CZFS EVP granted 153 Citizens Financial shares

Gephart LeeAnn reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Gephart LeeAnn reported acquisition or exercise transactions in this Form 4 filing.

CITIZENS FINANCIAL SERVICES INC Executive Vice President LeeAnn Gephart reported a routine equity award. She received a grant of 153 shares of common stock at a stated price of $0.0000 per share, increasing her direct holdings to 961 shares of common stock after the transaction.

Insider Trade Summary

Grant/Award: 153 shares

Grant/Award 1 txn

Insider Gephart LeeAnn

Role EXECUTIVE VICE PRESIDENT

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	153	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 961 shares (Direct)

Key Figures

Shares granted: 153 shares Price per share: $0.0000 per share Total shares after transaction: 961 shares

3 metrics

Shares granted 153 shares Grant, award, or other acquisition on 2026-06-25

Price per share $0.0000 per share Stated transaction price for granted shares

Total shares after transaction 961 shares Direct holdings of common stock following grant

Key Terms

Form 4, Grant, award, or other acquisition, Executive Vice President, non-derivative

4 terms

Form 4 regulatory

"INSIDER FILING DATA (Form 4)"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Grant, award, or other acquisition financial

"transaction_code_description: "Grant, award, or other acquisition""

Executive Vice President financial

"officer_title: "EXECUTIVE VICE PRESIDENT""

An executive vice president is a high-ranking leader within a company who oversees major parts of its operations or strategies. Think of them as senior managers responsible for important areas, similar to a vice principal in a school hierarchy. Their role matters to investors because they help guide the company's success and decision-making at the top level.

non-derivative financial

"transaction_type: "non-derivative""

FAQ

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

What insider transaction did CZFS Executive Vice President LeeAnn Gephart report?

LeeAnn Gephart reported receiving a grant of 153 shares of CITIZENS FINANCIAL SERVICES INC common stock. The Form 4 identifies the transaction as a grant, award, or other acquisition, recorded at a stated price of $0.0000 per share.

How many CZFS shares does LeeAnn Gephart hold after this Form 4 filing?

After the reported transaction, LeeAnn Gephart directly holds 961 shares of CITIZENS FINANCIAL SERVICES INC common stock. This total includes the 153-share grant disclosed, and the ownership is listed as direct in the filing data.

Was the CZFS insider transaction by LeeAnn Gephart a purchase or a grant?

The transaction was a grant, not an open-market purchase. The Form 4 codes it as an “A” transaction, described as a grant, award, or other acquisition, with 153 shares received at a stated price of $0.0000 per share.

Does the CZFS Form 4 show any share sales by LeeAnn Gephart?

The filing shows no share sales for LeeAnn Gephart. It reports one acquisition transaction coded as a grant or award, with no sell transactions, derivative exercises, gifts, or tax-withholding dispositions indicated in the transaction summary.

What type of security did LeeAnn Gephart receive in the CZFS Form 4 filing?

She received 153 shares of “COMMON CLASS” stock of CITIZENS FINANCIAL SERVICES INC. The filing classifies the transaction as non-derivative common stock, recorded under direct ownership following the grant.

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

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Accepted by SEC EDGAR 06/26/2026 - 09:37 AM EDT 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^*

Gephart LeeAnn

(Last) (First) (Middle)

2260 HEIM HILL ROAD

(Street)

MONTOURSVILLE PENNSYLVANIA 17754

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
CITIZENS FINANCIAL SERVICES INC [ CZFS ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EXECUTIVE VICE PRESIDENT

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/25/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	06/25/2026		A		153	A	$0	961	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 AWARDS GRANTED PURSUANT TO THE CITIZENS FINANCAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN VEST IN THREE EQUAL ANNUAL INSTALLMENTS COMMENCING JUNE 25, 2027.

	GINA MARIE BOOR FOR LEEANN GEPHART UNDER POWER OF ATTORNEY DATED 04/21/2023	06/26/2026
	** 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.
* Form 4: SEC 1474 (03-26)