CITIZENS FINANCIAL SERVICES (CZFS) director reports 40-share stock gift

Rhea-AI Filing Summary

CITIZENS FINANCIAL SERVICES INC director R. Joseph Landy reported a gift transfer of 40 shares of Common Class stock. The transaction was coded as a bona fide gift with no price per share. After this disposition, he directly holds 27,993.4652 shares.

Insider Trade Summary

40 shares gifted

Mixed 1 txn

Insider LANDY R JOSEPH

Role null

Type	Security	Shares	Price	Value
Gift	COMMON CLASS	40	$0.00	--

Holdings After Transaction: COMMON CLASS — 27,993.465 shares (Direct, null)

Footnotes (1)

Key Figures

Shares gifted: 40 shares Transaction price per share: $0.0000 Shares held after transaction: 27,993.4652 shares

3 metrics

Shares gifted 40 shares Bona fide gift of Common Class stock

Transaction price per share $0.0000 Gift transfer with no cash consideration

Shares held after transaction 27,993.4652 shares Director’s direct holdings following the gift

Key Terms

bona fide gift, Common Class, Form 4

3 terms

bona fide gift financial

"The transaction code description is listed as a bona fide gift."

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

Common Class financial

"The security title for the transaction is shown as COMMON CLASS."

Form 4 regulatory

"INSIDER FILING DATA (Form 4): details the director’s gift transaction."

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.

Form 4 Insider Transactions: What Each Field Means →

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^*

LANDY R JOSEPH

(Last) (First) (Middle)

300 NORTH 28TH STREET

(Street)

CAMP HILL PENNSYLVANIA 17011

(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)
05/04/2026

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	05/04/2026		G		40	D	$0	27,993.4652	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	05/05/2026
	** 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 CZFS director R. Joseph Landy report?

R. Joseph Landy reported a bona fide gift of 40 shares of CITIZENS FINANCIAL SERVICES INC Common Class stock. The Form 4 shows this as a gift transfer, not a market sale or purchase, reflecting a transfer without consideration.

How many CZFS shares did the director gift in this Form 4?

The director transferred 40 shares of Common Class stock as a bona fide gift. This disposition is recorded at a per-share transaction price of $0.0000, indicating no cash consideration was involved in the reported transfer.

How many CZFS shares does R. Joseph Landy hold after the gift?

Following the reported gift of 40 shares, R. Joseph Landy directly holds 27,993.4652 shares of CITIZENS FINANCIAL SERVICES INC Common Class stock. This figure represents his direct ownership position immediately after the transaction reported in the Form 4 filing.

Was the CZFS insider transaction a buy or sell in the market?

The transaction was not a market buy or sell; it was a bona fide gift. The Form 4 classifies it as a gift transfer with a transaction price of $0.0000 per share, meaning no money changed hands in this disposition.

What transaction code is used for the CZFS director’s gift?

The Form 4 uses transaction code G for the director’s activity, which denotes a bona fide gift. This code confirms the shares were given away rather than bought or sold in an open-market or private cash transaction.