Citizens & Northern (CZNC) Insider Adds 19 Shares Under 10b5-1 Plan

Rhea-AI Filing Summary

Citizens & Northern Corporation (CZNC) filed a Form 4 disclosing that director Katherine W. Shattuck purchased 19 shares of common stock on July 7, 2025 at $19.9897 per share, for a total consideration of roughly $380. The transaction was executed under a Rule 10b5-1 trading plan that became effective on May 1, 2025. After the purchase, Shattuck’s direct holdings stand at 9,348 shares. No derivative securities transactions were reported in the filing.

The trade represents a routine, low-value insider purchase that is unlikely to have a material financial impact on Citizens & Northern’s share count or liquidity, but it can be interpreted as a modest signal of insider confidence.

Insights

Financial Analyst

TL;DR: Director buys 19 CZNC shares; symbolic confidence, financially immaterial, neutral market impact.

This Form 4 reports a very small insider purchase—only 19 shares—by director Katherine W. Shattuck at roughly $20 each. While insider buying is generally viewed positively, the dollar value (~$380) and share volume are negligible relative to CZNC’s outstanding share count. The transaction was executed under a pre-arranged 10b5-1 plan, suggesting no opportunistic timing. From a portfolio or valuation standpoint, this filing is not impactful; however, it does show that the director continues to accumulate stock and now owns 9,348 shares, aligning her interests—albeit marginally—with shareholders.

Insider Trade Summary

Net Buyer: 19 shares

Net Buy 1 txn

Insider Shattuck Katherine W

Role Director

Bought 19 shs ($379.80)

Type	Security	Shares	Price	Value
Purchase	Common Stock	19	$19.9897	$379.80

Holdings After Transaction: Common Stock — 9,348 shares (Direct)

Footnotes (1)

1. F1. This transaction was made pursuant to a written plan that became effective 5/1/25.

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

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 07/08/2025 - 02:27 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^*

Shattuck Katherine W

(Last) (First) (Middle)

2548 LAKE ROAD

(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)
07/07/2025

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	07/07/2025		P(1)		19	A	$19.9897	9,348	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 5/1/25.

	/s/ Melinda Kilburn for Katherine W Shattuck, 03.20.25, Attorney-in-Fact	07/08/2025
	** 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.