Citizens Financial Services Inc (CZFS) director granted 96-share stock award

Rhea-AI Filing Summary

Citizens Financial Services Inc reported that director Robert W. Chappell received a stock award of 96 shares of common stock on 12/15/2025 at a stated price of $0. This equity grant increased his direct beneficial ownership to 12,589.1211 shares of the company's common stock. The transaction is reported as an acquisition of non-derivative securities and is classified as a stock award rather than an open-market purchase.

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

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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).

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^*

Chappell Robert W

(Last) (First) (Middle)

ENTERPRISE ROAD

POST OFFICE BOX 156

(Street)

ROME PA 18837

(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	12,589.1211	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 ROBERT W. CHAPPELL UNDER POWER OF ATTORNEY DATED 03/30/2006	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.

FAQ

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

CITIZENS FINANCIAL SERVICES INC disclosed that director Robert W. Chappell received a stock award of 96 shares of common stock on 12/15/2025.

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

After the reported stock award, director Robert W. Chappell directly beneficially owns 12,589.1211 shares of CITIZENS FINANCIAL SERVICES INC common stock.

What was the price of the Citizens Financial Services Inc (CZFS) stock award?

The 96-share stock award to director Robert W. Chappell was reported at a stated price of $0 per share, indicating it was an equity compensation grant rather than a purchase.

What type of security was involved in the CZFS insider transaction?

The transaction involved COMMON CLASS non-derivative shares of CITIZENS FINANCIAL SERVICES INC, reported in Table I for non-derivative securities.

How was the Citizens Financial Services Inc (CZFS) transaction coded on the Form 4?

The transaction was coded as "A", which indicates an acquisition of non-derivative securities, with the explanation noted as a STOCK AWARD.

Is the CZFS insider holding reported as direct or indirect ownership?

The 12,589.1211 shares of CITIZENS FINANCIAL SERVICES INC common stock are reported as Direct (D) beneficial ownership for the director.