Form 4: CZFS Director Gifts Shares Under 10b5-1 Plan

Citizens Financial Services Director R. Joseph Landy reported gifting 20 shares of common stock on October 8, 2025.

Summary

• R. Joseph Landy, a Director at Citizens Financial Services Inc. (CZFS), reported a disposition of common stock.
• On October 8, 2025, Landy gifted 20 shares of CZFS common stock.
• The transaction price per share was $0, consistent with a gift.
• The transaction was made pursuant to a contract, instruction, or written plan intended to satisfy the affirmative defense conditions of Rule 10b5-1(c).
• Following this transaction, Landy directly beneficially owns 27,830.1881 shares of common stock.

Sentiment

Score: 5

Explanation: The filing reports a routine insider transaction (gift of shares) which is generally neutral in sentiment regarding company performance or outlook.

Industry Context

This is a routine insider transaction disclosure and does not provide broader industry context or trends. It reflects an individual director's personal stock management.

Stakeholder Impact

• Minimal impact on shareholders due to the small number of shares (20) involved in the gift, representing a negligible change in the company's overall outstanding shares or the director's total beneficial ownership.
• No direct impact on employees, customers, suppliers, or creditors from this specific insider transaction.

Key Dates

Keywords

CZFS, Citizens Financial Services, Form 4, Insider Transaction, Stock Gift, R. Joseph Landy, 10b5-1 Plan