[Form 4] Citizens & Northern Corporation Insider Trading Activity

Rhea-AI Filing Summary

Aaron K. Singer, a director of Citizens & Northern Corp (CZNC), reported stock purchases made under the issuer's dividend reinvestment plan. On 08/15/2025 he acquired 106 shares of Common Stock at $19.36 per share, bringing his direct beneficial ownership to 9,161 shares. On the same date he acquired 80 shares at $19.56 per share for his spouse's IRA, bringing indirect beneficial ownership to 5,649 shares. The filing states these acquisitions were made through reinvestment of cash dividends. The Form 4 was signed on 08/22/2025 by an attorney-in-fact.

Positive

• Acquisitions made via dividend reinvestment, indicating continued ownership alignment with shareholders
• Timely Section 16 disclosure with post-transaction beneficial ownership amounts reported
• Clear attribution of indirect ownership (spouse's IRA) rather than opaque third-party holdings

Negative

• None.

Insights

Securities Analyst

TL;DR: Routine dividend reinvestment led to small, incremental insider purchases; no new compensation grants or dispositions reported.

The report documents two non-derivative acquisitions executed on 08/15/2025 via dividend reinvestment: 106 shares at $19.36 (direct) and 80 shares at $19.56 (indirect, spouse's IRA). These are classified with transaction code J(1), consistent with dividend reinvestment. The filing increases both direct and indirect holdings but contains no changes to options, grants, or dispositions. For investors, this is a routine disclosure confirming continued ownership rather than an actionable corporate change.

Corporate Governance Expert

TL;DR: Disclosure is standard and complies with Section 16 reporting for a director; transactions are tied to dividend reinvestment.

The Form 4 identifies Aaron K. Singer as a director and shows timely reporting of acquisitions via the issuer's dividend reinvestment plan. The filing includes explicit ownership amounts post-transaction and an explanation stating reinvestment of cash dividends. Signature indicates filing was completed by an attorney-in-fact. There are no governance actions, director departures, or related-party transactions disclosed beyond the routine reinvestments.

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^*

SINGER AARON K

(Last) (First) (Middle)

77 GREENBRIAR DRIVE

(Street)

WELLSBORO PA 16901

(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)
08/15/2025

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	08/15/2025		J(1)	V	106	A	$19.36	9,161	D
Common Stock	08/15/2025		J(1)	V	80	A	$19.56	5,649	I	Spouse's IRA

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 Aaron K Singer, 3/20/25, Attorney-in-Fact	08/22/2025
	** 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 transactions did Aaron K. Singer report on Form 4 for CZNC?

He reported two acquisitions on 08/15/2025: 106 shares at $19.36 (direct) and 80 shares at $19.56 (indirect, spouse's IRA).

Why were the shares acquired according to the Form 4?

The filing explains the shares were acquired through reinvestment of cash dividends under the issuer's dividend reinvestment plan.

What are Aaron K. Singer's beneficial ownership totals after these transactions?

Following the reported transactions he beneficially owns 9,161 shares directly and 5,649 shares indirectly (spouse's IRA).

When was the Form 4 signed and who signed it?

The Form 4 bears a signature entry showing /s/ Melinda S Kilburn for Aaron K Singer, Attorney-in-Fact with a filing date of 08/22/2025.

What transaction code is used on the Form 4 and what does it indicate?

The transactions are labeled with code J(1), which the form associates here with acquisitions from dividend reinvestment (as explained in the filing).