[Form 4] CITIZENS FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Roger C. Graham Jr., a director of Citizens Financial Services Inc. (CZFS), received a stock award of 94 common shares on 09/15/2025 with an indicated price of $0. After the award, the reporting person beneficially owned 67,447.2748 shares. The Form 4 was filed as a single reporting person filing and signed under power of attorney by Gina Marie Boor dated 08/22/2002.

Insights

Financial Analyst

TL;DR: Director received a small stock award; ownership position changed minimally and is non-material to valuation.

The filing documents a grant of 94 common shares to Roger C. Graham Jr. at an indicated price of $0, described as a "STOCK AWARD." The post-transaction beneficial ownership is 67,447.2748 shares. The transaction date is 09/15/2025 and the Form 4 was executed under a power of attorney. This disclosure is routine insider compensation reporting and does not contain financial performance data or indications of material corporate events.

Corporate Governance Expert

TL;DR: Routine insider award to a director; standard disclosure and properly executed under POA.

The Form 4 shows a director-level recipient and identifies the instrument as a stock award. The filing indicates the report was made by one reporting person and signed via a power of attorney, which is common practice. There are no indications of unusual vesting terms, derivative instruments, or related-party transactions disclosed in this form.

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

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

GRAHAM ROGER C JR

(Last) (First) (Middle)

1281 BRAGUE ROAD

(Street)

CANTON PA 17724

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2025

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	09/15/2025		A		94	A	$0	67,447.2748	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 AWARD

	GINA MARIE BOOR FOR ROGER C. GRAHAM, JR. UNDER POWER OF ATTORNEY DATED 08/22/2002	09/15/2025
	** 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 transaction did Roger C. Graham Jr. report on Form 4 for CZFS?

The Form 4 reports a stock award of 94 common shares received on 09/15/2025.

How many CZFS shares does the reporting person beneficially own after the transaction?

The filing states 67,447.2748 shares beneficially owned following the reported transaction.

What was the reported price for the shares on the Form 4?

The transaction lists a price of $0, and the instrument is described as a STOCK AWARD.

What is the reporting person’s relationship to CZFS?

The reporting person, Roger C. Graham Jr., is identified as a Director of Citizens Financial Services Inc.

Who signed the Form 4 and under what authority?

The Form 4 was signed by Gina Marie Boor under a power of attorney dated 08/22/2002, with execution dated 09/15/2025.