Citizens Financial (CZFS) director reports bona fide gift of 20 shares

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC director R. Joseph Landy reported a small gift of shares. On this Form 4, he transferred 20.0000 shares of COMMON CLASS stock as a bona fide gift at a stated price of $0.0000 per share, and directly held 28,041.4652 shares afterward.

Insider Trade Summary

20 shares gifted

Mixed 1 txn

Insider LANDY R JOSEPH

Role null

Type	Security	Shares	Price	Value
Gift	COMMON CLASS	20	$0.00	--

Holdings After Transaction: COMMON CLASS — 28,041.465 shares (Direct, null)

Footnotes (1)

Key Figures

Gifted shares: 20.0000 shares Price per gifted share: $0.0000 per share Shares held after transaction: 28,041.4652 shares +2 more

5 metrics

Gifted shares 20.0000 shares COMMON CLASS shares transferred as bona fide gift

Price per gifted share $0.0000 per share Stated transaction price for the gift transfer

Shares held after transaction 28,041.4652 shares Total_shares_following_transaction field, direct ownership

Gift transaction count 1 gift transactionSummary giftCount for this Form 4

Gift shares total 20 shares transactionSummary giftShares for the filing

Key Terms

Bona fide gift, COMMON CLASS, transaction_code, total_shares_following_transaction

4 terms

Bona fide gift financial

"transaction_code_description: "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.

COMMON CLASS financial

"security_title: "COMMON CLASS""

transaction_code financial

"transaction_code: "G""

total_shares_following_transaction financial

"total_shares_following_transaction": "28041.4652""

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Available on EDGAR 07/09/2026 - 09:46 AM Accepted by SEC EDGAR 07/09/2026 - 09:46 AM Learn about SEC filing dates

FAQ

What insider transaction did CITIZENS FINANCIAL SERVICES INC (CZFS) report for R. Joseph Landy?

R. Joseph Landy reported a bona fide gift of 20.0000 COMMON CLASS shares. The Form 4 classifies this as a non-derivative transaction and a gift transfer with no sale proceeds, reflecting a small reduction in his direct shareholdings.

Was the CITIZENS FINANCIAL SERVICES INC (CZFS) Form 4 transaction a buy or a sell?

The Form 4 does not show a buy or sell; it records a gift transfer. The transaction code is G, described as a bona fide gift, and the transaction_direction field classifies it as a dispose event rather than an open-market trade.

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

After the gift, R. Joseph Landy directly held 28,041.4652 COMMON CLASS shares. This post-transaction balance, shown in the total_shares_following_transaction field, indicates that the 20.0000-share gift represented only a very small portion of his overall holdings.

What was the price per share for the CZFS shares in this Form 4 gift?

The Form 4 lists a transaction price per share of $0.0000 for the gifted shares. That reflects the nature of a bona fide gift, where shares are transferred without consideration, rather than an open-market purchase or sale involving a monetary price.

Does the CITIZENS FINANCIAL SERVICES INC (CZFS) Form 4 show any derivative transactions?

The insider filing reports no derivative transactions for this event. The derivativeSummary is empty and the derivativeTransactionCount in the transactionSummary is zero, indicating only a single non-derivative gift of 20.0000 COMMON CLASS shares was reported.

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)
07/09/2026

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	07/09/2026		G		20	D	$0	28,041.4652	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	07/09/2026
	** 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)