[Form 4] CITIZENS FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

R. Joseph Landy, a director of Citizens Financial Services Inc. (CZFS), received a stock award of 94 common shares on 09/15/2025 at a reported price of $0. Following the award, the filing reports 27,890.1881 shares beneficially owned. The Form 4 was signed on behalf of Mr. Landy by Gina Marie Boor under a power of attorney dated 08/22/2022 and filed 09/16/2025.

Positive

• Insider disclosure completed for director equity grant, meeting Section 16 reporting requirements
• Stock award explicitly identified with transaction code and $0 price, clarifying the nature of the grant

Negative

• None.

Insights

Financial Analyst

TL;DR: A director received a small stock award; ownership updated but the filing shows no cash purchase.

The Form 4 documents a non‑derivative grant of 94 common shares to director R. Joseph Landy on 09/15/2025, recorded at a price of $0, consistent with a stock award rather than an open‑market purchase. Post‑transaction beneficial ownership is listed as 27,890.1881 shares. This is a routine insider disclosure updating ownership following a grant and was executed under a power of attorney.

Corporate Governance Expert

TL;DR: Director grant disclosed and executed via POA; appears to be standard equity compensation reporting.

The disclosure identifies Mr. Landy as a director and records a stock award transaction with the filing signed by an authorized representative under a documented power of attorney dated 08/22/2022. The transaction code and $0 price are labeled as a stock award in the remarks. The filing fulfills Section 16 reporting requirements by updating the director's beneficial ownership.

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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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).

1. Name and Address of Reporting Person^*

LANDY R JOSEPH

(Last) (First) (Middle)

741 SOUTH MAIN STREET

(Street)

ATHENS PA 18810

(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	27,890.1881	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 R. JOSEPH LANDY UNDER POWER OF ATTORNEY DATED 08/22/2022	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 R. Joseph Landy report on Form 4 for CZFS?

The Form 4 reports a stock award of 94 common shares acquired on 09/15/2025 by director R. Joseph Landy.

How many CZFS shares does R. Joseph Landy beneficially own after the transaction?

The filing reports 27,890.1881 shares beneficially owned following the reported transaction.

What price was reported for the CZFS shares acquired by the director?

The transaction lists a reported price of $0, with a remark indicating it was a stock award.

Who signed the Form 4 on behalf of R. Joseph Landy?

The Form 4 was signed by Gina Marie Boor for R. Joseph Landy under a power of attorney dated 08/22/2022.

When was the Form 4 transaction dated and when was the form signed/filed?

The transaction date is 09/15/2025 and the signature by the POA is dated 09/16/2025.