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CITIZENS & NORTHERN CORP — 13F Holdings & Portfolio

CIK 810958 · latest 13F-HR filed 2026-07-17

Backtest portfolio

CITIZENS & NORTHERN CORP manages $437.7M in 13F-reported U.S. long-equity assets across 117 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are VONG (13.50%), IEMG (6.44%), FREL (6.38%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 9 new positions and exited 11; 48 existing positions rose in reported value and 31 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

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AUM
$437.7M

Long-equity book

Holdings
117

Distinct positions

Period
2026-06-30

Filed 2026-07-17

Q/Q Activity
+9 / −11 / ↑48 / ↓31

vs 2026-03-31

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q2 26
VONG13.5% · +20%IEMG6.4% · +2%FREL6.4% · -15%IGE5.5% · -9%IJH3.8% · -12%NVDA3.7% · -1%AAPL3.5% · -0%SPMD3.2% · -13%GOOG3.2% · -2%EMB2.9% · -2%MSFT2.5% · -2%DFAC2.4% · 0%AMZN2.1% · -3%CZFS1.9% · 0%CZNC1.9% · -3%AMD1.7% · -17%JPM1.3% · -12%GLW1.1% · 0%META1.1% · -12%AVDE1.1% · 0%AVGO1.1% · +84%WFC1.0% · newCAT0.9% · -14%MA0.9% · -4%COST0.9% · -0%XOM0.8% · -1%ADI0.7% · -20%MBB0.7% · -15%KLAC0.7% · +895%CSCO0.6% · -29%CVS0.6% · -4%PG0.6% · -1%TJX0.6% · -1%PANW0.6% · -3%RTX0.6% · -8%C0.5% · -1%ETN0.5% · -10%SCHW0.5% · +15%SPY0.5% · 0%JNJ0.5% · +2%ORCL0.5% · -2%GSK0.5% · -2%COR0.5% · +2%MDT0.5% · +14%HD0.5% · -3%BA0.4% · -2%KO0.4% · -2%GD0.4% · -3%BX0.4% · -2%AVUS0.4% · 0%CRM0.4% · +25%EMR0.4% · -12%FCX0.4% · +5%SLB0.4% · -1%BIIB0.3% · -3%KKR0.3% · -1%NEE0.3% · -2%TPR0.3% · +1%AMT0.3% · -0%UNP0.3% · 0%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q1 26 → Q2 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

3 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 52.3%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

