Citizens Financial director awarded 99 CZFS shares

Citizens Financial Services Inc. director Terry B. Osborne received a grant of 99 shares of common stock at no cost.

Rhea-AI Filing Summary

Citizens Financial Services Inc. director Terry B. Osborne received a grant of 99 shares of common stock at no cost. This award increased Osborne’s directly held stake to 13,272 shares, reflecting a routine, compensation-related share acquisition rather than an open-market purchase.

Insider Trade Summary

Grant/Award: 99 shares

Grant/Award 1 txn

Insider OSBORNE TERRY B

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COMMON CLASS	99	$0.00	$0.00

Holdings After Transaction: COMMON CLASS — 13,272 shares (Direct)

Key Figures

Shares granted: 99 shares Grant price per share: $0.00 per share Total shares after transaction: 13,272 shares

3 metrics

Shares granted 99 shares Non-derivative stock award on 2026-04-30

Grant price per share $0.00 per share Compensation-related grant, not open-market trade

Total shares after transaction 13,272 shares Direct holdings following the 99-share award

Key Terms

Grant, award, or other acquisition, Form 4, non-derivative

3 terms

Grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition""

Form 4 regulatory

"INSIDER FILING DATA (Form 4): {"

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.

non-derivative financial

""transaction_type": "non-derivative""

FAQ

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

What insider transaction did CZFS director Terry B. Osborne report?

Terry B. Osborne reported receiving a grant of 99 shares of Citizens Financial Services Inc. common stock. The shares were acquired at no cost as a compensation-related award, increasing his directly held position to 13,272 shares after the transaction.

Was the CZFS insider transaction an open-market purchase or a grant?

The transaction was a grant, award, or other acquisition, not an open-market purchase. Osborne received 99 common shares at a price of $0.00 per share, indicating a compensation-type award rather than buying shares in the market.

How many CZFS shares does Terry B. Osborne hold after this Form 4?

After receiving the 99-share grant, Terry B. Osborne directly holds 13,272 shares of Citizens Financial Services Inc. common stock. This total reflects his position immediately following the reported non-derivative stock award on the stated transaction date.

What does transaction code "A" mean in the CZFS Form 4 filing?

In this Form 4, code "A" is described as a grant, award, or other acquisition. It signals that 99 shares of Citizens Financial Services Inc. common stock were awarded to Osborne, typically as part of compensation, at a price of $0.00 per share.

Is the CZFS insider transaction classified as direct or indirect ownership?

The filing classifies Osborne’s ownership as direct, shown with ownership code "D". The 13,272 shares reported following the transaction are held directly in his name, with no indication of trusts, LLCs, or other indirect ownership structures in the provided data.

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

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Accepted by SEC EDGAR 04/30/2026 - 02:23 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^*

OSBORNE TERRY B

(Last) (First) (Middle)

110 MCINTYRE STREET

(Street)

BLOSSBURG PENNSYLVANIA 16912

(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)
04/30/2026

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	04/30/2026		A		99	A	$0	13,272	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 TERRY B. OSBORNE UNDER POWER OF ATTORNEY DATED 08/29/2002	04/30/2026
	** 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)