[8-K] CITIZENS & NORTHERN CORP Reports Material Event

Rhea-AI Filing Summary

Citizens & Northern Corporation (CZNC) announced that President & CEO J. Bradley Scovill and CFO Mark A. Hughes are scheduled to present an overview of the company on November 11, 2025 at the Piper Sandler & Co. Financial Services Conference in Aventura, FL.

The company furnished an Investor Presentation as Exhibit 99.1, which is incorporated by reference. This disclosure is provided under Regulation FD and is being furnished, not filed.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

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November 7, 2025

Date of Report (Date of earliest event reported)

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Citizens & Northern Corporation

(Exact name of registrant as specified in its charter)

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Pennsylvania		0-16084		23-2451943
(State or other jurisdiction	​	(Commission	​	(IRS Employer
of incorporation)	​	File Number)	​	Ident. No.)
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90-92 Main Street, Wellsboro, Pennsylvania	​	​	​	16901
(Address of principal executive offices)	​	​	​	(Zip Code)

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(570) 724-3411

Registrant’s telephone number, including area code

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N/A

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol		Name of each exchange on which  registered
Common Stock, par value $1.00 per share		CZNC		Nasdaq Capital Market

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 7.01 Regulation FD.

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J. Bradley Scovill, President and CEO, and Mark A. Hughes, Treasurer and Chief Financial Officer, of Citizens & Northern Corporation (“Corporation”) are scheduled to present on November 11, 2025 an overview of the Corporation to various institutional analysts and investors for the Piper Sandler & Co. Financial Services Conference in Aventura, FL.

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The Investor Presentation to be used in discussions with the analysts and investors is attached as Exhibit 99.1 to this Current Report and is incorporated herein by reference. This Current Report is being furnished pursuant to Regulation FD and no part shall be deemed "filed" for any purpose.

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Inan

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Item 9.01 Financial Statements and Exhibits.

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(d)Exhibits

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Exhibit No.	Description
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99.1	Citizens & Northern Corporation Investor Presentation. ​
104	Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)
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SIGNATURES

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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	CITIZENS & NORTHERN CORPORATION
Date: November 7, 2025	By:	/s/ Mark A. Hughes
​	​	Mark A. Hughes Treasurer and Chief Financial Officer

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FAQ

What did CZNC disclose in this 8-K?

The company disclosed a scheduled presentation by its CEO and CFO at the Piper Sandler Financial Services Conference and furnished an Investor Presentation (Exhibit 99.1).

When and where will CZNC present?

On November 11, 2025 at the Piper Sandler & Co. Financial Services Conference in Aventura, FL.

Who will present for CZNC?

J. Bradley Scovill, President & CEO, and Mark A. Hughes, Treasurer and CFO.

Is the investor materials filing considered 'filed' or 'furnished'?

The disclosure and investor presentation are being furnished under Regulation FD and are not deemed filed.

What exhibit contains the investor presentation for CZNC (CZNC)?

The investor presentation is attached as Exhibit 99.1.

What is CZNC’s trading venue and symbol?

Common stock trades on the Nasdaq Capital Market under the symbol CZNC.