CITIZENS & NORTHERN CORP

CIK

810958

Location

WELLSBORO, PA

Portfolio Value

Small $212,785,890

Diversification

Diversified

Filing Date

Global Rank

#4,317 / 8,517 ▲ 21

Top Industry

Semiconductors 15.2%

3Y Alpha vs SPY

+37.4%

Period ended 46 days ago

Filed Jul 17, 2026 · 29d

26 quarters · since Mar 2020

Clone Performance

Aug 2023–Aug 2026 · vs SPY

Hypothetical growth of buying every stock this filer reported holding, rebalancing on each filing and indexed to the same start. Option positions cannot be bought this way and are left out.

Cloned portfolio

+296.0%

SPY

+75.3%

Annualised alpha

+37.6%

Max drawdown

−18.3%

Estimate. 13F holdings are quarter-lagged, so the clone rebalances about 45 days after each period end — when the filing becomes public — and it excludes option and short positions. Returns use comparable raw closes and exclude dividends; a captured split can shorten the simulated window. It tracks 100% of reported value on average across 13 quarters. Past performance does not predict future results.

Portfolio Concentration

91 tracked positions · as of Jun 30, 2026 · Δ vs Mar 31, 2026

Top Position

7.7%

+0.7 pts

Top 5

28.3%

−0.4 pts

Top 10

43.0%

−0.9 pts

HHI

278

Diversified+6

Portfolio Trend

26 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2026

Sector	% Portfolio	Value	Positions
Technology	36.7%	$78,072,641	17
Financial Services	20.8%	$44,174,221	17
Industrials	9.0%	$19,111,949	15
Consumer Cyclical	8.7%	$18,605,103	9
Healthcare	8.4%	$17,891,575	12
Consumer Defensive	4.7%	$9,939,197	4
Communication Services	4.1%	$8,662,574	6
Energy	3.9%	$8,239,545	6
Unclassified	1.6%	$3,476,894	2
Basic Materials	0.8%	$1,694,948	1
Utilities	0.7%	$1,483,225	1
Real Estate	0.7%	$1,434,018	1

Last Quarter's Activity

Export CSV

Jun 30, 2026 vs Mar 31, 2026

Added To

Positions the filer increased

18 positions

Ticker	Company	Δ Shares	Shares	Value
KLAC	Kla Corp	+8,520	9,472	$2,857,797
NFLX	Netflix Inc	+6,450	17,453	$1,246,144
AVGO	Broadcom Inc.	+5,804	12,690	$4,793,647
BMY	Bristol Myers Squibb Co	+4,631	23,628	$1,361,445
MDT	Medtronic plc	+3,266	25,866	$2,023,497
SCHW	Schwab Charles Corp	+3,197	24,570	$2,267,073
OVV	Ovintiv Inc.	+3,062	25,711	$1,353,684
CRM	Salesforce, Inc.	+2,209	11,156	$1,747,698
BDX	Becton Dickinson & Co	+1,630	7,783	$1,177,801
PCAR	Paccar Inc	+1,608	9,187	$1,103,542
VZ	Verizon Communications Inc	+1,264	16,704	$707,247
FCX	Freeport-Mcmoran Inc	+1,196	26,951	$1,694,948
JNJ	Johnson & Johnson	+165	8,218	$2,087,125
YUM	Yum Brands Inc	+126	7,052	$1,127,332
COR	Cencora, Inc.	+105	7,156	$2,025,004
TPR	Tapestry, Inc.	+92	9,887	$1,447,259
ZBH	Zimmer Biomet Holdings, Inc.	+49	12,277	$1,056,926
INTU	Intuit Inc.	+43	2,664	$695,304
No positions match the current search.

