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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
+0.67%
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
$365M
AUM Growth
+$32M
Cap. Flow
+$33.8M
Cap. Flow %
9.25%
Top 10 Hldgs %
50.68%
Holding
137
New
11
Increased
73
Reduced
21
Closed
11

Top Buys

Rank Stock Value
1
IGE icon
iShares North American Natural Resources ETF
IGE
+$19.8M
2
IEMG icon
iShares Core MSCI Emerging Markets ETF
IEMG
+$19.5M
3
VONG icon
Vanguard Russell 1000 Growth ETF
VONG
+$4.39M
4
EMB icon
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
+$1.81M
5
CZFS icon
Citizens Financial Services
CZFS
+$1.72M

Top Sells

Rank Stock Value
1
GUNR icon
FlexShares Global Upstream Natural Resources Index Fund
GUNR
+$18.5M
2
IBM icon
IBM
IBM
+$1.7M
3
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$705K
4
T icon
AT&T
T
+$692K
5
XLY icon
State Street Consumer Discretionary Select Sector SPDR ETF
XLY
+$626K

Sector Composition

Rank Sector Weight
1 Technology 17.37%
2 Financials 10.38%
3 Consumer Discretionary 5.88%
4 Communication Services 5.01%
5 Industrials 4.47%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VONG icon
1
Vanguard Russell 1000 Growth ETF
VONG
$42.5B
$43.2M 11.84%
418,554
+43,305
+12% +$4.39M
FREL icon
2
Fidelity MSCI Real Estate Index ETF
FREL
$1.53B
$21.2M 5.8%
783,067
-21,126
-3% -$604K
IGE icon
3
iShares North American Natural Resources ETF
IGE
$747M
$18.7M 5.13%
+438,469
New +$19.8M
IEMG icon
4
iShares Core MSCI Emerging Markets ETF
IEMG
$149B
$18.4M 5.03%
+351,646
New +$19.5M
IJH icon
5
iShares Core S&P Mid-Cap ETF
IJH
$123B
$15.6M 4.27%
249,959
+2,323
+0.9% +$149K
SPMD icon
6
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.2B
$15.3M 4.2%
280,513
+2,585
+0.9% +$145K
AAPL icon
7
Apple
AAPL
$4.89T
$15.1M 4.14%
60,417
+2,838
+5% +$669K
MSFT icon
8
Microsoft
MSFT
$2.84T
$13.7M 3.77%
32,618
+440
+1% +$187K
NVDA icon
9
NVIDIA
NVDA
$5.01T
$12.3M 3.36%
91,399
+752
+0.8% +$104K
EMB icon
10
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$14.9B
$11.4M 3.13%
128,456
+19,854
+18% +$1.81M
GOOG icon
11
Alphabet (Google) Class C
GOOG
$3.9T
$8.85M 2.43%
46,486
+283
+0.6% +$50K
AMZN icon
12
Amazon
AMZN
$2.5T
$8.71M 2.39%
39,690
+3,691
+10% +$755K
CZFS icon
13
Citizens Financial Services
CZFS
$360M
$7.34M 2.01%
117,081
+26,960
+30% +$1.72M
CZNC icon
14
Citizens & Northern Corp
CZNC
$436M
$6.3M 1.73%
338,687
+10,392
+3% +$204K
JPM icon
15
JPMorgan Chase
JPM
$939B
$6.17M 1.69%
25,722
+913
+4% +$213K
DFAC icon
16
Dimensional US Core Equity 2 ETF
DFAC
$47.5B
$5.66M 1.55%
163,552
– –
META icon
17
Meta Platforms (Facebook)
META
$1.51T
$5.34M 1.46%
9,117
-149
-2% -$87.5K
COST icon
18
Costco
COST
$415B
$5.11M 1.4%
5,573
-29
-0.5% -$26.9K
MA icon
19
Mastercard
MA
$477B
$4.3M 1.18%
8,172
-254
-3% -$131K
CMG icon
20
Chipotle Mexican Grill
CMG
$40.8B
$3.47M 0.95%
57,598
+1,694
+3% +$102K
PG icon
21
Procter & Gamble
PG
$343B
$3.11M 0.85%
18,526
+81
+0.4% +$13.8K
MBB icon
22
iShares MBS ETF
MBB
$39B
$3.09M 0.85%
33,681
-322
-0.9% -$30K
XOM icon
23
ExxonMobil
XOM
$651B
$3.08M 0.84%
28,610
-2
-0% -$234
CRM icon
24
Salesforce
CRM
$134B
$3.02M 0.83%
9,036
+232
+3% +$74K
HD icon
25
Home Depot
HD
$332B
$2.63M 0.72%
6,765
+161
+2% +$65.8K
1
2 3 4 5

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Citizens & Northern Corp's Q4 2024 Portfolio in Review

As of Q4 2024, Citizens & Northern Corp held 137 positions worth $365M, up 9.6% from $333M the previous quarter. Its ten largest holdings account for 51% of the portfolio.

Citizens & Northern Corp deployed $33.8M of net new capital in Q4 2024, opening 11 new positions and adding to 73 existing holdings. Its largest new stake was iShares North American Natural Resources ETF: 438,469 shares worth $18.7M.

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

On the sell side, the largest reduction was FlexShares Global Upstream Natural Resources Index Fund, an estimated $18.5M trimmed.

  • Citizens & Northern Corp's largest Q4 2024 buy was iShares North American Natural Resources ETF: 438,469 shares worth $18.7M.
  • Citizens & Northern Corp added most to Vanguard Russell 1000 Growth ETF in Q4 2024, an estimated $4.39M increase.
  • Citizens & Northern Corp's biggest Q4 2024 reduction was FlexShares Global Upstream Natural Resources Index Fund, cutting an estimated $18.5M.
  • Citizens & Northern Corp fully exited iShares Core US Aggregate Bond ETF in Q4 2024, selling an estimated $705K.
  • Citizens & Northern Corp's ten largest holdings make up 51% of its $365M portfolio in Q4 2024.
  • Citizens & Northern Corp opened 11 new positions and closed 11 in Q4 2024.
  • Citizens & Northern Corp's portfolio value rose 9.6% quarter-over-quarter to $365M.

Based on Citizens & Northern Corp's 13F filing for Q4 2024, filed 31 Jan 2025.