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
+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
VONG icon
1
Vanguard Russell 1000 Growth ETF
VONG
$43.5B
$44.8M 11.09%
367,716
-29,052
-7% -$3.54M
FREL icon
2
Fidelity MSCI Real Estate Index ETF
FREL
$1.5B
$29.2M 7.24%
1,087,071
+264,741
+32% +$7.23M
IGE icon
3
iShares North American Natural Resources ETF
IGE
$724M
$24.7M 6.13%
492,536
-2,968
-0.6% -$145K
IEMG icon
4
iShares Core MSCI Emerging Markets ETF
IEMG
$150B
$22.3M 5.52%
331,668
-25,119
-7% -$1.69M
IJH icon
5
iShares Core S&P Mid-Cap ETF
IJH
$122B
$17.1M 4.23%
258,672
+357
+0.1% +$23.4K
NVDA icon
6
NVIDIA
NVDA
$4.97T
$15.3M 3.78%
81,880
-6,151
-7% -$1.14M
AAPL icon
7
Apple
AAPL
$4.76T
$14.5M 3.59%
53,237
-4,631
-8% -$1.24M
MSFT icon
8
Microsoft
MSFT
$2.99T
$13.7M 3.39%
28,309
-2,922
-9% -$1.46M
SPMD icon
9
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.2B
$13.6M 3.38%
235,643
+3,261
+1% +$187K
EMB icon
10
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$15B
$12.7M 3.15%
132,225
+1,563
+1% +$150K
GOOG icon
11
Alphabet (Google) Class C
GOOG
$4.33T
$12.7M 3.15%
40,453
-4,731
-10% -$1.36M
DFAC icon
12
Dimensional US Core Equity 2 ETF
DFAC
$47.6B
$9.42M 2.34%
238,023
+5,622
+2% +$219K
AMZN icon
13
Amazon
AMZN
$2.71T
$8.7M 2.16%
37,712
-2,286
-6% -$523K
CZNC icon
14
Citizens & Northern Corp
CZNC
$416M
$7.29M 1.81%
361,412
+40,323
+13% +$804K
CZFS icon
15
Citizens Financial Services
CZFS
$359M
$6.67M 1.65%
117,063
-18
-0% -$1.02K
JPM icon
16
JPMorgan Chase
JPM
$905B
$6.47M 1.6%
20,091
-4,583
-19% -$1.42M
META icon
17
Meta Platforms (Facebook)
META
$1.65T
$5.8M 1.44%
8,780
+67
+0.8% +$44.7K
AVDE icon
18
Avantis International Equity ETF
AVDE
$17.5B
$4.51M 1.12%
54,809
+3,751
+7% +$301K
MA icon
19
Mastercard
MA
$483B
$4.5M 1.11%
7,877
-299
-4% -$167K
COST icon
20
Costco
COST
$415B
$3.77M 0.93%
4,373
-221
-5% -$200K
AMD icon
21
Advanced Micro Devices
AMD
$835B
$3.4M 0.84%
15,877
-108
-0.7% -$24.3K
MBB icon
22
iShares MBS ETF
MBB
$39.2B
$3.37M 0.83%
35,349
+969
+3% +$92.4K
XOM icon
23
ExxonMobil
XOM
$615B
$3.17M 0.79%
26,338
-1,217
-4% -$141K
ORCL icon
24
Oracle
ORCL
$354B
$2.83M 0.7%
14,504
+20
+0.1% +$4.76K
PG icon
25
Procter & Gamble
PG
$347B
$2.66M 0.66%
18,566
-190
-1% -$28K
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 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.