Latest CITIZENS & NORTHERN CORP Stock Portfolio

CITIZENS & NORTHERN CORP Performance:

2025 Q3: 4.15%YTD: 6.27%2024: 6.35%

Performance for 2025 Q3 is 4.15%, and YTD is 6.27%, and 2024 is 6.35%.

About CITIZENS & NORTHERN CORP and 13F Hedge Fund Stock Holdings

In it's latest 13F Holdings report, CITIZENS & NORTHERN CORP reported an equity portfolio of $403.5 Millions as of 30 Sep, 2025.

The top stock holdings of CITIZENS & NORTHERN CORP are BNDW, IJR, EMGF. The fund has invested 11.8% of it's portfolio in VANGUARD RUSSELL 1000 GROWTH ETF and 6% of portfolio in ISHARES NORTH AMERICAN NATURAL RESOURCES ETF.

The fund managers got completely rid off FACTSET RESEARCH SYSTEMS INC (FDS) and FLEXSHARES STOXX US ESG SELECT INDEX ETF (ASET) stocks. They significantly reduced their stock positions in WALMART INC. (WMT), M & T BANK CORP (MTB) and QUEST DIAGNOSTICS INC (DGX). CITIZENS & NORTHERN CORP opened new stock positions in CUMMINS INC (CMI), VANGUARD REIT INDEX ETF (VB) and ALPHABET INC CLASS A (GOOG). The fund showed a lot of confidence in some stocks as they added substantially to AVANTIS EMERGING MARKETS EQUITY ETF (AEMB), DFA DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF (DFAC) and CATERPILLAR INC (CAT).

CITIZENS & NORTHERN CORP Annual Return Estimates Vs S&P 500

Our best estimate is that CITIZENS & NORTHERN CORP made a return of 4.15% in the last quarter. In trailing 12 months, it's portfolio return was 6.67%.

New Buys

Ticker	$ Bought
cummins inc	253,422
vanguard reit index etf	245,280
alphabet inc class a	234,592
sysco corp	206,344
vanguard mid-cap etf	200,037

New stocks bought by CITIZENS & NORTHERN CORP

Additions

Ticker	% Inc.
avantis emerging markets equity etf	68.4
avantis international equity etf	65.38
dfa dimensional emerging markets core equity 2 etf	58.53
dimensional u.s. core equity 2 etf	44.16
avantis us equity etf	20.01
caterpillar inc	18.82
progressive corp ohio common	9.72
accenture plc	8.41

Additions to existing portfolio by CITIZENS & NORTHERN CORP

Reductions

Ticker	% Reduced
walmart inc.	-16.69
m & t bank corp	-13.03
quest diagnostics inc	-8.49
cdw corporation	-7.55
halliburton co	-7.31
fedex corp	-6.44
blackrock funding inc	-6.28
truist financial corporation	-5.83

CITIZENS & NORTHERN CORP reduced stake in above stock

Sold off

Ticker	$ Sold
flexshares stoxx us esg select index etf	-213,779
factset research systems inc	-228,113

CITIZENS & NORTHERN CORP got rid off the above stocks

Sector Distribution

CITIZENS & NORTHERN CORP has about 49.5% of it's holdings in Others sector.

Sector	%
Others	49.5
Technology	17.9
Financial Services	9.3
Communication Services	5
Consumer Cyclical	4.8
Industrials	4.5
Healthcare	3.2
Consumer Defensive	2.8
Energy	1.9

Market Cap. Distribution

CITIZENS & NORTHERN CORP has about 47.5% of it's portfolio invested in the large-cap and mega-cap stocks.

Category	%
UNALLOCATED	48.9
MEGA-CAP	29.2
LARGE-CAP	18.3
MICRO-CAP	3.3

Stocks belong to which Index?

About 50.8% of the stocks held by CITIZENS & NORTHERN CORP either belong to S&P 500 or RUSSELL 2000 index.

Index	%
Others	49.2
S&P 500	47.5
RUSSELL 2000	3.3

Top 5 Winners (%)		%
GLW	corning inc	56.0 %
GOOG	alphabet inc class c	36.8 %
ORCL	oracle corp	28.6 %
AAPL	apple computer inc	24.1 %
JNJ	johnson & johnson	21.4 %

Top 5 Winners ($)		$
GOOG	alphabet inc class c	3.0 M
AAPL	apple computer inc	2.9 M
NVDA	nvidia corp	2.5 M
IJR	ishares north american natural resources etf	2.4 M
ORCL	oracle corp	0.9 M

Top 5 Losers (%)		%
CMG	chipotle mexican grill inc corp common	-30.2 %
CARR	carrier global corp	-18.3 %
ACN	accenture plc	-16.4 %
BBWI	bath & body works	-14.0 %
CRM	salesforce, inc.	-13.1 %

Top 5 Losers ($)		$
CMG	chipotle mexican grill inc corp common	-0.8 M
CRM	salesforce, inc.	-0.3 M
COST	costco wholesale corp (new)	-0.3 M
ACN	accenture plc	-0.3 M
CARR	carrier global corp	-0.3 M

CITIZENS & NORTHERN CORP Holdings Map

This heatmap illustrates the top 50 positions within the fund's portfolio.

Current Stock Holdings of CITIZENS & NORTHERN CORP

CITIZENS & NORTHERN CORP has 121 stocks in it's portfolio. About 51.6% of the portfolio is in top 10 stocks. CMG proved to be the most loss making stock for the portfolio. GOOG was the most profitable stock for CITIZENS & NORTHERN CORP last quarter.

Last Reported on: 24 Oct, 2025

Ticker	Namesorted ascending	% Portfolio	Shares Held	$ Value	Type	% Change
AAPL	apple computer inc	3.65	57,868	14,734,900	reduced	-0.51

AAXJ	ishares jpmorgan usd emerging markets bond etf	3.08	130,662	12,437,700	added	0.54

AAXJ	ishares barclays mbs bond fund etf	0.81	34,380	3,271,260	unchanged	0.00

AAXJ	ishares short-term national muni bond etf	0.16	5,929	633,099	unchanged	0.00

AAXJ	ishares iboxx $ high yield corp bond etf	0.14	7,019	569,873	unchanged	0.00

ABC	cencora, inc.	0.58	7,451	2,328,660	added	0.13

ABT	abbott labs	0.73	21,875	2,929,940	added	0.36

ACN	accenture plc	0.35	5,724	1,411,540	added	8.41

ADBE	adobe systems inc	0.36	4,065	1,433,930	reduced	-0.02

ADI	analog devices inc	0.43	7,116	1,748,400	added	1.09

AEMB	avantis international equity etf	1.00	51,058	4,028,480	added	65.38

AEMB	avantis us equity etf	0.37	13,829	1,503,210	added	20.01

AEMB	avantis emerging markets equity etf	0.19	10,143	761,841	added	68.4

AMD	advanced micro devices inc	0.64	15,985	2,586,210	reduced	-1.61

AMT	american tower reit inc	0.45	9,352	1,798,580	added	0.54

AMZN	amazon communications inc	2.18	39,998	8,782,360	reduced	-0.24

ASET	flexshares core select bond fund etf	0.06	10,565	237,660	reduced	-3.72

ASET	flexshares stoxx us esg select index etf	0.00	0.00	0.00	sold off	-100

AVGO	broadcom inc common	0.53	6,523	2,152,000	reduced	-4.24

BA	boeing co	0.34	6,331	1,366,420	added	0.24