CITIZENS & NORTHERN CORP

CIK

810958

Location

WELLSBORO, PA

Portfolio Value

Small $191,778,044

Diversification

Diversified

Filing Date

Global Rank

#3,955 / 8,232 ▲ 188

Top Industry

Semiconductors 12.1%

3Y Alpha vs SPY

-7.5%

Period ended 2 months ago

Filed Apr 27, 2026 · 47d

25 quarters · since Mar 2020

Clone Performance

Jun 2023–Jun 2026 · vs SPY

Hypothetical growth of cloning every reported 13F position and rebalancing on each filing, indexed to the same start.

Cloned portfolio

+45.8%

SPY

+76.5%

Annualised alpha

-7.5%

Max drawdown

−18.1%

Estimate. 13F holdings are quarter-lagged and long-only, so the clone rebalances about 45 days after each period end — when the filing becomes public — and excludes options and short positions. Past performance does not predict future results.

Portfolio Concentration

91 positions · as of Mar 31, 2026 · Δ vs Dec 31, 2025

Top Position

7.5%

−0.3 pts

Top 5

28.8%

−1.5 pts

Top 10

43.1%

−1.1 pts

HHI

274

Diversified−16

Portfolio Trend

25 quarters · across all stocks

Sector Breakdown

As of Mar 31, 2026

Sector	% Portfolio	Value	Positions
Technology	33.0%	$63,321,712	17
Financial Services	19.6%	$37,502,878	13
Consumer Cyclical	9.4%	$17,948,283	9
Industrials	9.2%	$17,679,643	14
Healthcare	9.1%	$17,439,571	14
Energy	5.3%	$10,244,070	8
Consumer Defensive	5.3%	$10,148,328	4
Communication Services	5.1%	$9,816,302	7
Unclassified	1.6%	$3,048,920	2
Utilities	0.8%	$1,600,415	1
Real Estate	0.8%	$1,514,044	1
Basic Materials	0.8%	$1,513,878	1

Last Quarter's Activity

Export CSV

Mar 31, 2026 vs Dec 31, 2025

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
BBWI	Bath & Body Works, Inc.	+11,470	33,341	$622,476
FCX	Freeport-Mcmoran Inc	+7,756	25,755	$1,513,878
ZBH	Zimmer Biomet Holdings, Inc.	+4,148	12,228	$1,105,655
EMR	Emerson Electric Co	+3,725	13,718	$1,797,332
C	Citigroup Inc	+2,696	16,626	$1,885,554
KKR	KKR & Co. Inc.	+2,197	16,365	$1,513,762
BDX	Becton Dickinson & Co	+1,918	6,153	$967,436
ETN	Eaton Corp plc	+1,430	5,937	$2,123,486
TPR	Tapestry, Inc.	+1,412	9,795	$1,382,172
AMZN	Amazon Com Inc	+1,389	39,101	$8,143,565
MSFT	Microsoft Corp	+1,351	29,660	$10,979,242
META	Meta Platforms, Inc.	+1,201	9,981	$5,710,429
NVDA	Nvidia Corp	+1,010	82,890	$14,456,016
INTU	Intuit Inc.	+620	2,621	$1,133,267
PYPL	PayPal Holdings, Inc.	+567	27,918	$1,262,731
ADI	Analog Devices Inc	+529	9,817	$3,123,180
PFE	Pfizer Inc	+506	48,483	$1,361,402
CRM	Salesforce, Inc.	+480	8,947	$1,670,136
CVS	CVS HEALTH Corp	+460	27,288	$1,959,824
GSK	GSK plc	+441	40,036	$2,209,586
AAPL	Apple Inc.	+377	53,614	$13,606,697
MA	Mastercard Inc	+312	8,189	$4,091,715
CAT	Caterpillar Inc	+273	4,487	$3,178,860
BA	Boeing Co	+272	9,252	$1,841,425
BIIB	Biogen Inc.	+225	7,137	$1,308,426
No positions match the current search.

