Citizens Financial (CZFS) EVP LeeAnn Gephart logs open-market sale of 29 shares

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC executive LeeAnn Gephart reported a small open-market sale of company stock. She sold 29 shares of COMMON CLASS at $66.52 per share and now directly holds 808 shares. The transaction reflects a routine, modest reduction in her direct ownership.

Insider Trade Summary

Net Seller: 29 shares ($1,929)

Net Sell 1 txn

Insider Gephart LeeAnn

Role EXECUTIVE VICE PRESIDENT

Sold 29 shs ($2K)

Type	Security	Shares	Price	Value
Sale	COMMON CLASS	29	$66.52	$2K

Holdings After Transaction: COMMON CLASS — 808 shares (Direct, null)

Footnotes (1)

Key Figures

Shares sold: 29 shares Sale price: $66.52 per share Shares held after: 808 shares +1 more

4 metrics

Shares sold 29 shares Open-market sale of COMMON CLASS

Sale price $66.52 per share Transaction price for the 29 shares sold

Shares held after 808 shares Direct ownership following the sale

Net buy/sell shares -29 shares Net-sell direction for this Form 4

Key Terms

Form 4, open-market sale, COMMON CLASS, Executive Vice President

4 terms

Form 4 regulatory

"disclosed in a Form 4 insider trading report"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

open-market sale financial

"small open-market sale of company stock"

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

COMMON CLASS financial

"29 shares of COMMON CLASS at $66.52 per share"

Executive Vice President financial

"Executive Vice President LeeAnn Gephart sold 29 shares"

An executive vice president is a high-ranking leader within a company who oversees major parts of its operations or strategies. Think of them as senior managers responsible for important areas, similar to a vice principal in a school hierarchy. Their role matters to investors because they help guide the company's success and decision-making at the top level.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 06/25/2026 - 07:05 AM Accepted by SEC EDGAR 06/25/2026 - 07:05 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^*

Gephart LeeAnn

(Last) (First) (Middle)

2260 HEIM HILL ROAD

(Street)

MONTOURSVILLE PENNSYLVANIA 17754

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EXECUTIVE VICE PRESIDENT

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/25/2026

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	06/25/2026		S		29	D	$66.52	808	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 LEEANN GEPHART UNDER POWER OF ATTORNEY DATED 04/21/2023	06/25/2026
	** 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)

FAQ

What insider transaction did CITIZENS FINANCIAL SERVICES INC (CZFS) report for LeeAnn Gephart?

CITIZENS FINANCIAL SERVICES INC reported that Executive Vice President LeeAnn Gephart sold 29 shares of COMMON CLASS stock. The sale was an open-market transaction at $66.52 per share, and it was disclosed in a Form 4 insider trading report.

How many CITIZENS FINANCIAL SERVICES INC (CZFS) shares did LeeAnn Gephart sell and at what price?

LeeAnn Gephart sold 29 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock at $66.52 per share. This open-market sale was reported in a Form 4 filing and represents a relatively small transaction for the executive.

How many CITIZENS FINANCIAL SERVICES INC (CZFS) shares does LeeAnn Gephart hold after the sale?

After the reported sale, LeeAnn Gephart directly holds 808 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock. This remaining position is disclosed in the Form 4 and reflects her direct ownership following the 29-share open-market transaction.

What role does LeeAnn Gephart hold at CITIZENS FINANCIAL SERVICES INC (CZFS)?

LeeAnn Gephart serves as an Executive Vice President at CITIZENS FINANCIAL SERVICES INC. Her position is noted in the Form 4 filing that reports her recent open-market sale of 29 shares of the company’s COMMON CLASS stock at $66.52 per share.

Was the CITIZENS FINANCIAL SERVICES INC (CZFS) insider transaction a buy or a sell?

The reported insider transaction was a sale. Executive Vice President LeeAnn Gephart executed an open-market sale of 29 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock, at a transaction price of $66.52 per share, as disclosed in the Form 4 filing.