nor divestiture and has no material impact on capital structure.

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^*

WILSON JEFFREY L

(Last) (First) (Middle)

11 IVES STREET

(Street)

WELLSBORO PA 16901

(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)
	EXECUTIVE VICE PRESIDENT

3. Date of Earliest Transaction (Month/Day/Year)
06/27/2025

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	06/27/2025		J		79.4723	A	$60.42	8,026.7008	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:

1% STOCK DIVIDEND BASED ON THE DECLARATION DATE MARKET PRICE OF $60.42.

	GINA MARIE BOOR FOR JEFFREY L WILSON UNDER POWER OF ATTORNEY DATED 10/12/2010	06/27/2025
	** 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 CZFS report on Form 4 dated 06/27/2025?

EVP Jeffrey L. Wilson received 79.4723 common shares via a 1 % stock dividend (Transaction Code J).

How many CZFS shares does Jeffrey L. Wilson now own directly?

After the dividend, he owns 8,026.7008 shares of CZFS common stock.

Was the transaction an open-market purchase or sale?

No. The code “J” indicates a non-market acquisition tied to the company’s stock dividend.

What was the reference price for the dividend shares?

The 1 % stock dividend was based on a $60.42 market price per share as of the declaration date.

Did the Form 4 disclose any derivative security activity?

No derivative securities were acquired, disposed of, or held in the report.