CZNC to acquire SQCF in $44.3M stock-for-stock merger; ~17% EPS accretive

CITIZENS & NORTHERN CORP

Exchange ratio 0.80 CZNC shares per SQCF share; total consideration ~$44.3M based on $19.48 CZNC close.
Combined assets ~$3.2B; SQCF shareholders own ~13% of pro forma CZNC.
Expected ~17% EPS accretion in 2026 with single-digit tangible book value dilution at close.
Transaction to close in Q4 2025; regulatory approvals and SQCF shareholder vote required.
Chris Trate joins C&N board; Dave Runk as EVP/Strategic Advisor; Jeffrey Hollenbach as Region President.

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