LANDY R JOSEPH 4

What Happened Joseph R. Landy, a director of Citizens Financial Services Inc. (ticker: CZFS), reported a gift (transaction code G) of 20 shares on June 10, 2026. The shares were disposed of at a reported price of $0.00 (standard for a non‑sale gift), so no cash proceeds were recorded. This is a gift/disposition rather than a purchase or sale for cash and does not by itself indicate a buy/sell sentiment.

Key Details

• Transaction date: 2026-06-10
• Transaction type/code: Gift (G) — disposition of 20 shares at $0.00 per share
• Reported value/proceeds: $0 (gift)
• Shares owned after transaction: Not specified in the provided filing
• Filing timeliness: Reported same day (filed 2026-06-10 for period 2026-06-10) — appears timely
• No 10b5-1 plan, tax‑withholding, or other footnotes noted in the supplied data

Context Gifts by insiders are common for personal, estate planning, or charitable reasons and do not necessarily reflect the insider’s view of the company’s prospects. Because this was a gift (not a market sale), there were no cash proceeds and it should be interpreted differently than an open‑market sale or purchase.