Citizens Financial Services director reports share disposition

Citizens Financial Services director reported a disposition of 266 shares of common stock on 12/05/2025, with transaction code G and a per-share transaction price of $0.

Rhea-AI Filing Summary

Citizens Financial Services director reported a disposition of 266 shares of common stock on 12/05/2025, with transaction code G and a per-share transaction price of $0.

After this transaction, the director directly beneficially owns 27,727.3892 shares of Citizens Financial Services common stock. The report was signed by Gina Marie Boor for R. Joseph Landy under a power of attorney dated 08/22/2022.

Insider Trade Summary

266 shares gifted

Gift 1 txn

Insider LANDY R JOSEPH

Role Director

Type	Security	Shares	Price	Value
Gift	COMMON CLASS	266	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 27,727.3892 shares (Direct)

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider stock transaction did Citizens Financial Services (CZFS) report?

The company disclosed that a director disposed of 266 shares of Citizens Financial Services common stock on 12/05/2025, recorded with transaction code G at a reported price of $0 per share.

How many Citizens Financial Services (CZFS) shares does the director own after the transaction?

Following the reported transaction, the director directly beneficially owns 27,727.3892 shares of Citizens Financial Services common stock.

What is the relationship of the reporting person to Citizens Financial Services (CZFS)?

The reporting person is identified as a Director of Citizens Financial Services Inc.

Was the Citizens Financial Services (CZFS) ownership report filed by one person or a group?

The document indicates that the form was filed by one reporting person, not by more than one reporting person or a group.

Who signed the Citizens Financial Services (CZFS) insider ownership report and under what authority?

The report was signed by Gina Marie Boor for R. Joseph Landy under a power of attorney dated 08/22/2022, with a signature date of 12/08/2025.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 12/08/2025 - 10:20 AM Learn about SEC filing dates

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)

741 SOUTH MAIN STREET

(Street)

ATHENS PA 18810

(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)
12/05/2025

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	12/05/2025		G		266	D	$0	27,727.3892	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	12/08/2025
	** 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.