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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
T icon
101
AT&T
T
$163B
$481K 0.12%
17,037
-10
-0.1% -$284
DE icon
102
Deere & Co
DE
$168B
$405K 0.1%
886
– –
NFG icon
103
National Fuel Gas
NFG
$7.66B
$371K 0.09%
4,012
– –
DFEM icon
104
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$9.17B
$350K 0.09%
10,923
+4,033
+59% +$124K
IVV icon
105
iShares Core S&P 500 ETF
IVV
$902B
$343K 0.08%
512
– –
DGX icon
106
Quest Diagnostics
DGX
$26.3B
$300K 0.07%
1,574
-146
-8% -$25.9K
WMT icon
107
Walmart Inc
WMT
$889B
$284K 0.07%
2,760
-553
-17% -$55.1K
LOW icon
108
Lowe's Companies
LOW
$124B
$283K 0.07%
1,126
– –
VT icon
109
Vanguard Total World Stock ETF
VT
$79.7B
$276K 0.07%
2,000
– –
GWW icon
110
W.W. Grainger
GWW
$60.6B
$254K 0.06%
267
-14
-5% -$14.1K
CMI icon
111
Cummins
CMI
$88.4B
$253K 0.06%
+600
New +$230K
VNQ icon
112
Vanguard Real Estate ETF
VNQ
$39.1B
$245K 0.06%
+2,683
New +$243K
BNDC icon
113
FlexShares Core Select Bond Fund
BNDC
$170M
$238K 0.06%
10,565
-408
-4% -$9.09K
GOOGL icon
114
Alphabet (Google) Class A
GOOGL
$4.36T
$235K 0.06%
+965
New +$202K
ROK icon
115
Rockwell Automation
ROK
$49.2B
$233K 0.06%
666
– –
VTEB icon
116
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.3B
$228K 0.06%
4,546
-66
-1% -$3.24K
LLY icon
117
Eli Lilly
LLY
$1.05T
$215K 0.05%
282
– –
PGR icon
118
Progressive
PGR
$125B
$212K 0.05%
858
+76
+10% +$18.7K
SYY icon
119
Sysco
SYY
$39.9B
$206K 0.05%
+2,506
New +$200K
VO icon
120
Vanguard Morningstar Mid-Cap ETF
VO
$109B
$200K 0.05%
+2,724
New +$196K
F icon
121
Ford
F
$55.9B
$148K 0.04%
12,373
– –
ESG icon
122
FlexShares STOXX US ESG Select Index Fund
ESG
$136M
– –
-1,456
Closed -$214K
FDS icon
123
Factset
FDS
$10B
– –
-510
Closed -$228K
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
Trails Edge Capital Partners Atlanta, Georgia $437M AUM
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.