[Form 4] CITIZENS FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Janie M. Hilfiger, a director of Citizens Financial Services Inc. (ticker: CZFS), reported a non-derivative acquisition of 94 shares of the company's common stock on 09/15/2025. The transaction is recorded as an “A” (acquisition) with a price listed as $0 and described in the remarks as a stock award. Following the reported transaction the filing shows 3,511.6215 shares beneficially owned. The Form 4 was filed as a single reporting person filing and the signature block shows Gina Marie Boor signing on behalf of Janie M. Hilfiger under a power of attorney dated 02/15/2022, with the signature dated 09/16/2025.

Positive

• Director received a stock award of 94 shares, aligning compensation with shareholder interests
• Form 4 discloses power of attorney use with agent name and POA date, supporting filing transparency

Negative

• None.

Insights

Financial Analyst

TL;DR: A routine director stock award of 94 shares was reported; this is a standard insider compensation disclosure with limited market impact.

The filing documents a grant of 94 common shares to a director as a stock award, recorded at a $0 price in the Form 4. The post-transaction beneficial ownership of 3,511.6215 shares indicates the director already held a position in the company. This disclosure is typical for director compensation and does not itself change capital structure or outstanding share counts. No derivative transactions, dispositions, or purchase payments are recorded in this filing.

Corporate Governance Expert

TL;DR: The report reflects a standard equity award to a director and proper use of a power of attorney for filing; governance implications are routine.

The Form 4 shows the issuer, the reporting person’s role as a director, and an acquisition coded as a stock award. The presence of a power of attorney signature is disclosed, including the agent name and POA date, which meets common disclosure practices. There are no departures, option exercises, or corrective amendments noted that would raise governance concerns in this document alone.

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^*

Hilfiger Janie M

(Last) (First) (Middle)

830 CANADA ROAD

(Street)

COVINGTON PA 16917

(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	3,511.6215	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 JANIE M. HILFIGER UNDER POWER OF ATTORNEY DATED 02/15/2022	09/16/2025
	** 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 Janie M. Hilfiger report on Form 4 for CZFS?

The Form 4 reports an acquisition of 94 shares of CZFS common stock on 09/15/2025, described as a stock award.

How many CZFS shares does Janie M. Hilfiger beneficially own after the transaction?

The filing shows 3,511.6215 shares beneficially owned following the reported transaction.

Was any cash paid for the shares reported in the Form 4?

The transaction lists a price of $0, and the remarks identify the grant as a stock award.

Who signed the Form 4 filing for Janie M. Hilfiger?

The Form 4 was signed by Gina Marie Boor for Janie M. Hilfiger under a power of attorney dated 02/15/2022, with the signature dated 09/16/2025.

Does the Form 4 show any derivative transactions or dispositions?

No. The filing shows a non-derivative acquisition only; Table II (derivatives) contains no reported transactions.