[Form 4] CITIZENS FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

John P. Painter II, a director of Citizens Financial Services Inc. (CZFS), received a 94-share stock award on 09/15/2025, bringing his total beneficial ownership to 2,620.0558 shares. The transaction is recorded as a non-derivative, zero-price award and the Form 4 was signed under power of attorney by Gina Marie Boor on 09/16/2025. The filing discloses no other transactions or derivative positions.

Positive

• Insider transparency: Director stock award clearly disclosed on Form 4
• Minor alignment: Additional shares align executive interests with shareholders

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: A routine director stock award; immaterial to company capital structure.

The Form 4 documents a small, zero-cost stock award to an existing director that modestly increases his share count to 2,620.0558 shares. This appears to be compensation-related and was executed under power of attorney. The size of the award is small relative to typical public-company free float and shows no change in control or significant dilution. Filing is procedural and consistent with director compensation practices.

Securities Analyst

TL;DR: Transaction is immaterial to valuation and presents no market-moving information.

The reported acquisition of 94 common shares at $0 is recorded as a stock award rather than an open-market purchase, increasing reported beneficial ownership slightly. There are no derivative holdings reported and no indication of additional purchases or disposals. This disclosure provides transparency on insider compensation but is unlikely to affect investor valuation or share supply materially.

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^*

Painter John P II

(Last) (First) (Middle)

571 HOWLAND HILL ROAD

(Street)

WESTFIELD PA 16950

(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	2,620.0558	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 JOHN P. PAINTER II UNDER POWER OF ATTORNEY DATED 02/01/2023	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 did CZFS director John P. Painter II report on Form 4?

He reported receiving a 94-share stock award on 09/15/2025, increasing his beneficial ownership to 2,620.0558 shares.

Was the CZFS transaction an open-market purchase or awarded shares?

The Form 4 classifies the transaction as a stock award with a reported price of $0, not an open-market purchase.

Who signed the Form 4 for John P. Painter II?

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

Did the filing report any derivative securities for CZFS insider?

No. Table II shows no derivative securities were reported for the reporting person.

How significant is the 94-share award to CZFS shareholders?

The award is small and routine; the filing contains no indication of material dilution or change in control.