CZFS insider sale: 20 shares sold, director retains 27,830.1881

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC (CZFS) director R. Joseph Landy reported a small non-derivative sale of 20 common shares on 10/08/2025 at a reported price of $0 (transaction code G). After the transaction, the reporting person beneficially owns 27,830.1881 shares, held directly. The Form 4 was filed by one reporting person and was signed under power of attorney by Gina Marie Boor dated 08/22/2022. The filing documents a routine insider sale and shows continued substantial ownership by the director.

Positive

• Timely Section 16 disclosure filed for the transaction
• Director retains substantial ownership of 27,830.1881 shares after the sale

Negative

• None.

Insights

Corporate Governance Analyst

Small director sale reported; large residual holding remains.

The filing shows a 20-share disposition by a director recorded on 10/08/2025 with a reported price of $0 under transaction code G, which indicates a transaction type defined by the reporting instructions. The director retains 27,830.1881 shares following the sale, suggesting a meaningful ongoing ownership stake.

Filing was executed under a power of attorney dated 08/22/2022, which is common for timely Section 16 reporting. Monitor routine Section 16 filings for any future sizable changes to this holding within the next 12 months.

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)
10/08/2025

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	10/08/2025		G		20	D	$0	27,830.1881	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	10/08/2025
	** 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 did CZFS director R. Joseph Landy report on the Form 4?

The director reported a disposition of 20 common shares on 10/08/2025 and reports holding 27,830.1881 shares following the transaction.

What was the reported price for the shares sold in the CZFS Form 4?

The transaction lists a reported price of $0 for the 20-share disposition (as shown on the form).

Who signed the Form 4 for R. Joseph Landy?

The Form 4 was signed under power of attorney by Gina Marie Boor with a power of attorney dated 08/22/2022.

When was the earliest transaction date reported on the CZFS Form 4?

The earliest transaction date reported is 10/08/2025.

Was this Form 4 filed by multiple reporting persons?

No. The form indicates it was filed by one reporting person.