CZFS Insider Filing: Landy Reports 27,870.1881 Shares After 20-Share Disposition

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC (CZFS) Form 4 summary: Director R. Joseph Landy is reported as the reporting person, with an Athens, PA address. On 09/29/2025 a transaction in the company’s common stock is reported with transaction code G showing 20 shares disposed at a price of $0. Following the reported transaction, the filing lists 27,870.1881 shares beneficially owned, shown as Direct ownership. The Form 4 was signed on behalf of R. Joseph Landy by Gina Marie Boor under a power of attorney dated 08/22/2022.

Insights

Securities Analyst

TL;DR Director reported a small disposition of 20 shares by code G, with substantial retained direct ownership of 27,870.1881 shares.

This Form 4 reports a single non-derivative transaction dated 09/29/2025. The use of transaction code G and a price of $0 are explicitly shown in the filing; no additional details about consideration or reason are provided. The filing confirms continued direct beneficial ownership of 27,870.1881 shares after the transaction and indicates the form was filed under power of attorney.

Corporate Governance Expert

TL;DR Routine insider reporting: small reported disposition, form filed by POA, no governance red flags disclosed.

The document identifies R. Joseph Landy as a director and shows a one-line change in holdings on 09/29/2025. The signature block indicates filing via a power of attorney dated 08/22/2022 executed by Gina Marie Boor. The filing contains no disclosure of options, derivative activity, or management changes.

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^*

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)
09/29/2025

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	09/29/2025		G		20	D	$0	27,870.1881	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:

	GINA MARIE BOOR FOR R. JOSEPH LANDY UNDER POWER OF ATTORNEY DATED 08/22/2022	09/29/2025
	** 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 the Form 4 for CZFS?

The Form 4 reports a non-derivative transaction on 09/29/2025 with transaction code G showing 20 shares disposed at a price of $0.

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

The filing shows 27,870.1881 shares beneficially owned following the reported transaction, listed as Direct ownership.

What is the reporting person’s relationship to CZFS?

The filing identifies R. Joseph Landy as a Director of CITIZENS FINANCIAL SERVICES INC (CZFS).

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.

Does this Form 4 report any derivative securities or option exercises for CZFS?

No. Table II for derivative securities contains no reported transactions or holdings in this filing.