Form 4: CZFS Director Gifts 20 Shares of Common Stock

R. Joseph Landy, a director at Citizens Financial Services Inc., reported gifting 20 shares of common stock on September 29, 2025, with no monetary consideration.

Summary

• R. Joseph Landy, a Director of Citizens Financial Services Inc. (CZFS), reported an insider transaction.
• On September 29, 2025, Landy disposed of 20 shares of common stock.
• The transaction was coded 'G', indicating a gift, with a price of $0 per share.
• Following this transaction, Landy directly beneficially owns 27,870.1881 shares of common stock.
• The filing was executed under a Power of Attorney dated August 22, 2022, granted to Gina Marie Boor.

Sentiment

Score: 5

Explanation: The filing is a routine Form 4 reporting a small insider transaction (a gift of shares) and carries a neutral sentiment as it does not indicate any significant positive or negative developments for the company or its stock.

Future Outlook

N/A. This filing reports a past insider transaction and does not provide any forward-looking statements or guidance.

Industry Context

This Form 4 filing details a routine insider transaction for Citizens Financial Services Inc. and does not provide information relevant to broader industry trends or competitive analysis.

Stakeholder Impact

• The gift of 20 shares by a director is a minor transaction and is expected to have negligible impact on shareholders, employees, customers, suppliers, or creditors.

Key Dates

Keywords

Citizens Financial Services, CZFS, Form 4, Insider Transaction, Director, Share Gift, Stock Ownership, Beneficial Ownership