Trimmed

Positions the filer reduced

25 positions

Ticker	Company	Δ Shares	Shares	Value
GOOGL	Alphabet Inc.	−40,148	807	$288,397
CZNC	Citizens & Northern Corp	−10,361	349,492	$8,146,658
CSCO	Cisco Systems, Inc.	−9,480	23,191	$2,724,014
T	At&T Inc.	−4,335	12,702	$262,931
AMD	Advanced Micro Devices Inc	−2,595	12,718	$7,388,013
JPM	Jpmorgan Chase & Co	−2,395	17,802	$5,827,128
ADI	Analog Devices Inc	−1,970	7,847	$3,116,592
EMR	Emerson Electric Co	−1,606	12,112	$1,733,832
AMZN	Amazon Com Inc	−1,270	37,831	$9,016,640
META	Meta Platforms, Inc.	−1,194	8,787	$4,949,629
RTX	RTX Corp	−1,076	12,701	$2,409,760
CVS	CVS HEALTH Corp	−973	26,315	$2,722,286
NVDA	Nvidia Corp	−895	81,995	$16,406,379
GSK	GSK plc	−860	39,176	$2,053,605
PYPL	PayPal Holdings, Inc.	−764	27,154	$1,172,509
ITW	Illinois Tool Works Inc	−716	1,198	$324,023
CAT	Caterpillar Inc	−641	3,846	$4,095,605
NKE	NIKE, Inc.	−597	16,461	$675,724
ETN	Eaton Corp plc	−581	5,356	$2,282,298
PFE	Pfizer Inc	−544	47,939	$1,154,371
KO	Coca Cola Co	−541	22,806	$1,853,443
MSFT	Microsoft Corp	−525	29,135	$10,867,937
NSC	Norfolk Southern Corp	−477	793	$249,469
MDLZ	Mondelez International, Inc.	−457	23,556	$1,362,479
DIS	Walt Disney Co	−353	12,553	$1,208,226
No positions match the current search.

New Positions

Positions the filer opened this quarter

8 positions

Ticker	Company	Shares	Value
WFC	Wells Fargo & Company/Mn	51,763	$4,277,694
GS	Goldman Sachs Group Inc	1,185	$1,198,473
CRS	Carpenter Technology Corp	382	$235,632
PGR	Progressive Corp/Oh/	1,009	$220,416
GWW	W.W. Grainger, Inc.	157	$213,582
TXN	Texas Instruments Inc	713	$212,523
BOKF	Bok Financial Corp	1,520	$211,097
CBU	Community Financial System, Inc.	3,083	$206,930
No positions match the current search.

Sold Out

Positions the filer fully exited

10 positions

Ticker	Company	Shares	Value
BNDX	Vanguard Total International Bond ETF	25,151	$1,208,505
MRSH	Marsh & Mclennan Companies, Inc.	6,340	$1,099,673
VIG	Vanguard Dividend Appreciation ETF	2,866	$616,361
ROP	Roper Technologies Inc	1,115	$394,553
ABT	Abbott Laboratories	3,376	$346,613
CMCSA	Comcast Corp	10,554	$303,005
EOG	Eog Resources Inc	1,775	$256,611
HON	Honeywell International Inc	1,103	$249,311
HAL	Halliburton Co	6,182	$241,036
WAT	Waters Corp /De/	756	$225,136
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

91 tracked positions · $212,785,890 total · as of Jun 30, 2026

All sectors Basic Materials Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Healthcare Industrials Real Estate Technology Utilities

