[Form 4] CITIZENS FINANCIAL SERVICES INC Insider Trading Activity

Mickey L. Jones, a director of Citizens Financial Services Inc. (CZFS), reported a stock award of 46 common shares granted on 09/23/2025 at a reported price of $0.

Rhea-AI Filing Summary

Mickey L. Jones, a director of Citizens Financial Services Inc. (CZFS), reported a stock award of 46 common shares granted on 09/23/2025 at a reported price of $0. After the award, Mr. Jones beneficially owns 13,822 shares directly. An additional 880 shares are reported as indirectly owned by spouse. The Form 4 was signed under power of attorney by Gina Marie Boor.

Insights

Corporate Governance Expert

TL;DR: A routine director stock award increased direct holdings modestly; disclosure appears standard and administrative.

The Form 4 documents a small stock award of 46 shares to a company director, increasing direct ownership to 13,822 shares. The report also discloses 880 shares held indirectly by the director's spouse. The filing was executed under a power of attorney. This item is procedural and typical for equity compensation to insiders and does not by itself indicate material governance changes.

Securities Analyst

TL;DR: Director received a minor equity award; the transaction size is immaterial to company capitalization.

The reported award of 46 shares at a $0 price suggests a grant or vesting of restricted stock rather than a market purchase. The incremental increase in direct holdings is small relative to the total outstanding equity and therefore unlikely to move market or valuation metrics. Timely disclosure under Section 16 is satisfied via this Form 4.

Insider Trade Summary

Grant/Award: 46 shares

Grant/Award 2 txns

Insider JONES MICKEY L

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	46	$0.00	$0.00
holding	COMMON CLASS	--	--	--

Holdings After Transaction: COMMON CLASS — 13,822 shares (Direct); COMMON CLASS — 880 shares (Indirect, BY SPOUSE)

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Accepted by SEC EDGAR 09/23/2025 - 08:19 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^*

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)
09/23/2025

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	09/23/2025		A		46	A	$0	13,822	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	09/23/2025
	** 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.