Dividend reinvestment lifts Citizens & Northern (NASDAQ: CZNC) holdings

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Robert G. Loughery reported a small increase in his holdings through a dividend reinvestment plan. On May 15, 2026, he acquired 140 shares of Common Stock at $20.815 per share via automatic reinvestment of a cash dividend, bringing his direct ownership to 12,136 shares.

The filing also notes indirect holdings of 375 shares held by a child and 2 shares held by a spouse. This reflects routine dividend reinvestment rather than an open-market purchase or sale.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Loughery Robert G

Role null

Type	Security	Shares	Price	Value
Other	Common Stock	140	$20.815	$3K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 12,136 shares (Direct, null); Common Stock — 2 shares (Indirect, By Spouse)

Footnotes (1)

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Key Figures

Dividend reinvestment shares: 140 shares Dividend reinvestment price: $20.815/share Direct holdings after transaction: 12,136 shares +2 more

5 metrics

Dividend reinvestment shares 140 shares Common Stock acquired via dividend reinvestment on May 15, 2026

Dividend reinvestment price $20.815/share Price per share for 140 reinvested shares

Direct holdings after transaction 12,136 shares Common Stock directly owned by Robert G. Loughery after reinvestment

Indirect holdings by child 375 shares Common Stock held indirectly, noted as By Child

Indirect holdings by spouse 2 shares Common Stock held indirectly, noted as By Spouse

Key Terms

Common Stock, dividend reinvestment plan, indirect, Form 4

4 terms

Common Stock financial

"security_title: "Common Stock" for all reported holdings"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

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.

indirect financial

""ownership_type": "indirect" for holdings By Child and By Spouse"

Form 4 regulatory

"INSIDER FILING DATA (Form 4): { "issuerName": "CITIZENS & NORTHERN CORP""

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

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^*

Loughery Robert G

(Last) (First) (Middle)

1128 SLOTTER ROAD

(Street)

PERKASIE PENNSYLVANIA 18944

(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	140	A	$20.815	12,136	D
Common Stock								2	I	By Spouse
Common Stock								375	I	By Child

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 Robert G Loughery, 3/20/25, 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 insider activity did CZNC director Robert G. Loughery report?

Robert G. Loughery reported acquiring 140 Citizens & Northern Corp (CZNC) common shares. The shares came from automatic dividend reinvestment, not an open-market trade, and modestly increased his directly held position to 12,136 shares.

How many CZNC shares does Robert G. Loughery hold after the latest Form 4?

After the reported transactions, Robert G. Loughery directly holds 12,136 CZNC common shares. The filing also shows 375 shares held indirectly by a child and 2 shares held indirectly by his spouse, reflecting small additional family-related positions.

What price was used for Robert G. Loughery’s CZNC dividend reinvestment?

The dividend reinvestment acquired 140 CZNC common shares at $20.815 per share. This price reflects the amount used under the company’s dividend reinvestment plan when cash dividends were automatically converted into additional shares.

Was Robert G. Loughery’s CZNC Form 4 a market buy or sell?

The Form 4 does not show an open-market buy or sell. Instead, 140 CZNC shares were acquired through a dividend reinvestment plan, where cash dividends are automatically used to purchase additional shares for the shareholder.

What indirect CZNC holdings are reported for Robert G. Loughery’s family?

The filing lists 375 CZNC common shares held indirectly by a child and 2 shares held indirectly by his spouse. These positions are reported as indirect ownership and are separate from Loughery’s 12,136 directly held shares.