CITIZENS & NORTHERN CORP

Bank

CIK

810958

Location

WELLSBORO, PA

Portfolio Value

Small $437,695,882

Diversification

Diversified

Reports for

Citizens & Northern Bank

Filing Date

Global Rank

#4,047 / 8,811 ▲ 292

Top Industry

Semiconductors 14.3%

Period ended 4 months ago

Filed Jul 17, 2026 · 3mo

26 quarters · since Mar 2020

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Bank

SEC filer profile, Oct 18, 2026

SIC code

6022

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, never from the firm's own description.

Style

Concentrated

The top 10 positions are 61.0% of the book (60%+)

Turnover

Low turnover

17.7% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 19.5 quarters (12+), a floor since 50.8% of the book was already held when coverage starts

Closest benchmark: the S&P 500 as of 2026-06-30, active share 64.2%; sector active share 39.6% against the combined 13F book's sector weights.

Over time 26 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

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Portfolio Concentration

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

Top Position

19.9%

+6.4 pts

Top 5

47.1%

+10.1 pts

Top 10

61.0%

+8.1 pts

HHI

719

Diversified+284

Portfolio Trend

26 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	49.0%	$214,446,605	27
Technology	17.8%	$78,072,641	17
Financial Services	10.1%	$44,174,221	17
Communication Services	5.2%	$22,602,855	7
Industrials	4.4%	$19,111,949	15
Consumer Cyclical	4.3%	$18,605,103	9
Healthcare	4.1%	$17,891,575	12
Consumer Defensive	2.3%	$9,939,197	4
Energy	1.9%	$8,239,545	6
Basic Materials	0.4%	$1,694,948	1
Utilities	0.3%	$1,483,225	1
Real Estate	0.3%	$1,434,018	1

Last Quarter's Activity

Export CSV

Jun 30, 2026 vs Mar 31, 2026

Added To

Positions the filer increased

21 positions

Ticker	Company	Δ Shares	Shares	Value
VONG	VANGUARD RUSSELL 1000 GROWTH INDEX FUND	+77,534	462,175	$59,070,586
KLAC	Kla Corp	+8,520	9,472	$2,857,797
IEMG	iShares Trust	+7,387	340,138	$28,177,031
NFLX	Netflix Inc	+6,450	17,453	$1,246,144
AVGO	Broadcom Inc.	+5,804	12,690	$4,793,647
IWF	iShares Russell 1000 Growth ETF	+5,606	7,638	$948,410
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
FREL	Fidelity MSCI Real Estate Index ETF	−166,299	953,634	$27,941,476
IGE	iShares North American Natural Resources ETF	−41,851	427,918	$24,040,433
IJH	iShares Core S&P Mid-Cap ETF	−30,749	217,637	$16,781,989
SPMD	State Street(R) SPDR(R) Portfolio S&P 400(TM) Mid Cap ETF	−30,328	208,139	$14,061,870
CZNC	Citizens & Northern Corp	−10,361	349,492	$8,146,658
CSCO	Cisco Systems, Inc.	−9,480	23,191	$2,724,014
MBB	iShares MBS ETF	−5,537	31,118	$2,941,273
T	At&T Inc.	−4,335	12,702	$262,931
SPTL	State Street(R) SPDR(R) Portfolio Long Term Treasury ETF	−3,786	29,228	$766,650
EMB	iShares J.P. Morgan USD Emerging Markets Bond ETF	−2,994	132,935	$12,820,251
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
—		−1,620	26,339	$764,094
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
GOOG	Alphabet Inc.	−694	39,454	$13,940,281
CAT	Caterpillar Inc	−641	3,846	$4,095,605
No positions match the current search.

New Positions

Positions the filer opened this quarter

9 positions

Ticker	Company	Shares	Value
WFC	Wells Fargo & Company	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	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
VO	VANGUARD MID-CAP INDEX FUND	2,528	$203,680
No positions match the current search.

Sold Out

Positions the filer fully exited

11 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
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	756	$225,136
HYG	iShares iBoxx $ High Yield Corporate Bond ETF	10,976	$0
TIP	iShares TIPS Bond ETF	5,540	$0
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

117 tracked positions · $437,695,882 total · filing declares 117 positions · $437,695,942 · 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 117 positions by value · page 1 of 3

