We are live on ! Find out more
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
VONG icon
1
Vanguard Russell 1000 Growth ETF
VONG
$43.5B
$47.8M 11.85%
396,768
-2,231
-0.6% -$256K
IGE icon
2
iShares North American Natural Resources ETF
IGE
$724M
$24.3M 6.02%
495,504
+380
+0.1% +$17.7K
IEMG icon
3
iShares Core MSCI Emerging Markets ETF
IEMG
$150B
$23.5M 5.83%
356,787
-605
-0.2% -$37.7K
FREL icon
4
Fidelity MSCI Real Estate Index ETF
FREL
$1.5B
$22.9M 5.67%
822,330
+2,319
+0.3% +$63.8K
IJH icon
5
iShares Core S&P Mid-Cap ETF
IJH
$122B
$16.9M 4.18%
258,315
-385
-0.1% -$24.7K
NVDA icon
6
NVIDIA
NVDA
$4.97T
$16.4M 4.07%
88,031
-26
-0% -$4.53K
MSFT icon
7
Microsoft
MSFT
$2.99T
$16.2M 4.01%
31,231
-194
-0.6% -$99K
AAPL icon
8
Apple
AAPL
$4.76T
$14.7M 3.65%
57,868
-296
-0.5% -$66.9K
SPMD icon
9
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.2B
$13.3M 3.29%
232,382
+176
+0.1% +$9.92K
EMB icon
10
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$15B
$12.4M 3.08%
130,662
+701
+0.5% +$65.6K
GOOG icon
11
Alphabet (Google) Class C
GOOG
$4.33T
$11M 2.73%
45,184
+403
+0.9% +$84.7K
DFAC icon
12
Dimensional US Core Equity 2 ETF
DFAC
$47.6B
$8.96M 2.22%
232,401
+71,190
+44% +$2.66M
AMZN icon
13
Amazon
AMZN
$2.71T
$8.78M 2.18%
39,998
-96
-0.2% -$21.7K
JPM icon
14
JPMorgan Chase
JPM
$905B
$7.78M 1.93%
24,674
-227
-0.9% -$67.5K
CZFS icon
15
Citizens Financial Services
CZFS
$359M
$7.06M 1.75%
117,081
– –
META icon
16
Meta Platforms (Facebook)
META
$1.65T
$6.4M 1.59%
8,713
+92
+1% +$68.5K
CZNC icon
17
Citizens & Northern Corp
CZNC
$416M
$6.36M 1.58%
321,089
-2,062
-0.6% -$40.6K
MA icon
18
Mastercard
MA
$483B
$4.65M 1.15%
8,176
+8
+0.1% +$4.59K
COST icon
19
Costco
COST
$415B
$4.25M 1.05%
4,594
+13
+0.3% +$12.5K
ORCL icon
20
Oracle
ORCL
$355B
$4.07M 1.01%
14,484
+32
+0.2% +$8.15K
AVDE icon
21
Avantis International Equity ETF
AVDE
$17.5B
$4.03M 1%
51,058
+20,185
+65% +$1.54M
MBB icon
22
iShares MBS ETF
MBB
$39.2B
$3.27M 0.81%
34,380
– –
XOM icon
23
ExxonMobil
XOM
$615B
$3.11M 0.77%
27,555
-43
-0.2% -$4.78K
ABT icon
24
Abbott
ABT
$177B
$2.93M 0.73%
21,875
+79
+0.4% +$10.4K
PG icon
25
Procter & Gamble
PG
$347B
$2.88M 0.71%
18,756
-3
-0% -$469
1
2 3 4 5

Similar funds

DA
Detalus Advisors St. Louis, Missouri $438M AUM 17.09% 1-Year Est. Return
CCT
Capital City Trust Tallahassee, Florida $437M AUM 23.86% 1-Year Est. Return
WAS
Winch Advisory Services Appleton, Wisconsin $438M AUM 17.59% 1-Year Est. Return
3IP
3Chopt Investment Partners Richmond, Virginia $437M AUM 25.93% 1-Year Est. Return
SPT
Siemens Pension Trust Munich Germany, Germany $437M AUM 183.71% 1-Year Est. Return
BCM
Beck Capital Management Austin, Texas $437M AUM 59.35% 1-Year Est. Return
VBA
von Borstel & Associates The Dalles, Oregon $437M AUM 17.93% 1-Year Est. Return
HCM
Harvey Capital Management Palm Beach, Florida $439M AUM 37.68% 1-Year Est. Return

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.