Citizens & Northern director buys 178 shares

A CITIZENS & NORTHERN CORP director increased his direct common stock holdings under a pre-arranged trading plan.

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP (CZNC) director Frank G. Pellegrino purchased 178 shares of common stock on September 4, 2026 at an average price of $26.17 per share in an open-market or private transaction. The purchase was made pursuant to a written trading plan that became effective May 1, 2026, bringing his directly held stake to 51,825 shares.

Insider Trade Summary 10b5-1

Net Buyer: 178 shares

Net Buy 1 txn

Insider Pellegrino Frank G

Role Director

Bought 178 shs ($5K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F1	178	$26.1662	$5K

Holdings After Transaction: Common Stock — 51,825 shares (Direct)

Footnotes (1)

1. F1. This transaction was made pursuant to a written plan that became effective 5/1/26.

Key Figures

Shares purchased: 178 shares Purchase price per share: $26.1662 per share Shares held after transaction: 51,825 shares +2 more

5 metrics

Shares purchased 178 shares Common stock acquired on September 4, 2026

Purchase price per share $26.1662 per share Average price for the September 4, 2026 purchase

Shares held after transaction 51,825 shares Director’s direct CZNC common stock holdings following the purchase

Plan effective date May 1, 2026 Effective date of written plan under which the trade was executed

Net buy shares reported 178 shares Net result of all reported transactions in this Form 4

Key Terms

open market, private transaction, written plan

3 terms

open market financial

"Purchase in open market or private transaction"

An open market is a system where buying and selling of goods, services, or financial assets happen freely without restrictions or special controls. For investors, it means they can trade assets easily and quickly, which helps determine fair prices based on supply and demand. This environment encourages transparency and competition, making it easier to buy or sell with confidence.

private transaction financial

"Purchase in open market or private transaction"

A private transaction is the sale or transfer of securities, assets, or ownership stakes carried out directly between a small number of parties rather than on a public exchange. For investors it matters because these deals are less visible and often less liquid than public trades, so pricing can be harder to verify, the investment can be harder to sell quickly, and buyers or sellers may gain strategic advantages not available in open markets — like negotiated terms similar to a private garage sale versus a crowded marketplace.

written plan regulatory

"This transaction was made pursuant to a written plan that became effective"

FAQ

What insider transaction did CZNC report for director Frank G. Pellegrino?

CZNC reported that director Frank G. Pellegrino bought 178 shares of common stock on September 4, 2026 in an open-market or private transaction at an average price of $26.17 per share.

How many CZNC shares does the director hold after the reported transaction?

After the September 4, 2026 purchase, director Frank G. Pellegrino directly holds 51,825 CZNC common shares.

At what price did the CZNC director purchase shares in this Form 4 filing?

The reported purchase price for the CZNC common stock was an average of $26.1662 per share, rounded to $26.17, for the 178 shares acquired on September 4, 2026.

Was the CZNC insider trade made under a trading plan?

Yes. The filing states the transaction was made pursuant to a written plan that became effective on May 1, 2026, and the Rule 10b5-1 checkbox is marked as affirmed.

Is the reported CZNC Form 4 transaction a purchase or a sale?

The reported Form 4 transaction is a purchase of CZNC common stock, with 178 shares acquired by director Frank G. Pellegrino.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/08/2026 - 12:28 PM Accepted by SEC EDGAR 09/08/2026 - 12:27 PM Learn about SEC filing dates

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).

X

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^*

Pellegrino Frank G

(Last) (First) (Middle)

2050 POCO FARM ROAD

(Street)

WILLIAMSPORT PENNSYLVANIA 17701

(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)
09/04/2026

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	09/04/2026		P(1)		178	A	$26.1662	51,825	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. This transaction was made pursuant to a written plan that became effective 5/1/26.

	/s/ Melinda S Kilburn for Frank Pellegrino, 3/20/25, Attorney-in-Fact	09/08/2026
	** 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)