Citizens Financial Services director awarded 96 shares of stock

Citizens Financial Services Inc. reported an insider stock award for a director.

Rhea-AI Filing Summary

Citizens Financial Services Inc. reported an insider stock award for a director. On 12/15/2025, the director acquired 96 shares of common stock with a reported price of $0, identified in the form as a "STOCK AWARD". Following this transaction, the director directly beneficially owned 13,173 common shares of the company.

Insider Trade Summary

Grant/Award: 96 shares

Grant/Award 1 txn

Insider OSBORNE TERRY B

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	96	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 13,173 shares (Direct)

FAQ

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

What insider transaction did Citizens Financial Services Inc. (CZFS) report?

CITIZENS FINANCIAL SERVICES INC reported that a director acquired 96 shares of its common stock as a STOCK AWARD on 12/15/2025.

How many Citizens Financial Services Inc. (CZFS) shares does the director own after this transaction?

After the reported transaction, the director directly beneficially owned 13,173 shares of CITIZENS FINANCIAL SERVICES INC common stock.

What was the price reported for the Citizens Financial Services Inc. (CZFS) stock award?

The 96-share stock award to the director was reported at a price of $0 per share.

What is the relationship of the reporting person to Citizens Financial Services Inc. (CZFS)?

The reporting person is identified as a Director of CITIZENS FINANCIAL SERVICES INC.

Was this Citizens Financial Services Inc. (CZFS) Form 4 filed for one reporting person or a group?

The filing indicates that the Form 4 was filed by one reporting person.

What type of securities were involved in the Citizens Financial Services Inc. (CZFS) insider transaction?

The transaction involved COMMON CLASS non-derivative securities of CITIZENS FINANCIAL SERVICES INC.

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

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Accepted by SEC EDGAR 12/16/2025 - 08:04 AM 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 PA 16912

(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)
12/15/2025

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	12/15/2025		A		96	A	$0	13,173	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 AWARD

	GINA MARIE BOOR FOR TERRY B. OSBORNE UNDER POWER OF ATTORNEY DATED 08/29/2002	12/16/2025
	** 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.