[Form 4] CITIZENS FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC (CZFS) director Terry B. Osborne received a stock award of 94 common shares on 09/15/2025 at a reported price of $0, leaving him with 13,077 shares beneficially owned after the transaction. The Form 4 was filed individually and signed by an attorney-in-fact on 09/16/2025.

Positive

• Director equity alignment: Terry B. Osborne received a stock award, increasing his ownership to 13,077 shares, which may align his interests with shareholders.
• Timely disclosure: Transaction dated 09/15/2025 and report signed/dated 09/16/2025, indicating prompt Form 4 reporting.

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director received a small stock award increasing his holdings to 13,077 shares; disclosure is routine for Section 16 insiders.

The filing shows a non-derivative stock award of 94 shares recorded 09/15/2025 and reported under Form 4 requirements. The transaction is reported as an acquisition at a $0 price, consistent with a grant rather than a market purchase. Filing was completed by an attorney-in-fact, indicating use of a power of attorney for signature processing.

Securities Analyst

TL;DR: The insider award is disclosed properly; absolute change in holdings is small relative to typical issuer capitalizations.

This Form 4 reports a routine equity grant to a director. The report lists 13,077 shares held after the award. No derivative transactions, dispositions, or sales are reported. There is no additional financial data or commentary to assess material impact on the company or share count beyond this disclosure.

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
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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^*

OSBORNE TERRY B

(Last) (First) (Middle)

110 MCINTYRE STREET

(Street)

BLOSSBURG PA 16912

(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	13,077	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 TERRY B. OSBORNE UNDER POWER OF ATTORNEY DATED 08/29/2002	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 Terry B. Osborne report on the Form 4 for CZFS?

The Form 4 reports a stock award of 94 common shares acquired on 09/15/2025.

How many CZFS shares does Terry B. Osborne own after the reported transaction?

He beneficially owns 13,077 shares following the reported award.

Was the reported acquisition a purchase or an award, and what price was reported?

The acquisition is reported as a stock award with a reported price of $0.

Who signed the Form 4 filing for Terry B. Osborne?

The Form 4 was signed by Gina Marie Boor under power of attorney for Terry B. Osborne on 09/16/2025.

Does the filing disclose any derivative transactions for CZFS by this reporting person?

No; Table II for derivative securities contains no transactions—only a non-derivative stock award is reported.