CZNC director boosts holdings through dividend reinvestment plan

Rhea-AI Filing Summary

Citizens & Northern Corp (CZNC) director reported small open-market-equivalent share acquisitions through a dividend reinvestment plan. On 11/14/2025, the reporting person acquired 168 shares of common stock at $19.53 per share and an additional 63 shares at $19.415 per share, both coded as acquisitions under transaction code J related to a dividend reinvestment plan.

Following these transactions, the director directly beneficially owns 17,581 shares of Citizens & Northern common stock. The filing notes that the transactions were effected under a dividend reinvestment plan, meaning cash dividends were automatically reinvested into additional shares rather than taken in cash.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Kilmer Bobbi J

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	168	$19.53	$3K
Other	Common Stock	63	$19.415	$1K

Holdings After Transaction: Common Stock — 17,518 shares (Direct)

Footnotes (1)

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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^*

Kilmer Bobbi J

(Last) (First) (Middle)

555 COUNTRY VIEW DRIVE

(Street)

TOWANDA PA 18848

(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	168	A	$19.53	17,518	D
Common Stock	11/14/2025		J(1)	V	63	A	$19.415	17,581	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 Bobbi J Kilmer, 4/24/25, 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.

FAQ

What insider transaction did CZNC report in this Form 4?

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

How many CZNC shares did the director acquire and at what prices?

The director acquired 168 shares of CZNC common stock at $19.53 per share and 63 shares at $19.415 per share, both on 11/14/2025.

What is the director’s total CZNC share ownership after these transactions?

After the reported dividend reinvestment transactions, the director beneficially owns 17,581 shares of Citizens & Northern Corp common stock in direct ownership.

What does the transaction code J mean in this CZNC Form 4?

The filing uses transaction code J and explains that the reported shares were acquired through reinvestment of cash dividends under a dividend reinvestment plan.

Is the CZNC director a 10% owner based on this Form 4?

The relationship section shows the box checked for Director; the box for 10% Owner is not marked, indicating the reporting person is a director but not reported here as a 10% owner.

Is the reported CZNC ownership held directly or indirectly?

The Form 4 indicates that the 17,581 shares of CZNC common stock are held in direct (D) ownership by the reporting person.

Who signed the CZNC Form 4 and in what capacity?

The Form 4 was signed by /s/ Melinda S Kilburn for Bobbi J Kilmer, Attorney-in-Fact, indicating it was filed under a power of attorney for the reporting person.