Name Title / Status Ownership Type

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

CITIZENS & NORTHERN CORP Holdings (2026-06-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 Vanguard Russell 1000 Growth ETF VONG 92206C680 $59.1M 13.50% 462,175 SH
2 iShares Core MSCI Emerging Mkts ETF IEMG 46434G103 $28.2M 6.44% 340,138 SH
3 Fidelity MSCI Real Estate Index ETF FREL 316092857 $27.9M 6.38% 953,634 SH
4 iShares North American Natural Resources ETF IGE 464287374 $24.0M 5.49% 427,918 SH
5 iShares S&P MidCap 400 Index Fd IJH 464287507 $16.8M 3.83% 217,637 SH
6 Nvidia Corp NVDA 67066G104 $16.4M 3.75% 81,995 SH
7 Apple Computer Inc AAPL 037833100 $15.5M 3.54% 53,521 SH
8 State Street SPDR Portfolio S&P 400 Mid Cap ETF SPMD 78464A847 $14.1M 3.21% 208,139 SH
9 Alphabet Inc Class C GOOG 02079K107 $13.9M 3.18% 39,454 SH
10 iShares JPMorgan USD Emerging Markets Bond ETF EMB 464288281 $12.8M 2.93% 132,935 SH
11 Microsoft Corp MSFT 594918104 $10.9M 2.48% 29,135 SH
12 Dimensional U.S. Core Equity 2 ETF DFAC 25434V708 $10.6M 2.41% 238,023 SH
13 Amazon Communications Inc AMZN 023135106 $9.0M 2.06% 37,831 SH
14 Citizens Financial Services Inc CZFS 174615104 $8.5M 1.94% 117,063 SH
15 Citizens & Northern Corp CZNC 172922106 $8.1M 1.86% 349,492 SH
16 Advanced Micro Devices Inc AMD 007903107 $7.4M 1.69% 12,718 SH
17 JPMorgan Chase & Co JPM 46625H100 $5.8M 1.33% 17,802 SH
18 Corning Inc GLW 219350105 $5.0M 1.15% 19,658 SH
19 Meta Platforms Inc META 30303M102 $4.9M 1.13% 8,787 SH
20 Avantis International Equity ETF AVDE 025072703 $4.9M 1.12% 54,809 SH
21 Broadcom Inc Common AVGO 11135F101 $4.8M 1.10% 12,690 SH
22 Wells Fargo & Co New WFC 949746101 $4.3M 0.98% 51,763 SH
23 Caterpillar Inc CAT 149123101 $4.1M 0.94% 3,846 SH
24 Mastercard Inc Class A MA 57636Q104 $4.0M 0.92% 7,840 SH
25 Costco Wholesale Corp (New) COST 22160K105 $4.0M 0.92% 4,291 SH
26 Exxon Mobil Corp XOM 30231G102 $3.5M 0.81% 25,824 SH
27 Analog Devices Inc ADI 032654105 $3.1M 0.71% 7,847 SH
28 iShares Barclays MBS Bond Fund ETF MBB 464288588 $2.9M 0.67% 31,118 SH
29 KLA Corporation KLAC 482480100 $2.9M 0.65% 9,472 SH
30 Cisco Systems Inc CSCO 17275R102 $2.7M 0.62% 23,191 SH
31 CVS Health Corporation CVS 126650100 $2.7M 0.62% 26,315 SH
32 Procter & Gamble Co PG 742718109 $2.7M 0.62% 18,475 SH
33 Tjx Companies (New) TJX 872540109 $2.5M 0.58% 16,787 SH
34 Palo Alto Networks Inc Common PANW 697435105 $2.5M 0.57% 7,266 SH
35 RTX Corporation RTX 75513E101 $2.4M 0.55% 12,701 SH
36 Citigroup Inc Common New C 172967424 $2.3M 0.52% 16,391 SH
37 Eaton Corp ETN G29183103 $2.3M 0.52% 5,356 SH
38 Charles Schwab Corp SCHW 808513105 $2.3M 0.52% 24,570 SH
39 State Street SPDR S&P 500 ETF Trust SPY 78462F103 $2.1M 0.49% 2,877 SH
40 Johnson & Johnson JNJ 478160104 $2.1M 0.48% 8,218 SH
41 Oracle Corp ORCL 68389X105 $2.1M 0.47% 14,024 SH
42 GSK PLC ADR GSK 37733W204 $2.1M 0.47% 39,176 SH
43 Cencora, Inc. COR 03073E105 $2.0M 0.46% 7,156 SH
44 Medtronic PLC MDT G5960L103 $2.0M 0.46% 25,866 SH
45 Home Depot Inc HD 437076102 $2.0M 0.45% 5,627 SH
46 Boeing Co BA 097023105 $2.0M 0.45% 9,062 SH
47 Coca Cola Co KO 191216100 $1.9M 0.42% 22,806 SH
48 General Dynamics Corp GD 369550108 $1.8M 0.41% 5,113 SH
49 Blackstone Inc BX 09260D107 $1.8M 0.41% 15,154 SH
50 Avantis US Equity ETF AVUS 025072885 $1.8M 0.40% 13,829 SH
Filing History
Period Filed AUM Holdings Accession
2026-06-30 2026-07-17 $437.7M 117 0001104659-26-084554
2026-03-31 2026-04-27 $401.0M 119 0001104659-26-049177
2025-12-31 2026-01-28 $403.6M 124 0001104659-26-007427
Filer Information
Address
90-92 MAIN ST
WELLSBORO, PA 16901
Phone
(877) 838-2517
Filing Manager
CITIZENS & NORTHERN CORP
WELLSBORO, PA
Signatory
Mark A. Hughes
Executive Vice President and Chief Financial Officer