Citizens & Northern (CZNC) insider boosts holdings through DRIP

Rhea-AI Filing Summary

Citizens & Northern Corp (CZNC) reported an insider share acquisition on a Form 4. A director acquired 72 shares of common stock on 11/14/2025 at $19.53 per share through the reinvestment of a cash dividend under a dividend reinvestment plan. Following this transaction, the director beneficially owns 13,263 CZNC shares directly and 6,548 shares indirectly through a corporation. This reflects routine ownership growth tied to automatic dividend reinvestment rather than a large discretionary purchase.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Dorwart Stephen M

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	72	$19.53	$1K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 13,263 shares (Direct); Common Stock — 6,548 shares (Indirect, By Corporation)

Footnotes (1)

1. F1. Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 11/26/2025 - 02:34 PM Learn about SEC filing dates

FAQ

What insider transaction did CZNC report on this Form 4?

The Form 4 reports that a Citizens & Northern Corp (CZNC) director acquired 72 shares of common stock on 11/14/2025 through a dividend reinvestment transaction.

At what price were the CZNC shares acquired in the reported transaction?

The director acquired 72 CZNC common shares at a price of $19.53 per share as part of the dividend reinvestment transaction.

How many CZNC shares does the insider own after this Form 4 transaction?

After the transaction, the director beneficially owns 13,263 CZNC shares directly and 6,548 shares indirectly through a corporation.

What does the transaction code J(1) mean in the CZNC Form 4?

The Form 4 lists transaction code J(1), with an explanation that the shares were acquired through reinvestment of cash dividend under a dividend reinvestment plan.

Is the reported CZNC Form 4 transaction a derivative securities transaction?

No. The completed table shows only non-derivative common stock transactions. The derivative securities table does not list any acquired or disposed derivative positions in this excerpt.

What type of ownership does the CZNC insider report on this Form 4?

The director reports both direct ownership (D) of CZNC common stock and indirect ownership (I) of additional shares held by a corporation.

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^*

Dorwart Stephen M

(Last) (First) (Middle)

234 CEDAR ROAD

(Street)

MULLICA HILL NJ 08062

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
11/14/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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	11/14/2025		J(1)	V	72	A	$19.53	13,263	D
Common Stock								6,548	I	By Corporation

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 Stephen M Dorwart, 3/20/25, Attorney-in-Fact	11/26/2025
	** 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.