Watkins Tracy Ellen 4/A

What Happened

• Tracy Ellen Watkins, Executive Vice President of Citizens & Northern Corp (CZNC), acquired 160 shares through dividend reinvestment (83 shares at $23.59 on 2026-02-13 and 77 shares at $23.76 on 2026-02-18) totaling about $3,788. She had 111 shares withheld/disposed on 2026-02-20 at $23.67 (value ~$2,627) to satisfy a tax liability related to an issuance/vesting. Net change from these transactions is +49 shares.

Key Details

• Transactions:
  • 2026-02-13: acquired 83 shares @ $23.59 = $1,958 (code J; DRIP)
  • 2026-02-18: acquired 77 shares @ $23.76 = $1,830 (code J; DRIP)
  • 2026-02-20: 111 shares disposed/withheld @ $23.67 = $2,627 (code F; tax withholding)
• Shares owned after the reported transactions: not stated in this filing.
• Footnotes: F1 = shares from dividend reinvestment plan; F3 = shares delivered/withheld to pay exercise price or tax liability; F2 = this is a Form 4/A amendment filed to confirm voluntary reporting (no other changes to the original Form 4).
• Filing: This is an amended Form 4; the amendment states it is voluntary and makes no other changes to the original filing.

Context

• The acquisitions were via a dividend reinvestment plan (DRIP), a routine way insiders convert cash dividends into additional company shares. The 111-share disposition was withholding to cover tax obligations related to receipt/exercise/vesting, not an open-market sale. These are relatively small, routine transactions and do not by themselves indicate a change in insider sentiment.