[Form 4] CITIZENS FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Mickey L. Jones, a director of Citizens Financial Services Inc. (CZFS), received a stock award of 94 shares on 09/15/2025 at $0 per share, reported on a Form 4 dated 09/16/2025. After the award, Mr. Jones is reported to beneficially own 13,776 shares directly and 880 shares indirectly through his spouse. The Form 4 was signed on behalf of Mr. Jones by Gina Marie Boor under a power of attorney dated 07/12/2004. The filing identifies the transaction as a non-derivative stock award rather than an open-market purchase.

Positive

• Stock award disclosed clearly, showing compensation was issued as equity rather than cash
• Updated ownership totals provided: 13,776 shares direct and 880 shares indirect, improving transparency

Negative

• None.

Insights

Financial Analyst

TL;DR: Director received a 94-share stock award, increasing reported direct holdings to 13,776 shares; transaction reported as a non-cash award.

The Form 4 documents a routine equity compensation event: 94 common shares were acquired via a stock award on 09/15/2025 at a reported price of $0, consistent with issuance rather than market purchase. The filing shows total direct beneficial ownership of 13,776 shares and an indirect holding of 880 shares via spouse. This is a disclosure of insider compensation and ownership, not a market trade signal; it provides clarity on the directors updated share count for ownership tables and governance records.

Corporate Governance Expert

TL;DR: Disclosure records an equity award to a director and renews public record of his direct and indirect holdings.

The filing reflects a standard equity award to an insider, recorded on Form 4. It includes the reporters role as a director and lists indirect ownership through a spouse. The signature block shows the Form was executed under an existing power of attorney. From a governance and compliance perspective, the Form 4 fulfills Section 16 reporting obligations by timely disclosing the award and current beneficial ownership details.

09/16/2025 - 08:10 AM

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

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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).

1. Name and Address of Reporting Person^*

JONES MICKEY L

(Last) (First) (Middle)

3063 ROUTE 184 HIGHWAY

(Street)

TROUT RUN PA 17771

(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)
09/15/2025

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	09/15/2025		A		94	A	$0	13,776	D
COMMON CLASS								880	I	BY SPOUSE

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 MICKEY L. JONES UNDER POWER OF ATTORNEY DATED 07/12/2004	09/16/2025
	** 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.

FAQ

What transaction did Mickey L. Jones report on Form 4 for CZFS?

The Form 4 reports a stock award of 94 common shares acquired on 09/15/2025 at a reported price of $0 per share.

How many CZFS shares does the reporting person own after the transaction?

After the reported transaction, Mickey L. Jones is shown to beneficially own 13,776 shares directly and 880 shares indirectly through a spouse.

Was the Form 4 signed directly by the reporting person?

The Form 4 was signed on behalf of Mickey L. Jones by Gina Marie Boor under a power of attorney dated 07/12/2004, with signature dated 09/16/2025.

Does the filing indicate whether the shares were purchased on the open market?

No. The filing indicates the shares were a stock award with a reported price of $0, indicating issuance rather than an open-market purchase.

What is the reporting person's relationship to Citizens Financial Services Inc.?

The filing identifies Mickey L. Jones as a Director of Citizens Financial Services Inc. (CZFS).