STOCK TITAN

CITIZENS FINANCIAL (CZFS) EVP reports open-market sale of 15 shares

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC executive vice president LeeAnn Gephart reported an open-market sale of company stock. She sold 15 shares of COMMON CLASS stock at a price of $71.52 per share. After this transaction, she directly holds 946 shares of the company’s common stock.

Positive

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Insider Gephart LeeAnn
Role EXECUTIVE VICE PRESIDENT
Sold 15 shs ($1K)
Type Security Shares Price Value
Sale COMMON CLASS 15 $71.52 $1K
Holdings After Transaction: COMMON CLASS — 946 shares (Direct, null)
Footnotes (1)
Shares sold 15 shares Open-market sale of COMMON CLASS stock
Sale price per share $71.52 per share Price for the 15 shares sold
Shares held after transaction 946 shares Direct holdings following the sale
Net shares sold 15 shares Net-sell direction in transaction summary
open-market sale financial
"The transaction action is listed as an open-market sale."
An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.
COMMON CLASS financial
"The security title for the transaction is COMMON CLASS."
Form 4 regulatory
"The insider transaction is disclosed on a Form 4 filing."
Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.
executive vice president financial
"LeeAnn Gephart serves as an executive vice president."
An executive vice president is a high-ranking leader within a company who oversees major parts of its operations or strategies. Think of them as senior managers responsible for important areas, similar to a vice principal in a school hierarchy. Their role matters to investors because they help guide the company's success and decision-making at the top level.
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FAQ

What insider transaction did CZFS executive LeeAnn Gephart report on this Form 4?

LeeAnn Gephart reported an open-market sale of company stock. She sold 15 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock on the reported date at a price of $71.52 per share.

What price did LeeAnn Gephart receive per share in the CZFS stock sale?

She sold her CITIZENS FINANCIAL SERVICES INC COMMON CLASS shares at $71.52 per share. This price reflects the execution level for the 15 shares disclosed as an open-market sale in the Form 4 transaction details.

How many CZFS shares does LeeAnn Gephart hold after this Form 4 transaction?

After the reported sale, LeeAnn Gephart holds 946 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock directly. This post-transaction balance is shown in the Form 4 as the total shares following the transaction.

Was the CZFS insider transaction by LeeAnn Gephart a purchase or a sale?

The transaction was a sale of shares. The Form 4 lists the transaction code as “S” and describes the action as an open-market sale, indicating disposition rather than acquisition of CITIZENS FINANCIAL SERVICES INC stock.

Does the Form 4 for CZFS show any derivative securities for LeeAnn Gephart?

The filing does not show any derivative securities for this transaction. The derivativeSummary section is empty, indicating no options, warrants, or other derivative positions were reported or changed in this particular Form 4 filing.
SEC Form 4
FORM 4UNITED 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*
Gephart LeeAnn

(Last)(First)(Middle)
2260 HEIM HILL ROAD

(Street)
MONTOURSVILLE PENNSYLVANIA 17754

(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)
Director10% Owner
XOfficer (give title below)Other (specify below)
EXECUTIVE VICE PRESIDENT
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/09/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
COMMON CLASS07/09/2026S15D$71.52946D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
GINA MARIE BOOR FOR LEEANN GEPHART UNDER POWER OF ATTORNEY DATED 04/21/202307/09/2026
** Signature of Reporting PersonDate
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)