Citizens Financial director gets 70-share award

Director Terry B. Osborne received a 70-share stock award in CZFS under the 2026 Equity Incentive Plan, bringing his direct holdings to 13,430 shares.

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. OSBORNE TERRY B reported acquisition or exercise transactions in this Form 4 filing.

CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Terry B. Osborne received a grant of 70 shares of Common Class stock on September 15, 2026 as a stock award under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan. The award was granted at $0.00 per share, and Osborne now holds 13,430 shares of the company’s common stock directly. No Rule 10b5-1 trading plan is reported for this award.

Insider Trade Summary

Grant/Award: 70 shares

Grant/Award 1 txn

Insider OSBORNE TERRY B

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	70	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 13,430 shares (Direct)

Key Figures

Shares granted: 70 shares Grant price per share: $0.00 per share Shares owned after transaction: 13,430 shares +1 more

4 metrics

Shares granted 70 shares Stock award to director Terry B. Osborne on September 15, 2026

Grant price per share $0.00 per share Equity award under the 2026 Equity Incentive Plan

Shares owned after transaction 13,430 shares Direct holdings of Terry B. Osborne following the award

Transaction date September 15, 2026 Date of stock award grant

Key Terms

Equity Incentive Plan, Form 4, non-derivative

3 terms

Equity Incentive Plan financial

"STOCK AWARDS GRANTED PURSUANT TO THE CITIZENS FINANCIAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN."

An equity incentive plan is a program that gives employees, executives or directors the right to receive company stock or options to buy stock as part of their pay. Think of it as offering slices of future company profit to motivate people to boost long‑term performance; for investors it matters because it can align employee goals with shareholder value but also increases the number of shares outstanding, which can dilute existing ownership.

Form 4 regulatory

"INSIDER FILING DATA (Form 4): director stock award reported"

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.

non-derivative financial

"transaction_type is listed as non-derivative for the Common Class award"

FAQ

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

What insider transaction did CZFS report for Terry B. Osborne?

CITIZENS FINANCIAL SERVICES INC reported that director Terry B. Osborne received a grant of 70 shares of Common Class stock on September 15, 2026 as a stock award under the 2026 Equity Incentive Plan.

How many CZFS shares does Terry B. Osborne hold after this Form 4 transaction?

After the reported stock award, Terry B. Osborne directly holds 13,430 shares of CITIZENS FINANCIAL SERVICES INC Common Class stock.

What was the price per share for the CZFS stock award to Terry B. Osborne?

The 70-share stock award to Terry B. Osborne was granted at $0.00 per share, reflecting a compensation grant rather than a market purchase.

Was the CZFS insider grant to Terry B. Osborne made under a Rule 10b5-1 trading plan?

No. The filing indicates that no Rule 10b5-1 trading plan is reported in connection with this 70-share stock award to Terry B. Osborne.

Under which plan was the 70-share CZFS award to Terry B. Osborne granted?

The 70-share stock award to Terry B. Osborne was granted under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan.

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

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Available on EDGAR 09/15/2026 - 04:22 PM Accepted by SEC EDGAR 09/15/2026 - 04:21 PM 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^*

OSBORNE TERRY B

(Last) (First) (Middle)

110 MCINTYRE STREET

(Street)

BLOSSBURG PENNSYLVANIA 16912

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2026

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	09/15/2026		A		70	A	$0	13,430	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 FINANCIAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN.

	GINA MARIE BOOR FOR TERRY B. OSBORNE UNDER POWER OF ATTORNEY DATED 08/29/2002	09/15/2026
	** 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)