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	Held (qtrs)	Est. cost/share	% of Portfolio
VONG	VANGUARD RUSSELL 1000 GROWTH INDEX FUND	Added	462,175	+77,534	$59,070,586	+40.0%	26+	before history	13.50%
IEMG	iShares Trust	Added	340,138	+7,387	$28,177,031	—	7	unpriced	6.44%
FREL	Fidelity MSCI Real Estate Index ETF	Reduced	953,634	-166,299	$27,941,476	−7.3%	25	$25.21	6.38%
IGE	iShares North American Natural Resources ETF	Reduced	427,918	-41,851	$24,040,433	—	7	unpriced	5.49%
IJH	iShares Core S&P Mid-Cap ETF	Reduced	217,637	-30,749	$16,781,989	—	26+	before history	3.83%
NVDA	Nvidia Corp Technology	Reduced	81,995	-895	$16,406,379	+13.5%	26+	before history	3.75%
AAPL	Apple Inc. Technology	Reduced	53,521	-93	$15,486,836	+13.8%	26+	before history	3.54%
SPMD	State Street(R) SPDR(R) Portfolio S&P 400(TM) Mid Cap ETF	Reduced	208,139	-30,328	$14,061,870	−0.4%	15	unpriced	3.21%
GOOG	Alphabet Inc. Communication Services	Reduced	39,454	-694	$13,940,281	+21.0%	26+	before history	3.18%
EMB	iShares J.P. Morgan USD Emerging Markets Bond ETF	Reduced	132,935	-2,994	$12,820,251	—	24	unpriced	2.93%
MSFT	Microsoft Corp Technology	Reduced	29,135	-525	$10,867,937	−1.0%	26+	before history	2.48%
DFAC	Dimensional U.S. Core Equity 2 ETF	Held	238,023	0	$10,558,700	+14.2%	11	$30.80	2.41%
AMZN	Amazon Com Inc Consumer Cyclical	Reduced	37,831	-1,270	$9,016,640	+10.7%	26+	before history	2.06%
CZFS	Citizens Financial Services Inc Financial Services	Held	117,063	0	$8,480,043	+18.5%	17	unpriced	1.94%
CZNC	Citizens & Northern Corp Financial Services	Reduced	349,492	-10,361	$8,146,658	+1.3%	26+	before history	1.86%
AMD	Advanced Micro Devices Inc Technology	Reduced	12,718	-2,595	$7,388,013	+137.2%	8	$123.39	1.69%
JPM	Jpmorgan Chase & Co Financial Services	Reduced	17,802	-2,395	$5,827,128	−1.9%	26+	before history	1.33%
GLW	Corning Inc Technology	Held	19,658	0	$5,021,242	+87.9%	26+	before history	1.15%
META	Meta Platforms, Inc. Communication Services	Reduced	8,787	-1,194	$4,949,629	−13.3%	26+	before history	1.13%
AVDE	Avantis International Equity ETF	Held	54,809	0	$4,888,962	+5.1%	11	$65.44	1.12%
AVGO	Broadcom Inc. Technology	Added	12,690	+5,804	$4,793,647	+124.9%	7	$301.92	1.10%
WFC	Wells Fargo & Company Financial Services	NEW	51,763	NEW	$4,277,694	NEW	1	$80.36	0.98%
CAT	Caterpillar Inc Industrials	Reduced	3,846	-641	$4,095,605	+28.8%	15	$488.02	0.94%
MA	Mastercard Inc Financial Services	Reduced	7,840	-349	$4,026,624	−1.6%	26+	before history	0.92%
COST	Costco Wholesale Corp Consumer Defensive	Reduced	4,291	-11	$4,014,101	−6.4%	26+	before history	0.92%
XOM	ExxonMobil Holdings Corp Energy	Reduced	25,824	-279	$3,530,657	−20.3%	26+	before history	0.81%
ADI	Analog Devices Inc Technology	Reduced	7,847	-1,970	$3,116,592	−0.2%	24	$175.72	0.71%
MBB	iShares MBS ETF	Reduced	31,118	-5,537	$2,941,273	—	22	unpriced	0.67%
KLAC	Kla Corp Technology	Added	9,472	+8,520	$2,857,797	+103.9%	2	$146.30	0.65%
CSCO	Cisco Systems, Inc. Technology	Reduced	23,191	-9,480	$2,724,014	+7.5%	19	$53.08	0.62%
CVS	CVS HEALTH Corp Healthcare	Reduced	26,315	-973	$2,722,286	+38.9%	26+	before history	0.62%
PG	PROCTER & GAMBLE Co Consumer Defensive	Reduced	18,475	-232	$2,709,174	+0.3%	26+	before history	0.62%
TJX	Tjx Companies Inc Consumer Cyclical	Reduced	16,787	-175	$2,543,230	−6.1%	26+	before history	0.58%
PANW	Palo Alto Networks Inc Technology	Reduced	7,266	-229	$2,477,851	+106.2%	24	unpriced	0.57%
RTX	RTX Corp Industrials	Reduced	12,701	-1,076	$2,409,760	−9.3%	5	$140.61	0.55%
C	Citigroup Inc Financial Services	Reduced	16,391	-235	$2,294,084	+21.7%	3	$105.47	0.52%
ETN	Eaton Corp plc Industrials	Reduced	5,356	-581	$2,282,298	+7.5%	8	$342.79	0.52%
SCHW	Schwab Charles Corp Financial Services	Added	24,570	+3,197	$2,267,073	+12.9%	14	$73.50	0.52%
SPY	Spdr S&P 500 ETF Trust	Held	2,877	0	$2,148,457	+14.8%	26+	before history	0.49%
JNJ	Johnson & Johnson Healthcare	Added	8,218	+165	$2,087,125	+6.0%	26+	before history	0.48%
ORCL	Oracle Corp Technology	Reduced	14,024	-347	$2,055,217	−2.8%	26+	before history	0.47%
GSK	GSK plc Healthcare	Reduced	39,176	-860	$2,053,605	−7.1%	15	$34.46	0.47%
COR	Cencora, Inc. Healthcare	Added	7,156	+105	$2,025,004	−8.6%	19	$149.79	0.46%
MDT	Medtronic plc Healthcare	Added	25,866	+3,266	$2,023,497	+3.3%	2	$93.89	0.46%
HD	Home Depot, Inc. Consumer Cyclical	Reduced	5,627	-152	$1,984,530	+4.4%	26+	before history	0.45%
BA	Boeing Co Industrials	Reduced	9,062	-190	$1,961,651	+6.5%	26+	before history	0.45%
KO	Coca Cola Co Consumer Defensive	Reduced	22,806	-541	$1,853,443	+4.4%	26+	before history	0.42%
GD	General Dynamics Corp Industrials	Reduced	5,113	-159	$1,811,229	+0.1%	26+	before history	0.41%
BX	Blackstone Inc. Financial Services	Reduced	15,154	-223	$1,783,171	+0.8%	21	$104.29	0.41%
AVUS	Avantis U.S. Equity ETF	Held	13,829	0	$1,771,218	+15.2%	11	$80.56	0.40%

Showing the top 50 of 117 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

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.