Citizens Financial director granted 70 shares

Director Roger C. Graham Jr. received an equity award, modestly increasing his direct ownership in CITIZENS FINANCIAL SERVICES INC.

Rhea-AI Filing Summary

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

CITIZENS FINANCIAL SERVICES INC (CZFS) reported that director Roger C. Graham Jr. received a grant of 70 shares of its common stock on September 15, 2026 under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan. After this stock award, he holds 69,964.3919 shares of common stock directly.

Insider Trade Summary

Grant/Award: 70 shares

Grant/Award 1 txn

Insider GRAHAM ROGER C JR

Role Director

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

Holdings After Transaction: COMMON CLASS — 69,964.3919 shares (Direct)

Key Figures

Shares granted: 70 shares Grant price per share: $0.00 per share Shares owned after transaction: 69,964.3919 shares +1 more

4 metrics

Shares granted 70 shares Stock award of common stock granted on September 15, 2026

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

Shares owned after transaction 69,964.3919 shares Direct ownership by Roger C. Graham Jr. following the grant

Number of acquisition transactions 1 transaction Non-derivative stock award acquisition reported in this Form 4

Key Terms

Equity Incentive Plan, stock award, non-derivative

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."

non-derivative financial

"The transaction is reported as a non-derivative acquisition of common stock."

FAQ

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

What insider transaction did CZFS report for Roger C. Graham Jr.?

CZFS reported that director Roger C. Graham Jr. received a grant of 70 shares of common stock on September 15, 2026 as a stock award under the company’s 2026 Equity Incentive Plan.

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

The Form 4 reports a stock award of 70 shares of CITIZENS FINANCIAL SERVICES INC common stock to director Roger C. Graham Jr. at a reported per-share price of $0.00, reflecting a compensatory grant.

What is Roger C. Graham Jr.’s CZFS share ownership after this grant?

After the reported grant, Roger C. Graham Jr. directly owns 69,964.3919 shares of CITIZENS FINANCIAL SERVICES INC common stock, according to the Form 4 disclosure.

Was the CZFS stock award to Roger C. Graham Jr. made under an equity plan?

Yes. The 70-share stock award was granted under the Citizens Financial Services, Inc. 2026 Equity Incentive Plan, as described in the Form 4 remarks section.

Did this CZFS Form 4 involve any stock sales by the director?

No. The Form 4 reports only a grant/award acquisition of 70 shares of common stock and shows no sales or dispositions by director Roger C. Graham Jr.

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

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Available on EDGAR 09/15/2026 - 04:13 PM EDT Accepted by SEC EDGAR 09/15/2026 - 04:13 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^*

GRAHAM ROGER C JR

(Last) (First) (Middle)

1281 BRAGUE ROAD

(Street)

CANTON PENNSYLVANIA 17724

(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	69,964.3919	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 ROGER C. GRAHAM, JR. UNDER POWER OF ATTORNEY DATED 08/22/2002	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)