[Form 4] Citizens Financial Services, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Citizens Financial Services (CZFS) director Janie M. Hilfiger reported a Form 4 filing on June 27, 2025, disclosing the acquisition of 31.8302 shares of common stock at $60.42 per share through a 1% stock dividend. Following this transaction, Hilfiger's direct ownership increased to 3,396.8537 shares.

Key details of the transaction:

• Transaction Code: J (Other)
• Nature: 1% stock dividend based on declaration date market price
• Ownership: Direct
• Filing was submitted by Gina Marie Boor under power of attorney dated 02/15/2022

This routine transaction represents a standard stock dividend distribution to shareholders, with no market purchases or sales involved. The filing indicates continued insider ownership alignment with shareholder interests.

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).

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^*

Hilfiger Janie M

(Last) (First) (Middle)

830 CANADA ROAD

(Street)

COVINGTON PA 16917

(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)
06/27/2025

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	06/27/2025		J		31.8302	A	$60.42	3,396.8537	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:

1% STOCK DIVIDEND BASED ON THE DECLARATION DATE MARKET PRICE OF $60.42.

	GINA MARIE BOOR FOR JANIE M. HILFIGER UNDER POWER OF ATTORNEY DATED 02/15/2022	06/27/2025
	** 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 insider transaction did CZFS director Janie M. Hilfiger report on June 27, 2025?

Director Janie M. Hilfiger received 31.8302 shares of CZFS common stock at $60.42 per share through a 1% stock dividend, bringing her total beneficial ownership to 3,396.8537 shares held directly.

How many shares of CZFS does Director Hilfiger own after the June 2025 transaction?

Following the reported transaction, Director Janie M. Hilfiger beneficially owns 3,396.8537 shares of CZFS common stock held in direct ownership (D).

What was the price per share for CZFS's stock dividend transaction in June 2025?

The stock dividend was based on a market price of $60.42 per share on the declaration date.

Who has power of attorney for CZFS Director Janie Hilfiger's securities transactions?

Gina Marie Boor has power of attorney for Janie M. Hilfiger's securities transactions, under a power of attorney dated February 15, 2022.

What type of dividend did CZFS issue to shareholders in June 2025?

CZFS issued a 1% stock dividend to shareholders, as reported in Director Hilfiger's Form 4 filing.