Citizens Financial director awarded 70 shares

Director Robert W. Chappell received a stock award under CZFS’s 2026 Equity Incentive Plan, modestly increasing his direct share holdings.

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC (symbol: CZFS) is the issuer of record for a Form 4 filing submitted to the SEC. Chappell Robert W reported acquisition or exercise transactions in this Form 4 filing.

CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Robert W. Chappell received a grant of 70 shares of its common stock on September 15, 2026. The award was made under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, bringing his directly held shares to 13,106.0437.

Insider Trade Summary

Grant/Award: 70 shares

Grant/Award 1 txn

Insider Chappell Robert W

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	70	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 13,106.0437 shares (Direct)

Key Figures

Shares granted: 70 shares Price per share: $0.00 per share Shares held after transaction: 13,106.0437 shares +1 more

4 metrics

Shares granted 70 shares Stock award to director Robert W. Chappell on September 15, 2026

Price per share $0.00 per share Reported grant price for the 70-share stock award

Shares held after transaction 13,106.0437 shares Direct holdings of Robert W. Chappell after the award

Transaction date September 15, 2026 Date of the stock award grant

Key Terms

Equity Incentive Plan, stock award, direct ownership

3 terms

Equity Incentive Plan financial

"STOCK AWARDS GRANTED PURSUANT TO THE CITIZENS FINANCIAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN."

An equity incentive plan is a program that gives employees, executives or directors the right to receive company stock or options to buy stock as part of their pay. Think of it as offering slices of future company profit to motivate people to boost long‑term performance; for investors it matters because it can align employee goals with shareholder value but also increases the number of shares outstanding, which can dilute existing ownership.

stock award financial

"STOCK AWARDS GRANTED PURSUANT TO THE CITIZENS FINANCIAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN."

direct ownership financial

"The transaction shows ownership type as direct for the reported shares."

FAQ

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

What insider transaction did CZFS disclose for Robert W. Chappell?

The filing reports that director Robert W. Chappell received a grant of 70 shares of CZFS common stock as a stock award on September 15, 2026 under the company’s 2026 Equity Incentive Plan.

How many CZFS shares were granted in this Form 4 filing?

The Form 4 shows a grant of 70 shares of CZFS common stock to director Robert W. Chappell. The transaction is coded as a grant, award, or other acquisition with a reported per-share price of $0.00, consistent with a compensation award.

What are Robert W. Chappell’s CZFS holdings after the reported grant?

After the stock award, Robert W. Chappell directly holds 13,106.0437 shares of CZFS common stock. This total reflects his position following the 70-share grant reported as of September 15, 2026.

Was the CZFS stock grant to Robert W. Chappell made under a specific plan?

Yes. The stock award was granted pursuant to the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, as stated in the remarks to the Form 4 filing.

Was the CZFS insider transaction made under a Rule 10b5-1 plan?

No. The filing indicates the Rule 10b5-1 checkbox is not affirmed, meaning this grant to Robert W. Chappell is not reported as made under a Rule 10b5-1 trading plan.

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

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Available on EDGAR 09/15/2026 - 04:26 PM EDT Accepted by SEC EDGAR 09/15/2026 - 04:26 PM EDT 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^*

Chappell Robert W

(Last) (First) (Middle)

ENTERPRISE ROAD

POST OFFICE BOX 156

(Street)

ROME PENNSYLVANIA 18837

(City) (State) (Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	09/15/2026		A		70	A	$0	13,106.0437	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 AWARDS GRANTED PURSUANT TO THE CITIZENS FINANCIAL SERVICES, INC. 2026 EQUITY INCENTIVE PLAN.

	GINA MARIE BOOR FOR ROBERT W. CHAPPELL UNDER POWER OF ATTORNEY DATED 03/30/2006	09/15/2026
	** 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.
* Form 4: SEC 1474 (03-26)