Dividend reinvestment adds 238 shares for Citizens & Northern (CZNC) director

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Bobbi J. Kilmer increased her holdings through dividend reinvestment. On May 15, 2026, 77 shares of common stock were acquired at $20.815 per share and 161 shares at $20.85 per share under a dividend reinvestment plan. After these non‑market transactions, she directly holds 19,017 shares of common stock.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Kilmer Bobbi J

Role null

Type	Security	Shares	Price	Value
Other	Common Stock	161	$20.85	$3K
Other	Common Stock	77	$20.815	$2K

Holdings After Transaction: Common Stock — 19,017 shares (Direct, null)

Footnotes (1)

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Key Figures

Dividend reinvestment lot 1: 77 shares at $20.815 Dividend reinvestment lot 2: 161 shares at $20.85 Total shares via dividend reinvestment: 238 shares +2 more

5 metrics

Dividend reinvestment lot 1 77 shares at $20.815 Common Stock, May 15, 2026

Dividend reinvestment lot 2 161 shares at $20.85 Common Stock, May 15, 2026

Total shares via dividend reinvestment 238 shares Transaction code J, restructuringShares

Direct holdings after transactions 19,017 shares Common Stock following second transaction

Direct holdings after first lot 19,094 shares Common Stock following first transaction

Key Terms

dividend reinvestment plan, transaction code J, Other acquisition or disposition, reporting person

4 terms

dividend reinvestment plan financial

"Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan."

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

transaction code J financial

"transaction_code": "J", "transaction_code_description": "Other acquisition or disposition""

Other acquisition or disposition financial

"transaction_code_description": "Other acquisition or disposition""

reporting person financial

""reportingPersons": [{"name": "Kilmer Bobbi J""

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^*

Kilmer Bobbi J

(Last) (First) (Middle)

555 COUNTRY VIEW DRIVE

(Street)

TOWANDA PENNSYLVANIA 18848

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
CITIZENS & NORTHERN CORP [ CZNC ]

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)
05/15/2026

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 Stock	05/15/2026		J(1)	V	161	A	$20.85	19,017	D
Common Stock	05/15/2026		J(1)	V	77	A	$20.815	19,094	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:

1. Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan.

	/s/ Melinda S Kilburn for Bobbi J Kilmer, 4/24/25, Attorney-in-Fact	05/21/2026
	** 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 did CZNC director Bobbi J. Kilmer report in this Form 4?

Bobbi J. Kilmer reported routine changes in her CZNC holdings. Two dividend reinvestment plan transactions acquired 77 and 161 common shares, classified as “other acquisition or disposition” rather than open‑market buys or sells, modestly increasing her direct ownership.

How many Citizens & Northern (CZNC) shares did Bobbi J. Kilmer acquire?

She acquired 238 CZNC common shares in total. The filing shows 77 shares at $20.815 per share and 161 shares at $20.85 per share, all through cash dividend reinvestment under a dividend reinvestment plan, not via open‑market purchases.

What is Bobbi J. Kilmer’s CZNC shareholding after these transactions?

Following the reported dividend reinvestment transactions, Bobbi J. Kilmer directly owns 19,017 CZNC common shares. This figure reflects her position after the second transaction on May 15, 2026, as disclosed in the Form 4 data provided.

Were Bobbi J. Kilmer’s CZNC transactions open‑market buys or sells?

No, the transactions were not open‑market trades. They are coded “J” as other acquisition or disposition and described in the footnote as shares acquired through reinvestment of a cash dividend under a dividend reinvestment plan.

At what prices were the CZNC dividend reinvestment shares recorded?

The dividend reinvestment plan entries show 77 CZNC shares at $20.815 per share and 161 shares at $20.85 per share. These prices are the per‑share amounts used for the reinvested cash dividend allocations on May 15, 2026.