Citizens Financial (NASDAQ: CZFS) director receives 88-share stock grant

Rhea-AI Filing Summary

BOWER JOSEPH B JR reported acquisition or exercise transactions in this Form 4 filing.

CITIZENS FINANCIAL SERVICES INC director Joseph B. Bower Jr. received a grant of 88 shares of COMMON CLASS stock. The shares were awarded at a price of $0.00 per share, indicating a compensation-related grant rather than a market purchase. Following this award, he directly holds 2,021 shares of the company’s common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider BOWER JOSEPH B JR

Role null

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	88	$0.00	--

Holdings After Transaction: COMMON CLASS — 2,021 shares (Direct, null)

Footnotes (1)

Key Figures

Shares granted: 88 shares Grant price: $0.00 per share Total shares held after grant: 2,021 shares

3 metrics

Shares granted 88 shares Non-derivative stock grant on 2026-06-15

Grant price $0.00 per share Price for 88-share award

Total shares held after grant 2,021 shares Director’s direct holdings following transaction

Key Terms

Grant, award, or other acquisition, non-derivative, COMMON CLASS

3 terms

Grant, award, or other acquisition financial

"transaction_code_description: "Grant, award, or other acquisition""

non-derivative financial

"transaction_type is listed as "non-derivative" for the stock grant"

COMMON CLASS financial

"security_title is described as "COMMON CLASS""

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Form 4 Insider Transactions: What Each Field Means →

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^*

BOWER JOSEPH B JR

(Last) (First) (Middle)

4042 ZION ROAD

(Street)

OLANTA PENNSYLVANIA 16863

(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)
06/15/2026

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	06/15/2026		A		88	A	$0	2,021	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 AWARDS GRANTED PURSUANT TO THE CITIZENS FINANCIAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN.

	GINA MARIE BOOR FOR JOSEPH B. BOWER, JR UNDER POWER OF ATTORNEY DATED JANUARY 12, 2026	06/16/2026
	** 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)

FAQ

What insider transaction did CZFS director Joseph B. Bower Jr. report?

Director Joseph B. Bower Jr. reported receiving a grant of 88 shares of COMMON CLASS stock. The shares were awarded as a non-derivative grant at $0.00 per share, increasing his direct holdings to 2,021 shares.

Was the CZFS insider transaction a purchase or a grant of shares?

The CZFS insider transaction was a grant, not a market purchase. The Form 4 shows 88 shares acquired under code "A", described as a "Grant, award, or other acquisition" with a price of $0.00 per share.

How many CZFS shares does Joseph B. Bower Jr. hold after this Form 4 filing?

After the reported grant, Joseph B. Bower Jr. directly holds 2,021 COMMON CLASS shares. This figure reflects his total direct ownership following the 88-share award reported in the Form 4 transaction.

Did the CZFS insider pay cash for the 88 granted shares?

No cash was paid for the 88 granted shares. The Form 4 lists a transaction price per share of $0.00, confirming the shares were awarded as compensation rather than purchased in the open market.

What does transaction code "A" mean in the CZFS Form 4 filing?

In this CZFS Form 4, transaction code "A" indicates a grant, award, or other acquisition. The filing labels the 88-share transaction as a non-derivative grant, reflecting a compensation-related award of common stock to the reporting person.