Latest CITIZENS & NORTHERN CORP Stock Portfolio

CITIZENS & NORTHERN CORP Performance:

2025 Q4: -0.14%YTD: 10.55%2024: 3.46%

Performance for 2025 Q4 is -0.14%, and YTD is 10.55%, and 2024 is 3.46%.

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

On 2026-01-28, the fund reported it's updated stock portfolio. In the 13F Holdings report, CITIZENS & NORTHERN CORP reported an equity portfolio of $403.6 Millions as of 31 Dec, 2025.

The top stock holdings of CITIZENS & NORTHERN CORP are BNDW, FBCG, IJR. The fund has invested 11.1% of it's portfolio in VANGUARD RUSSELL 1000 GROWTH ETF and 7.2% of portfolio in FIDELITY MSCI REAL ESTATE INDEX ETF.

The fund managers got completely rid off FEDEX CORP (FDX), CDW CORPORATION (CDW) and WALMART INC. (WMT) stocks. They significantly reduced their stock positions in TRUIST FINANCIAL CORPORATION (TFC), BLACKROCK FUNDING INC and HONEYWELL INTL INC (HON). CITIZENS & NORTHERN CORP opened new stock positions in KKR & CO INC (KKR), CITIGROUP INC COMMON NEW (C) and NETFLIX INC CORP (NFLX). The fund showed a lot of confidence in some stocks as they added substantially to SERVICENOW INC (NOW), CATERPILLAR INC (CAT) and DUPONT DE NEMOURS INC (DD).

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

Our best estimate is that CITIZENS & NORTHERN CORP made a return of -0.14% in the last quarter. In trailing 12 months, it's portfolio return was 10.55%.

Performance
S&P 500

New Buys

Ticker	$ Bought
kkr & co inc	1,806,140
citigroup inc common new	1,625,490
netflix inc corp	1,465,750
emerson electric co	1,326,270
intuit	1,325,500
tapestry inc common	1,071,100
health care select sector spdr etf	411,613
ishares dow jones us med devices index	384,025

New stocks bought by CITIZENS & NORTHERN CORP

Additions

Ticker	% Inc.
servicenow inc	391
caterpillar inc	272
dupont de nemours inc	92.77
ishares iboxx $ high yield corp bond etf	54.18
boeing co	41.84
state street spdr portfolio short term treasury etf	32.72
fidelity msci real estate index etf	32.19
analog devices inc	30.52

Additions to existing portfolio by CITIZENS & NORTHERN CORP

Reductions

Ticker	% Reduced
truist financial corporation	-86.24
blackrock funding inc	-83.11
honeywell intl inc	-79.85
comcast corp class a	-75.57
halliburton co	-70.51
bath & body works	-38.49
becton, dickinson & co.	-37.31
zimmer biomet holdings, inc.	-37.11

CITIZENS & NORTHERN CORP reduced stake in above stock

Sold off

Ticker	$ Sold
ford motor co del par $0.01	-147,981
cdw corporation	-986,899
fedex corp	-1,065,390
walmart inc.	-284,446
sysco corp	-206,344
vanguard mid-cap etf	-200,037

CITIZENS & NORTHERN CORP got rid off the above stocks

Sector Distribution

CITIZENS & NORTHERN CORP has about 50.4% of it's holdings in Others sector.

Sector	%
Others	50.4
Technology	17.2
Financial Services	9.5
Communication Services	5.6
Consumer Cyclical	4.6
Industrials	4.4
Healthcare	3
Consumer Defensive	2.3
Energy	1.8

Market Cap. Distribution

CITIZENS & NORTHERN CORP has about 46.2% of it's portfolio invested in the large-cap and mega-cap stocks.

Category	%
UNALLOCATED	49.8
MEGA-CAP	28.1
LARGE-CAP	18.1
MICRO-CAP	3.5

Stocks belong to which Index?

About 49.2% of the stocks held by CITIZENS & NORTHERN CORP either belong to S&P 500 or RUSSELL 2000 index.

Index	%
Others	50.9
S&P 500	45.7
RUSSELL 2000	3.5

Top 5 Winners (%)		%
LLY	eli lilly & co	37.9 %
AMD	advanced micro devices inc	32.3 %
FCX	freeport-mcmoran, inc.	29.3 %
GOOG	alphabet inc class a	27.6 %
GOOG	alphabet inc class c	27.3 %

Top 5 Winners ($)		$
GOOG	alphabet inc class c	3.0 M
AAPL	apple computer inc	1.0 M
AMD	advanced micro devices inc	0.8 M
IJR	ishares north american natural resources etf	0.6 M
BNDW	vanguard russell 1000 growth etf	0.5 M

Top 5 Losers (%)		%
NOW	servicenow inc	-75.1 %
DD	dupont de nemours inc	-41.6 %
ORCL	oracle corp	-30.7 %
BBWI	bath & body works	-17.8 %
ETN	eaton corp	-14.8 %

Top 5 Losers ($)		$
NOW	servicenow inc	-4.2 M
ORCL	oracle corp	-1.3 M
MSFT	microsoft corp	-1.0 M
FBCG	fidelity msci real estate index etf	-0.9 M
META	meta platforms inc	-0.6 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 124 stocks in it's portfolio. About 51.5% of the portfolio is in top 10 stocks. NOW 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: 28 Jan, 2026

Ticker	Namesorted ascending	% Portfolio	Shares Held	$ Value	Type	% Change
AAPL	apple computer inc	3.59	53,237	14,473,000	reduced	-8.00

AAXJ	ishares jpmorgan usd emerging markets bond etf	3.15	132,225	12,730,600	added	1.2

AAXJ	ishares barclays mbs bond fund etf	0.83	35,349	3,365,930	added	2.82

AAXJ	ishares iboxx $ high yield corp bond etf	0.22	10,822	872,578	added	54.18

AAXJ	ishares short-term national muni bond etf	0.16	5,929	632,624	unchanged	0.00

AAXJ	ishares dow jones us med devices index	0.10	6,179	384,025	new

ABC	cencora, inc.	0.59	7,045	2,379,450	reduced	-5.45

ABT	abbott labs	0.64	20,562	2,576,210	reduced	-6.00

ACN	accenture plc	0.37	5,588	1,499,260	reduced	-2.38

ADBE	adobe systems inc	0.33	3,840	1,343,960	reduced	-5.54

ADI	analog devices inc	0.62	9,288	2,518,910	added	30.52

AEMB	avantis international equity etf	1.12	54,809	4,511,880	added	7.35

AEMB	avantis us equity etf	0.38	13,829	1,545,810	unchanged	0.00

AEMB	avantis emerging markets equity etf	0.19	10,143	781,214	unchanged	0.00

AMD	advanced micro devices inc	0.84	15,877	3,400,220	reduced	-0.68

AMT	american tower reit inc	0.39	9,061	1,590,840	reduced	-3.11

AMZN	amazon communications inc	2.16	37,712	8,704,680	reduced	-5.72

ASET	flexshares core select bond fund etf	0.06	10,418	232,997	reduced	-1.39

AVGO	broadcom inc common	0.58	6,719	2,325,450	added	3.00

BA	boeing co	0.48	8,980	1,949,740	added	41.84