Trimmed

Positions the filer reduced

25 positions

Ticker	Company	Δ Shares	Shares	Value
ABT	Abbott Laboratories	−17,186	3,376	$346,613
EOG	Eog Resources Inc	−8,951	1,775	$256,611
NSC	Norfolk Southern Corp	−5,566	1,270	$364,490
NFLX	Netflix Inc	−4,630	11,003	$1,057,938
GLW	Corning Inc /Ny	−2,076	19,658	$2,672,898
HAL	Halliburton Co	−2,040	6,182	$241,036
CZNC	Citizens & Northern Corp	−1,559	359,853	$8,039,116
HON	Honeywell International Inc	−753	1,103	$249,311
AMD	Advanced Micro Devices Inc	−564	15,313	$3,115,123
CMCSA	Comcast Corp	−476	10,554	$303,005
AMT	American Tower Corp /Ma/	−288	8,773	$1,514,044
XOM	Exxon Mobil Corp	−235	26,103	$4,428,634
MDLZ	Mondelez International, Inc.	−191	24,013	$1,384,109
MRSH	Marsh & Mclennan Companies, Inc.	−169	6,340	$1,099,673
CVX	Chevron Corp	−163	7,553	$1,562,715
ICE	Intercontinental Exchange, Inc.	−143	8,181	$1,286,707
JNJ	Johnson & Johnson	−143	8,053	$1,968,475
GD	General Dynamics Corp	−136	5,272	$1,809,455
ORCL	Oracle Corp	−133	14,371	$2,114,117
NEE	Nextera Energy Inc	−109	17,231	$1,600,415
GOOGL	Alphabet Inc.	−83	807	$232,060
COST	Costco Wholesale Corp /New	−71	4,302	$4,286,641
CSCO	Cisco Systems, Inc.	−64	32,671	$2,534,942
BMY	Bristol Myers Squibb Co	−54	18,997	$1,152,168
IBM	International Business Machines Corp	−49	2,783	$674,571
No positions match the current search.

New Positions

Positions the filer opened this quarter

7 positions

Ticker	Company	Shares	Value
MDT	Medtronic plc	22,600	$1,958,290
KLAC	Kla Corp	952	$1,401,734
OVV	Ovintiv Inc.	22,649	$1,344,444
YUM	Yum Brands Inc	6,926	$1,076,854
PCAR	Paccar Inc	7,579	$875,374
IMO	Imperial Oil Ltd	1,800	$235,476
WAT	Waters Corp /De/	756	$225,136
No positions match the current search.

Sold Out

Positions the filer fully exited

8 positions

Ticker	Company	Shares	Value
CMG	Chipotle Mexican Grill Inc	38,035	$1,407,295
NOW	ServiceNow, Inc.	9,127	$1,398,165
CARR	CARRIER GLOBAL Corp	19,638	$1,037,671
DD	DuPont de Nemours, Inc.	22,119	$889,183
GWW	W.W. Grainger, Inc.	245	$247,217
BLK	BlackRock, Inc.	222	$237,615
TFC	Truist Financial Corp	4,727	$232,615
PGR	Progressive Corp/Oh/	925	$210,641
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

