Citizens Financial Services insider increases direct holdings

Rhea-AI Filing Summary

Citizens Financial Services (CZFS) reported insider purchases by CEO & President, Randall E. Black. On 11/03/2025, he bought 278 shares at $54 and 200 shares at $54.25 in open‑market transactions.

Following these trades, his direct holdings totaled 44,013 shares. He also has indirect beneficial ownership of 316 shares held by spouse. The filing was submitted under a power of attorney signed by Gina Marie Boor.

Insider Trade Summary

Net Buyer: 478 shares ($25,862)

Net Buy 3 txns

Insider BLACK RANDALL E

Role CEO & PRESIDENT

Bought 478 shs ($26K)

Type	Security	Shares	Price	Value
Purchase	COMMON CLASS	278	$54.00	$15K
Purchase	COMMON CLASS	200	$54.25	$11K
holding	COMMON CLASS	--	--	--

Holdings After Transaction: COMMON CLASS — 43,813 shares (Direct); COMMON CLASS — 316 shares (Indirect, BY SPOUSE)

Footnotes (1)

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^*

BLACK RANDALL E

(Last) (First) (Middle)

POST OFFICE BOX 19

(Street)

LIBERTY PA 16930

(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
X	Officer (give title below)		Other (specify below)
	CEO & PRESIDENT

3. Date of Earliest Transaction (Month/Day/Year)
11/03/2025

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	11/03/2025		P		278	A	$54	43,813	D
COMMON CLASS	11/03/2025		P		200	A	$54.25	44,013	D
COMMON CLASS								316	I	BY SPOUSE

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 RANDALL E. BLACK UNDER POWER OF ATTORNEY DATED 08/30/2002	11/04/2025
	** 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 did CZFS insider Randall E. Black buy?

He purchased 278 shares at $54 and 200 shares at $54.25 on 11/03/2025.

What are Randall E. Black’s holdings after the transactions (CZFS)?

His direct holdings are 44,013 shares, plus 316 shares held indirectly by spouse.

What is the filing type for this CZFS disclosure?

This is a Form 4, reporting changes in beneficial ownership by an insider.

What is Randall E. Black’s role at CZFS?

He is CEO & President and a Director.

Were these purchases open-market transactions?

Yes. The transactions are coded P, indicating open‑market or private purchases.

Is there indirect ownership reported for CZFS?

Yes. 316 shares are reported as indirect ownership by spouse.