CZNC director acquires 191 shares at $19.53 via dividend plan

Citizens & Northern Corp (CZNC) director Leo F. Lambert reported acquiring additional common stock through a dividend reinvestment plan.

Rhea-AI Filing Summary

Citizens & Northern Corp (CZNC) director Leo F. Lambert reported acquiring additional common stock through a dividend reinvestment plan. On 11/14/2025, 191 shares of common stock were acquired at a price of $19.53 per share, as shown in the non-derivative securities table with transaction code "J" and an explanatory note that the shares were obtained via reinvestment of a cash dividend. Following this transaction, Lambert beneficially owns 44,388 shares of Citizens & Northern common stock in direct ownership.

Insider Trade Summary

Other: 191 shares

Other 1 txn

Insider LAMBERT LEO F

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	191	$19.53	$4K

Holdings After Transaction: Common Stock — 44,388 shares (Direct)

Footnotes (1)

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

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction was reported for CITIZENS & NORTHERN CORP (CZNC)?

A director, Leo F. Lambert, reported acquiring 191 shares of Citizens & Northern Corp common stock on 11/14/2025 through a dividend reinvestment plan.

At what price were the CZNC shares acquired in this Form 4 filing?

The 191 shares of Citizens & Northern Corp common stock were acquired at a price of $19.53 per share.

How many CITIZENS & NORTHERN CORP shares does the reporting person own after the transaction?

After the reported transaction, Leo F. Lambert beneficially owns 44,388 shares of Citizens & Northern Corp common stock in direct ownership.

What was the nature of the CZNC share acquisition reported by the director?

The filing explains that the shares were acquired through reinvestment of a cash dividend under a dividend reinvestment plan.

What is the relationship of the reporting person to CITIZENS & NORTHERN CORP (CZNC)?

Leo F. Lambert is reported as a Director of Citizens & Northern Corp.

Is this CZNC Form 4 filed by one or multiple reporting persons?

The document indicates that the Form 4 is filed by one reporting person, Leo F. Lambert.

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

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Accepted by SEC EDGAR 11/26/2025 - 02:31 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).

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^*

LAMBERT LEO F

(Last) (First) (Middle)

PO BOX 345,

213 ACADEMY TERRACE

(Street)

DUSHORE PA 18614

(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	191	A	$19.53	44,388	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 Leo F Lambert, 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.