91 positions · $191,778,044 total · as of Mar 31, 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	Added	82,890	+1,010	$14,456,016	−5.3%	7.54%
AAPL	Apple Inc. Technology	Added	53,614	+377	$13,606,697	−6.0%	7.10%
MSFT	Microsoft Corp Technology	Added	29,660	+1,351	$10,979,242	−19.8%	5.72%
AMZN	Amazon Com Inc Consumer Cyclical	Added	39,101	+1,389	$8,143,565	−6.4%	4.25%
CZNC	Citizens & Northern Corp Financial Services	Reduced	359,853	-1,559	$8,039,116	+10.3%	4.19%
CZFS	Citizens Financial Services Inc Financial Services	Held	117,063	0	$7,158,402	+7.2%	3.73%
JPM	Jpmorgan Chase & Co Financial Services	Added	20,197	+106	$5,941,149	−8.2%	3.10%
META	Meta Platforms, Inc. Communication Services	Added	9,981	+1,201	$5,710,429	−1.5%	2.98%
XOM	Exxon Mobil Corp Energy	Reduced	26,103	-235	$4,428,634	+39.7%	2.31%
COST	Costco Wholesale Corp /New Consumer Defensive	Reduced	4,302	-71	$4,286,641	+13.7%	2.24%
MA	Mastercard Inc Financial Services	Added	8,189	+312	$4,091,715	−9.0%	2.13%
CAT	Caterpillar Inc Industrials	Added	4,487	+273	$3,178,860	+31.7%	1.66%
ADI	Analog Devices Inc Technology	Added	9,817	+529	$3,123,180	+24.0%	1.63%
AMD	Advanced Micro Devices Inc Technology	Reduced	15,313	-564	$3,115,123	−8.4%	1.62%
TJX	Tjx Companies Inc /De/ Consumer Cyclical	Added	16,962	+106	$2,708,831	+4.6%	1.41%
PG	PROCTER & GAMBLE Co Consumer Defensive	Added	18,707	+141	$2,702,039	+1.6%	1.41%
GLW	Corning Inc /Ny Technology	Reduced	19,658	-2,076	$2,672,898	+40.5%	1.39%
RTX	RTX Corp Industrials	Added	13,777	+3	$2,657,583	+5.2%	1.39%
CSCO	Cisco Systems, Inc. Technology	Reduced	32,671	-64	$2,534,942	+0.5%	1.32%
COR	Cencora, Inc. Healthcare	Added	7,051	+6	$2,215,001	−6.9%	1.15%
GSK	GSK plc Healthcare	Added	40,036	+441	$2,209,586	+13.8%	1.15%
AVGO	Broadcom Inc. Technology	Added	6,886	+167	$2,131,285	−8.3%	1.11%
ETN	Eaton Corp plc Industrials	Added	5,937	+1,430	$2,123,486	+47.9%	1.11%
ORCL	Oracle Corp Technology	Reduced	14,371	-133	$2,114,117	−25.2%	1.10%
SCHW	Schwab Charles Corp Financial Services	Added	21,373	+102	$2,008,634	−5.5%	1.05%
JNJ	Johnson & Johnson Healthcare	Reduced	8,053	-143	$1,968,475	+16.1%	1.03%
CVS	CVS HEALTH Corp Healthcare	Added	27,288	+460	$1,959,824	−7.9%	1.02%
MDT	Medtronic plc Healthcare	NEW	22,600	NEW	$1,958,290	NEW	1.02%
HD	Home Depot, Inc. Consumer Cyclical	Added	5,779	+178	$1,900,655	−1.4%	0.99%
C	Citigroup Inc Financial Services	Added	16,626	+2,696	$1,885,554	+16.0%	0.98%
SPY	Spdr S&P 500 ETF Trust	Held	2,877	0	$1,871,028	−4.6%	0.98%
BA	Boeing Co Industrials	Added	9,252	+272	$1,841,425	−5.6%	0.96%
GD	General Dynamics Corp Industrials	Reduced	5,272	-136	$1,809,455	−0.6%	0.94%
SLB	Slb Limited/Nv Energy	Added	34,991	+172	$1,798,187	+34.6%	0.94%
EMR	Emerson Electric Co Industrials	Added	13,718	+3,725	$1,797,332	+35.5%	0.94%
KO	Coca Cola Co Consumer Defensive	Reduced	23,347	-46	$1,775,539	+8.6%	0.93%
BX	Blackstone Inc. Financial Services	Added	15,377	+97	$1,768,201	−24.9%	0.92%
CRM	Salesforce, Inc. Technology	Added	8,947	+480	$1,670,136	−25.5%	0.87%
NEE	Nextera Energy Inc Utilities	Reduced	17,231	-109	$1,600,415	+15.0%	0.83%
CVX	Chevron Corp Energy	Reduced	7,553	-163	$1,562,715	+32.9%	0.81%
AMT	American Tower Corp /Ma/ Real Estate	Reduced	8,773	-288	$1,514,044	−4.8%	0.79%
FCX	Freeport-Mcmoran Inc Basic Materials	Added	25,755	+7,756	$1,513,878	+65.6%	0.79%
KKR	KKR & Co. Inc. Financial Services	Added	16,365	+2,197	$1,513,762	−16.2%	0.79%
KLAC	Kla Corp Technology	NEW	952	NEW	$1,401,734	NEW	0.73%
MDLZ	Mondelez International, Inc. Consumer Defensive	Reduced	24,013	-191	$1,384,109	+6.2%	0.72%
TPR	Tapestry, Inc. Consumer Cyclical	Added	9,795	+1,412	$1,382,172	+29.0%	0.72%
PFE	Pfizer Inc Healthcare	Added	48,483	+506	$1,361,402	+14.0%	0.71%
OVV	Ovintiv Inc. Energy	NEW	22,649	NEW	$1,344,444	NEW	0.70%
BIIB	Biogen Inc. Healthcare	Added	7,137	+225	$1,308,426	+7.6%	0.68%
ICE	Intercontinental Exchange, Inc. Financial Services	Reduced	8,181	-143	$1,286,707	−4.6%	0.67%