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Citizens & Northern Corp Portfolio holdings

AUM $438M
1-Year Est. Return 26.63%
This Fund
S&P 500
This Quarter Est. Return
+1.75%
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
+$19.7K
Cap. Flow
-$4.16M
Cap. Flow %
-1.03%
Top 10 Hldgs %
51.52%
Holding
130
New
9
Increased
32
Reduced
69
Closed
6

Top Buys

Rank Stock Value
1
FREL icon
Fidelity MSCI Real Estate Index ETF
FREL
+$7.23M
2
KKR icon
KKR & Co
KKR
+$1.76M
3
CAT icon
Caterpillar
CAT
+$1.71M
4
NFLX icon
Netflix
NFLX
+$1.69M
5
C icon
Citigroup
C
+$1.45M

Top Sells

Rank Stock Value
1
VONG icon
Vanguard Russell 1000 Growth ETF
VONG
+$3.54M
2
IEMG icon
iShares Core MSCI Emerging Markets ETF
IEMG
+$1.69M
3
HON icon
Honeywell
HON
+$1.55M
4
MSFT icon
Microsoft
MSFT
+$1.46M
5
JPM icon
JPMorgan Chase
JPM
+$1.42M

Sector Composition

Rank Sector Weight
1 Technology 17.21%
2 Financials 9.7%
3 Communication Services 5.71%
4 Consumer Discretionary 4.57%
5 Industrials 4.39%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
T icon
101
AT&T
T
$163B
$423K 0.1%
17,037
– –
XLV icon
102
State Street Health Care Select Sector SPDR ETF
XLV
$42.4B
$412K 0.1%
+2,659
New +$398K
DE icon
103
Deere & Co
DE
$169B
$410K 0.1%
880
-6
-0.7% -$2.82K
IHI icon
104
iShares US Medical Devices ETF
IHI
$3.36B
$384K 0.1%
+6,179
New +$381K
IVV icon
105
iShares Core S&P 500 ETF
IVV
$901B
$377K 0.09%
550
+38
+7% +$25.8K
HON icon
106
Honeywell
HON
$77.7B
$362K 0.09%
1,856
-7,915
-81% -$1.55M
LLY icon
107
Eli Lilly
LLY
$1.05T
$339K 0.08%
315
+33
+12% +$31.6K
CMCSA icon
108
Comcast
CMCSA
$90.1B
$330K 0.08%
11,030
-34,119
-76% -$974K
NFG icon
109
National Fuel Gas
NFG
$7.66B
$321K 0.08%
4,012
– –
CMI icon
110
Cummins
CMI
$88.5B
$306K 0.08%
600
– –
VT icon
111
Vanguard Total World Stock ETF
VT
$79.6B
$282K 0.07%
2,000
– –
GOOGL icon
112
Alphabet (Google) Class A
GOOGL
$4.35T
$279K 0.07%
890
-75
-8% -$21.4K
XLY icon
113
State Street Consumer Discretionary Select Sector SPDR ETF
XLY
$23.2B
$270K 0.07%
+2,260
New +$268K
DGX icon
114
Quest Diagnostics
DGX
$26.3B
$269K 0.07%
1,550
-24
-2% -$4.37K
LOW icon
115
Lowe's Companies
LOW
$124B
$266K 0.07%
1,105
-21
-2% -$5.04K
ROK icon
116
Rockwell Automation
ROK
$49.1B
$259K 0.06%
666
– –
GWW icon
117
W.W. Grainger
GWW
$60.3B
$247K 0.06%
245
-22
-8% -$21.3K
BLK icon
118
Blackrock
BLK
$175B
$238K 0.06%
222
-1,092
-83% -$1.19M
VNQ icon
119
Vanguard Real Estate ETF
VNQ
$39.1B
$237K 0.06%
2,683
– –
BNDC icon
120
FlexShares Core Select Bond Fund
BNDC
$170M
$233K 0.06%
10,418
-147
-1% -$3.31K
TFC icon
121
Truist Financial
TFC
$64.2B
$233K 0.06%
4,727
-29,621
-86% -$1.36M
HAL icon
122
Halliburton
HAL
$26.9B
$232K 0.06%
8,222
-19,656
-71% -$519K
VTEB icon
123
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.3B
$226K 0.06%
4,503
-43
-0.9% -$2.16K
PGR icon
124
Progressive
PGR
$125B
$211K 0.05%
925
+67
+8% +$15.1K
CDW icon
125
CDW
CDW
$17.2B
– –
-6,196
Closed -$987K
2 3 4
5
6

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SPT
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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 Q4 2025 Portfolio in Review

As of Q4 2025, Citizens & Northern Corp held 130 positions worth $404M, up 0% from $404M the previous quarter. Its ten largest holdings account for 52% of the portfolio.

Citizens & Northern Corp's Q4 2025 filing shows 9 new, 32 increased, 69 reduced and 6 closed positions. Its largest new stake was KKR & Co: 14,168 shares worth $1.81M. The largest sale was Vanguard Russell 1000 Growth ETF, an estimated $3.54M.

By sector, the portfolio is most concentrated in Technology at 17% of assets, down from 18% a quarter earlier, followed by Financials and Communication Services.

  • Citizens & Northern Corp's largest Q4 2025 buy was KKR & Co: 14,168 shares worth $1.81M.
  • Citizens & Northern Corp added most to Fidelity MSCI Real Estate Index ETF in Q4 2025, an estimated $7.23M increase.
  • Citizens & Northern Corp's biggest Q4 2025 reduction was Vanguard Russell 1000 Growth ETF, cutting an estimated $3.54M.
  • Citizens & Northern Corp fully exited FedEx in Q4 2025, selling an estimated $1.07M.
  • Citizens & Northern Corp's ten largest holdings make up 52% of its $404M portfolio in Q4 2025.
  • Citizens & Northern Corp opened 9 new positions and closed 6 in Q4 2025.
  • Citizens & Northern Corp's portfolio value rose 0% quarter-over-quarter to $404M.

Based on Citizens & Northern Corp's 13F filing for Q4 2025, filed 28 Jan 2026.