Citizens Financial (CZFS) director Joseph R. Landy makes bona fide 20-share gift

Rhea-AI Filing Summary

Citizens Financial Services Inc director Joseph R. Landy reported a bona fide gift of 20.0000 shares of COMMON CLASS stock. The shares were transferred at a price of $0.0000 per share as a non-derivative transaction. After this gift transfer, he directly holds 27934.4652 shares.

Insider Trade Summary

20 shares gifted

Mixed 1 txn

Insider LANDY R JOSEPH

Role Director

Type	Security	Shares	Price	Value
Gift	COMMON CLASS	20	$0.00	--

Holdings After Transaction: COMMON CLASS — 27,934.465 shares (Direct)

Footnotes (1)

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)
03/19/2026

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	03/19/2026		G		20	D	$0	27,934.4652	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	03/19/2026
	** 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 Joseph R. Landy?

CITIZENS FINANCIAL SERVICES INC reported that director Joseph R. Landy made a bona fide gift transfer of 20.0000 COMMON CLASS shares. This was a non-derivative transaction coded as a gift, not an open-market sale or purchase, and carried a $0.0000 per-share value.

How many CZFS shares did Joseph R. Landy gift in this insider filing?

Joseph R. Landy gifted 20.0000 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock. The transaction is classified as a bona fide gift, meaning no consideration was received, and it reflects a transfer rather than a market trade in the company’s shares.

What are Joseph R. Landy’s CZFS holdings after the reported gift transaction?

Following the gift transfer, Joseph R. Landy directly holds 27934.4652 shares of CITIZENS FINANCIAL SERVICES INC COMMON CLASS stock. This post-transaction figure reflects his remaining direct ownership as reported, with no derivative positions disclosed in this particular insider filing.

Was the CZFS insider transaction by Joseph R. Landy a sale or a gift?

The transaction was a bona fide gift, not a sale. It is coded as a gift transfer (transaction code G) with a per-share price of $0.0000, indicating no cash consideration changed hands and distinguishing it from an open-market sale or purchase of CZFS shares.

Does the CZFS insider filing show any derivative transactions for Joseph R. Landy?

The insider data shows no derivative transactions for Joseph R. Landy in this filing. The reported activity is limited to a single non-derivative bona fide gift of 20.0000 COMMON CLASS shares, with derivativeSummary indicating no remaining or newly transacted derivative positions.