CZFS Form 4: Director Gift of 20 Shares Low-Impact Disclosure

Form 4 summary: Director R. Joseph Landy reported a transaction in Citizens Financial Services Inc. (CZFS) on 10/02/2025.

Rhea-AI Filing Summary

Form 4 summary: Director R. Joseph Landy reported a transaction in Citizens Financial Services Inc. (CZFS) on 10/02/2025. The filing shows a Code G transaction disposing of 20 common shares with a reported price of $0 (consistent with a gift). After the transaction, Mr. Landy beneficially owned 27,850.1881 shares directly. The form was signed by Gina Marie Boor under a power of attorney dated 08/22/2022.

Insights

Financial Analyst

TL;DR: Insignificant insider gift of 20 shares relative to ~27,850 shares outstanding to the director, unlikely to move valuation.

The reported Code G disposal of 20 shares at $0 indicates a gift rather than a sale, and the remaining direct holding of 27,850.1881 shares suggests the transaction is immaterial in size. There are no derivative transactions reported. From a market-impact perspective, this disclosure is routine and does not signal a change in control or material shift in insider alignment.

Corporate Governance Expert

TL;DR: Routine Form 4 disclosure of a small gift by a director; properly executed under power of attorney.

The filing identifies the reporting person as a director and shows the document was executed by an agent under power of attorney dated 08/22/2022, which meets standard procedural practice. The Code G classification and $0 price align with a non-sale transfer. No governance concerns or unexplained transfers are evident from the information provided.

Insider Trade Summary

20 shares gifted

Gift 1 txn

Insider LANDY R JOSEPH

Role Director

Type	Security	Shares	Price	Value
Gift	COMMON CLASS	20	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 27,850.1881 shares (Direct)

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

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Accepted by SEC EDGAR 10/02/2025 - 10:22 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
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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).

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)
10/02/2025

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	10/02/2025		G		20	D	$0	27,850.1881	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	10/02/2025
	** 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.