Latest CITIZENS & NORTHERN CORP Stock Portfolio

CITIZENS & NORTHERN CORP Performance:

2025 Q2: 4.79%YTD: 1.94%2024: 6.17%

Performance for 2025 Q2 is 4.79%, and YTD is 1.94%, and 2024 is 6.17%.

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 $373.7 Millions as of 30 Jun, 2025.

The top stock holdings of CITIZENS & NORTHERN CORP are BNDW, FBCG, IJR. The fund has invested 11.7% of it's portfolio in VANGUARD RUSSELL 1000 GROWTH ETF and 5.9% of portfolio in FIDELITY MSCI REAL ESTATE INDEX ETF.

The fund managers got completely rid off MASCO CORP (MAS), MICROCHIP TECHNOLOGY INC (MCHP) and VISA INC CLASS A (V) stocks. They significantly reduced their stock positions in W W GRAINGER INC (GWW), PALO ALTO NETWORKS INC COMMON (PANW) and MCDONALDS CORP (MCD). CITIZENS & NORTHERN CORP opened new stock positions in RTX CORPORATION (RTX), CARRIER GLOBAL CORP (CARR) and SPDR PORTFOLIO SHORT TERM TREASURY ETF (BIL). The fund showed a lot of confidence in some stocks as they added substantially to BROADCOM INC COMMON (AVGO), JOHNSON & JOHNSON (JNJ) and ADVANCED MICRO DEVICES INC (AMD).

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

Our best estimate is that CITIZENS & NORTHERN CORP made a return of 4.79% in the last quarter. In trailing 12 months, it's portfolio return was 5.23%.

New Buys

Ticker	$ Bought
rtx corporation	1,662,150
carrier global corp	1,467,900
spdr portfolio short term treasury etf	554,313
flexshares core select bond fund etf	244,317
rockwell automation inc common	221,225
flexshares stoxx us esg select index etf	213,779

New stocks bought by CITIZENS & NORTHERN CORP

Additions

Ticker	% Inc.
broadcom inc common	439
johnson & johnson	230
advanced micro devices inc	73.25
biogen idec inc	49.12
m & t bank corp	39.76
paypal holdings, inc.	35.59
pfizer inc	34.96
becton, dickinson & co.	31.7

Additions to existing portfolio by CITIZENS & NORTHERN CORP

Reductions

Ticker	% Reduced
w w grainger inc	-82.5
palo alto networks inc common	-33.93
mcdonalds corp	-32.37
analog devices inc	-29.4
walmart inc.	-29.01
intercontinental exchange inc common	-21.91
spdr portfolio s&p 400 mid cap etf	-20.26
marsh & mclennan cos inc	-19.54

CITIZENS & NORTHERN CORP reduced stake in above stock

Sold off

Ticker	$ Sold
masco corp	-1,472,930
microchip technology inc	-735,784
astrazeneca plc adr	-213,224
vanguard reit index etf	-201,542
visa inc class a	-271,607
vanguard world mega cap 300 growth etf	-200,772

CITIZENS & NORTHERN CORP got rid off the above stocks

Sector Distribution

CITIZENS & NORTHERN CORP has about 48.6% of it's holdings in Others sector.

Sector	%
Others	48.6
Technology	17.6
Financial Services	9.8
Consumer Cyclical	5.3
Communication Services	4.6
Industrials	4.5
Healthcare	3.2
Consumer Defensive	3.1
Energy	2

Market Cap. Distribution

CITIZENS & NORTHERN CORP has about 48.1% of it's portfolio invested in the large-cap and mega-cap stocks.

Category	%
UNALLOCATED	48
MEGA-CAP	28.6
LARGE-CAP	19.5
MICRO-CAP	3.5

Stocks belong to which Index?

About 51.7% of the stocks held by CITIZENS & NORTHERN CORP either belong to S&P 500 or RUSSELL 2000 index.

Index	%
Others	48.3
S&P 500	48.2
RUSSELL 2000	3.5

Top 5 Winners (%)		%
ORCL	oracle corp	54.9 %
NVDA	nvidia corp	44.0 %
AMD	advanced micro devices inc	33.9 %
MSFT	microsoft corp	32.3 %
ETN	eaton corp	31.3 %

Top 5 Winners ($)		$
NVDA	nvidia corp	4.5 M
MSFT	microsoft corp	3.9 M
META	meta platforms inc	1.4 M
AMZN	amazon communications inc	1.2 M
ORCL	oracle corp	1.1 M

Top 5 Losers (%)		%
BMY	bristol myers squibb co	-23.9 %
BDX	becton, dickinson & co.	-20.1 %
HAL	halliburton co	-19.6 %
ZBH	zimmer biomet holdings, inc.	-19.1 %
SLB	schlumberger ltd	-19.1 %

Top 5 Losers ($)		$
AAPL	apple computer inc	-1.0 M
IJR	ishares north american natural resources etf	-0.6 M
CZNC	citizens & northern corp	-0.4 M
XOM	exxon mobil corp	-0.3 M
SLB	schlumberger ltd	-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 118 stocks in it's portfolio. About 51.2% of the portfolio is in top 10 stocks. AAPL proved to be the most loss making stock for the portfolio. NVDA was the most profitable stock for CITIZENS & NORTHERN CORP last quarter.

Last Reported on: 30 Jul, 2025

	Ticker	Namesorted descending	% Portfolio	Shares Held	$ Value	Type	% Change
	BNDW	vanguard russell 1000 growth etf	11.66	398,999	43,570,700	reduced	-4.69
Historical Trend of VANGUARD RUSSELL 1000 GROWTH ETF Position Held By CITIZENS & NORTHERN CORP What % of Portfolio is BNDW?: Number of BNDW shares held: Change in No. of Shares Held:
	FBCG	fidelity msci real estate index etf	5.93	820,011	22,173,100	added	3.75

	IJR	ishares north american natural resources etf	5.86	495,124	21,909,200	reduced	-0.89

	EMGF	ishares core msci emerging mkts etf	5.74	357,392	21,454,200	reduced	-3.73

	IJR	ishares s&p midcap 400 index fd	4.29	258,700	16,044,600	reduced	-10.99

	MSFT	microsoft corp	4.18	31,425	15,631,100	reduced	-1.55

	NVDA	nvidia corp	3.72	88,057	13,912,100	reduced	-7.25

	BIL	spdr portfolio s&p 400 mid cap etf	3.38	232,206	12,627,400	reduced	-20.26

	AAXJ	ishares jpmorgan usd emerging markets bond etf	3.22	129,961	12,037,000	added	1.86

	AAPL	apple computer inc	3.19	58,164	11,933,500	reduced	-1.97

	AMZN	amazon communications inc	2.35	40,094	8,796,220	reduced	-1.99

	GOOG	alphabet inc class c	2.13	44,781	7,943,700	added	3.1

	JPM	jpmorgan chase & co	1.93	24,901	7,219,050	reduced	-4.38

	CZFS	citizens financial services inc	1.84	117,081	6,875,010	added	1.00

	META	meta platforms inc	1.70	8,621	6,363,070	reduced	-4.41

	CZNC	citizens & northern corp	1.64	323,151	6,120,480	reduced	-3.44

	DFAC	dimensional u.s. core equity 2 etf	1.55	161,211	5,777,800	reduced	-0.43

	MA	mastercard inc class a	1.23	8,168	4,589,930	reduced	-0.77

	COST	costco wholesale corp (new)	1.21	4,581	4,534,920	reduced	-17.33

	AAXJ	ishares barclays mbs bond fund etf	0.86	34,380	3,227,940	added	3.27