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CNC

Citizens & Northern Corp Portfolio holdings

AUM $438M
1-Year Est. Return 26.63%
This Fund
S&P 500
This Quarter Est. Return
+7.65%
1 Year Est. Return
+26.63%
3 Year Est. Return
+73.33%
5 Year Est. Return
+89.1%
10 Year Est. Return
+326.13%
AUM
$404M
AUM Growth
+$29.9M
Cap. Flow
+$4.7M
Cap. Flow %
1.16%
Top 10 Hldgs %
51.65%
Holding
123
New
5
Increased
48
Reduced
46
Closed
2

Top Buys

Rank Stock Value
1
DFAC icon
Dimensional US Core Equity 2 ETF
DFAC
+$2.66M
2
AVDE icon
Avantis International Equity ETF
AVDE
+$1.54M
3
AVEM icon
Avantis Emerging Markets Equity ETF
AVEM
+$294K
4
VNQ icon
Vanguard Real Estate ETF
VNQ
+$243K
5
AVUS icon
Avantis US Equity ETF
AVUS
+$242K

Top Sells

Rank Stock Value
1
VONG icon
Vanguard Russell 1000 Growth ETF
VONG
+$256K
2
FDS icon
Factset
FDS
+$228K
3
ESG icon
FlexShares STOXX US ESG Select Index Fund
ESG
+$214K
4
MTB icon
M&T Bank
MTB
+$99.5K
5
MSFT icon
Microsoft
MSFT
+$99K

Sector Composition

Rank Sector Weight
1 Technology 17.94%
2 Financials 9.83%
3 Communication Services 5.4%
4 Consumer Discretionary 4.79%
5 Industrials 4.46%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IWF icon
76
iShares Russell 1000 Growth ETF
IWF
$128B
$1M 0.25%
8,544
– –
CDW icon
77
CDW
CDW
$17.1B
$987K 0.24%
6,196
-506
-8% -$86K
BIIB icon
78
Biogen
BIIB
$30.6B
$980K 0.24%
6,996
-32
-0.5% -$4.33K
MCD icon
79
McDonald's
MCD
$195B
$964K 0.24%
3,173
+10
+0.3% +$3.04K
BBWI icon
80
Bath & Body Works
BBWI
$4.13B
$916K 0.23%
35,558
+148
+0.4% +$4.39K
DD icon
81
DuPont de Nemours
DD
$19.4B
$894K 0.22%
9,141
+78
+0.9% +$7.35K
BMY icon
82
Bristol-Myers Squibb
BMY
$132B
$884K 0.22%
19,605
-41
-0.2% -$1.92K
VIG icon
83
Vanguard Dividend Appreciation ETF
VIG
$114B
$863K 0.21%
4,001
-122
-3% -$25.6K
SPTL icon
84
State Street SPDR Portfolio Long Term Treasury ETF
SPTL
$10.6B
$819K 0.2%
30,396
-147
-0.5% -$3.88K
IBM icon
85
IBM
IBM
$223B
$807K 0.2%
2,859
– –
BRK.B icon
86
Berkshire Hathaway Class B
BRK.B
$1.12T
$766K 0.19%
1,524
-50
-3% -$24.2K
AVEM icon
87
Avantis Emerging Markets Equity ETF
AVEM
$26.3B
$762K 0.19%
10,143
+4,120
+68% +$294K
VZ icon
88
Verizon
VZ
$195B
$731K 0.18%
16,640
+976
+6% +$42.2K
FCX icon
89
Freeport-McMoran
FCX
$97.6B
$715K 0.18%
18,219
+200
+1% +$8.68K
HAL icon
90
Halliburton
HAL
$26.6B
$686K 0.17%
27,878
-2,197
-7% -$48.6K
MTB icon
91
M&T Bank
MTB
$36.2B
$669K 0.17%
3,384
-507
-13% -$99.5K
SUB icon
92
iShares Short-Term National Muni Bond ETF
SUB
$11.4B
$633K 0.16%
5,929
– –
SPTS icon
93
State Street SPDR Portfolio Short Term Treasury ETF
SPTS
$6.11B
$595K 0.15%
20,294
+1,369
+7% +$40K
IWD icon
94
iShares Russell 1000 Value ETF
IWD
$83.7B
$574K 0.14%
2,819
-148
-5% -$29.4K
TIP icon
95
iShares TIPS Bond ETF
TIP
$14.5B
$571K 0.14%
5,134
– –
HYG icon
96
iShares iBoxx $ High Yield Corporate Bond ETF
HYG
$16.6B
$570K 0.14%
7,019
– –
DFIC icon
97
Dimensional International Core Equity 2 ETF
DFIC
$15.2B
$568K 0.14%
17,326
– –
ROP icon
98
Roper Technologies
ROP
$39.5B
$556K 0.14%
1,115
– –
CAT icon
99
Caterpillar
CAT
$390B
$539K 0.13%
1,130
+179
+19% +$76.4K
ITW icon
100
Illinois Tool Works
ITW
$85.4B
$489K 0.12%
1,876
– –
1 2 3
4
5

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SPT
Siemens Pension Trust Munich Germany, Germany $437M AUM 183.71% 1-Year Est. Return
BCM
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VBA
von Borstel & Associates The Dalles, Oregon $437M AUM 17.93% 1-Year Est. Return
HCM
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TECP
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CDMG
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ACG
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VDBMI
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Citizens & Northern Corp's Q3 2025 Portfolio in Review

As of Q3 2025, Citizens & Northern Corp held 123 positions worth $404M, up 8% from $374M the previous quarter. Its ten largest holdings account for 52% of the portfolio.

Citizens & Northern Corp's Q3 2025 filing shows 5 new, 48 increased, 46 reduced and 2 closed positions. Its largest new stake was Vanguard Real Estate ETF: 2,683 shares worth $245K. The largest sale was Vanguard Russell 1000 Growth ETF, an estimated $256K.

By sector, the portfolio is most concentrated in Technology at 18% of assets, up from 18% a quarter earlier, followed by Financials and Communication Services.

  • Citizens & Northern Corp's largest Q3 2025 buy was Vanguard Real Estate ETF: 2,683 shares worth $245K.
  • Citizens & Northern Corp added most to Dimensional US Core Equity 2 ETF in Q3 2025, an estimated $2.66M increase.
  • Citizens & Northern Corp's biggest Q3 2025 reduction was Vanguard Russell 1000 Growth ETF, cutting an estimated $256K.
  • Citizens & Northern Corp fully exited Factset in Q3 2025, selling an estimated $228K.
  • Citizens & Northern Corp's ten largest holdings make up 52% of its $404M portfolio in Q3 2025.
  • Citizens & Northern Corp opened 5 new positions and closed 2 in Q3 2025.
  • Citizens & Northern Corp's portfolio value rose 8% quarter-over-quarter to $404M.

Based on Citizens & Northern Corp's 13F filing for Q3 2025, filed 24 Oct 2025.