Citizens & Northern director buys 198 shares

CITIZENS & NORTHERN CORP director Frank G. Pellegrino reported an open-market purchase of 198 shares of common stock at $23.025 per share on July 8, 2026.

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Frank G. Pellegrino reported an open-market purchase of 198 shares of common stock at $23.025 per share on July 8, 2026. Following this transaction, he directly holds 50,900 shares of the company’s common stock. The purchase was executed pursuant to a written plan that became effective on May 1, 2026.

Insights

Equity ownership analyst

Small, pre-planned director share purchase with limited informational signal.

Director Frank G. Pellegrino executed an open-market purchase of 198 common shares of CITIZENS & NORTHERN CORP at $23.025 per share. After this trade, he directly owns 50,900 shares, so the transaction slightly increases an already established position.

A footnote states the trade was made under a written plan effective on May 1, 2026, indicating a pre-arranged trading arrangement. Such plans are typically designed to systematize trading and reduce timing significance, so the transaction is best viewed as routine portfolio and ownership management rather than a strong standalone signal.

Insider Trade Summary 10b5-1

Net Buyer: 198 shares

Net Buy 1 txn

Insider Pellegrino Frank G

Role Director

Bought 198 shs ($5K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F1	198	$23.025	$5K

Holdings After Transaction: Common Stock — 50,900 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: 198 shares Purchase price: $23.025 per share Post-transaction holdings: 50,900 shares +2 more

5 metrics

Shares purchased 198 shares Open-market purchase of common stock on July 8, 2026

Purchase price $23.025 per share Price paid for CZNC common stock in the July 8, 2026 transaction

Post-transaction holdings 50,900 shares Common stock directly owned by Frank G. Pellegrino after the transaction

Plan effective date May 1, 2026 Written plan under which the transaction was executed became effective on this date

Transaction date July 8, 2026 Date of reported open-market purchase of CZNC common stock

Key Terms

open-market purchase, non-derivative, written plan

3 terms

open-market purchase financial

"Transaction action described as an open-market purchase of common stock"

An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.

non-derivative financial

"Transaction type is classified as non-derivative security (common stock)"

written plan regulatory

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

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

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Accepted by SEC EDGAR 07/10/2026 - 08:49 AM EDT 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)
07/08/2026

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	07/08/2026		P(1)		198	A	$23.025	50,900	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	07/10/2026
	** 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)