Showing 1–50 of 91 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
NVDA	Nvidia Corp Technology	Reduced	81,995	-895	$16,406,379	+13.5%	7.71%
AAPL	Apple Inc. Technology	Reduced	53,521	-93	$15,486,836	+13.8%	7.28%
MSFT	Microsoft Corp Technology	Reduced	29,135	-525	$10,867,937	−1.0%	5.11%
AMZN	Amazon Com Inc Consumer Cyclical	Reduced	37,831	-1,270	$9,016,640	+10.7%	4.24%
CZFS	Citizens Financial Services Inc Financial Services	Held	117,063	0	$8,480,043	+18.5%	3.99%
CZNC	Citizens & Northern Corp Financial Services	Reduced	349,492	-10,361	$8,146,658	+1.3%	3.83%
AMD	Advanced Micro Devices Inc Technology	Reduced	12,718	-2,595	$7,388,013	+137.2%	3.47%
JPM	Jpmorgan Chase & Co Financial Services	Reduced	17,802	-2,395	$5,827,128	−1.9%	2.74%
GLW	Corning Inc /Ny Technology	Held	19,658	0	$5,021,242	+87.9%	2.36%
META	Meta Platforms, Inc. Communication Services	Reduced	8,787	-1,194	$4,949,629	−13.3%	2.33%
AVGO	Broadcom Inc. Technology	Added	12,690	+5,804	$4,793,647	+124.9%	2.25%
WFC	Wells Fargo & Company/Mn Financial Services	NEW	51,763	NEW	$4,277,694	NEW	2.01%
CAT	Caterpillar Inc Industrials	Reduced	3,846	-641	$4,095,605	+28.8%	1.92%
MA	Mastercard Inc Financial Services	Reduced	7,840	-349	$4,026,624	−1.6%	1.89%
COST	Costco Wholesale Corp /New Consumer Defensive	Reduced	4,291	-11	$4,014,101	−6.4%	1.89%
XOM	ExxonMobil Holdings Corp Energy	Reduced	25,824	-279	$3,530,657	−20.3%	1.66%
ADI	Analog Devices Inc Technology	Reduced	7,847	-1,970	$3,116,592	−0.2%	1.46%
KLAC	Kla Corp Technology	Added	9,472	+8,520	$2,857,797	+103.9%	1.34%
CSCO	Cisco Systems, Inc. Technology	Reduced	23,191	-9,480	$2,724,014	+7.5%	1.28%
CVS	CVS HEALTH Corp Healthcare	Reduced	26,315	-973	$2,722,286	+38.9%	1.28%
PG	PROCTER & GAMBLE Co Consumer Defensive	Reduced	18,475	-232	$2,709,174	+0.3%	1.27%
TJX	Tjx Companies Inc /De/ Consumer Cyclical	Reduced	16,787	-175	$2,543,230	−6.1%	1.20%
PANW	Palo Alto Networks Inc Technology	Reduced	7,266	-229	$2,477,851	+106.2%	1.16%
RTX	RTX Corp Industrials	Reduced	12,701	-1,076	$2,409,760	−9.3%	1.13%
C	Citigroup Inc Financial Services	Reduced	16,391	-235	$2,294,084	+21.7%	1.08%
ETN	Eaton Corp plc Industrials	Reduced	5,356	-581	$2,282,298	+7.5%	1.07%
SCHW	Schwab Charles Corp Financial Services	Added	24,570	+3,197	$2,267,073	+12.9%	1.07%
SPY	Spdr S&P 500 ETF Trust	Held	2,877	0	$2,148,457	+14.8%	1.01%
JNJ	Johnson & Johnson Healthcare	Added	8,218	+165	$2,087,125	+6.0%	0.98%
ORCL	Oracle Corp Technology	Reduced	14,024	-347	$2,055,217	−2.8%	0.97%
GSK	GSK plc Healthcare	Reduced	39,176	-860	$2,053,605	−7.1%	0.97%
COR	Cencora, Inc. Healthcare	Added	7,156	+105	$2,025,004	−8.6%	0.95%
MDT	Medtronic plc Healthcare	Added	25,866	+3,266	$2,023,497	+3.3%	0.95%
HD	Home Depot, Inc. Consumer Cyclical	Reduced	5,627	-152	$1,984,530	+4.4%	0.93%
BA	Boeing Co Industrials	Reduced	9,062	-190	$1,961,651	+6.5%	0.92%
KO	Coca Cola Co Consumer Defensive	Reduced	22,806	-541	$1,853,443	+4.4%	0.87%
GD	General Dynamics Corp Industrials	Reduced	5,113	-159	$1,811,229	+0.1%	0.85%
BX	Blackstone Inc. Financial Services	Reduced	15,154	-223	$1,783,171	+0.8%	0.84%
CRM	Salesforce, Inc. Technology	Added	11,156	+2,209	$1,747,698	+4.6%	0.82%
EMR	Emerson Electric Co Industrials	Reduced	12,112	-1,606	$1,733,832	−3.5%	0.81%
FCX	Freeport-Mcmoran Inc Basic Materials	Added	26,951	+1,196	$1,694,948	+12.0%	0.80%
SLB	Slb Limited/Nv Energy	Reduced	34,757	-234	$1,615,852	−10.1%	0.76%
BIIB	Biogen Inc. Healthcare	Reduced	6,943	-194	$1,500,104	+14.6%	0.70%
KKR	KKR & Co. Inc. Financial Services	Reduced	16,253	-112	$1,491,700	−1.5%	0.70%
NEE	Nextera Energy Inc Utilities	Reduced	16,899	-332	$1,483,225	−7.3%	0.70%
TPR	Tapestry, Inc. Consumer Cyclical	Added	9,887	+92	$1,447,259	+4.7%	0.68%
AMT	American Tower Corp /Ma/ Real Estate	Reduced	8,767	-6	$1,434,018	−5.3%	0.67%
UNP	Union Pacific Corp Industrials	Held	5,049	0	$1,373,328	+12.1%	0.65%
MDLZ	Mondelez International, Inc. Consumer Defensive	Reduced	23,556	-457	$1,362,479	−1.6%	0.64%
BMY	Bristol Myers Squibb Co Healthcare	Added	23,628	+4,631	$1,361,445	+18.2%	0.64%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.