Citizens Financial Services director reports 40-share insider transaction

Citizens Financial Services Inc. director R. Joseph Landy reported a small change in his holdings of the company’s common stock.

Rhea-AI Filing Summary

Citizens Financial Services Inc. director R. Joseph Landy reported a small change in his holdings of the company’s common stock. On 01/12/2026, a code G transaction in the Form 4 shows 40 shares of common stock were transferred at a stated price of $0 per share. Following this transaction, Landy directly beneficially owned 27,783.3892 shares of Citizens Financial Services Inc. common stock. The filing indicates the form was submitted for one reporting person and does not show any derivative securities activity.

Insider Trade Summary

40 shares gifted

Gift 1 txn

Insider LANDY R JOSEPH

Role Director

Type	Security	Shares	Price	Value
Gift	COMMON CLASS	40	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 27,783.3892 shares (Direct)

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider activity did Citizens Financial Services Inc (CZFS) report for R. Joseph Landy?

The filing reports that director R. Joseph Landy had a code G transaction involving 40 shares of COMMON CLASS stock on 01/12/2026.

How many Citizens Financial Services Inc (CZFS) shares did R. Joseph Landy hold after this Form 4 transaction?

After the reported transaction, R. Joseph Landy beneficially owned 27,783.3892 shares of Citizens Financial Services Inc. common stock in direct ownership.

What does the transaction code G indicate in the Citizens Financial Services Inc (CZFS) Form 4?

The Form 4 lists the transaction as code G in the Transaction Code column. The filing excerpt does not further describe the nature of this code G transaction.

Was the Citizens Financial Services Inc (CZFS) insider transaction reported as direct or indirect ownership?

The reported holdings of 27,783.3892 shares following the transaction are shown with ownership form Direct (D), and the nature of indirect ownership field is blank.

Did the Citizens Financial Services Inc (CZFS) Form 4 include any derivative securities for R. Joseph Landy?

No derivative securities are listed for R. Joseph Landy in Table II of the Form 4; the table appears without any derivative entries in the excerpt.

Who signed the Citizens Financial Services Inc (CZFS) Form 4 for 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.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 01/12/2026 - 11:15 AM EST Learn about SEC filing dates

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^*

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)
01/12/2026

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	01/12/2026		G		40	D	$0	27,783.3892	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	01/12/2026
	** 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.