Citizens & Northern Corp.

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 4, 2024), Citizens & Northern Corp. reported 126 stock positions worth $333.1 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 10.9% of the portfolio, followed by Fidelity MSCI RL Est Indx (FREL, 7.1%) and NT Mstar GLBL NR ETF (GUNR, 6.5%). Compared with Q2 2024, it opened 16 new positions, sold out of 8, added to 65 and reduced 22. The biggest buy was Fidelity MSCI RL Est Indx (FREL, shares +5%) and the biggest sale an exit from Vanguard Russell 1000 (VONE).

Most Recent 13F
Q2 2026
Location
WELLSBORO, PA
CIK
0000810958
Portfolio Value
$333.1M (Q3 2024)
SEC Filing
0001104659-24-113794 ↗ filed Nov 4, 2024

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $295.7M Q1 2024 Q2 2024: $319.7M Q2 2024 Q3 2024: $333.1M $333.1M Q3 2024 Q4 2024: $365.1M Q4 2024 Q1 2025: $354.7M Q1 2025 Q2 2025: $373.7M Q2 2025 Q3 2025: $403.5M Q3 2025 Q4 2025: $403.6M Q4 2025 Q1 2026: $401.0M Q1 2026 Q2 2026: $437.7M Q2 2026

Holdings 126 stocks · $333.1M
VONG Vanguard Russell 1000 Growth 10.87% 375,249 $36.2M Add +0.3%
FREL Fidelity MSCI RL Est Indx 7.12% 804,193 $23.7M Add +5.2%
GUNR NT Mstar GLBL NR ETF 6.52% 526,604 $21.7M Add +5.6%
IJH iShares Core S&P Midcap ETF 4.63% 247,636 $15.4M Add +13.9%
SPMD SS SPDR P S&P 400 Midcap ETF 4.56% 277,928 $15.2M Add +0.1%
MSFT Microsoft Corp. 4.16% 32,178 $13.8M Add +7.2%
AAPL Apple Inc. 4.03% 57,579 $13.4M Add +6.7%
NVDA Nvidia Corp. 3.31% 90,647 $11.0M Add +5.2%
EMB iShares JP Morgan Usd Emergi 3.05% 108,602 $10.2M Add +5.3%
GOOG Alphabet Inc. Class C 2.32% 46,203 $7.7M Reduce -5.5%
AMZN Amazon.com Inc. 2.01% 35,999 $6.7M Add +11.3%
CZNC Citizens & Northern Corp. 1.94% 328,295 $6.5M Reduce -0.3%
DFAC Dimensional US Core Equity 2 1.68% 163,552 $5.6M Add +10.5%
META Meta Platforms Inc. Class A 1.59% 9,266 $5.3M Reduce -2.2%
CZFS Citizens Financial Services 1.57% 89,229 $5.2M Add +1.0%
JPM JPMorgan Chase & Co. 1.57% 24,809 $5.2M Add +8.0%
COST Costco Wholesale Corp. 1.49% 5,602 $5.0M Add +8.1%
MA Mastercard Inc. Class A 1.25% 8,426 $4.2M Add +7.8%
XOM Exxon Mobil Corp. 1.01% 28,612 $3.4M Add +2.1%
MBB iShares MBS ETF 0.98% 34,003 $3.3M Add +23.0%
CMG Chipotle Mexican Grill Inc. 0.97% 55,904 $3.2M Add +10.1%
PG The Procter & Gamble Co. 0.96% 18,445 $3.2M Add +3.8%
ORCL Oracle Corp. 0.89% 17,493 $3.0M Add +2.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.81% 12,128 $2.7M Reduce -8.5%
HD Home Depot Inc. 0.80% 6,604 $2.7M Add +6.5%
ABT Abbott Laboratories 0.74% 21,576 $2.5M Add +7.8%
CRM Salesforce Inc. 0.72% 8,804 $2.4M Add +7.8%
NSC Norfolk Southern Corp. 0.69% 9,268 $2.3M Add +9.4%
MDLZ Mondelez International Inc. Class A 0.69% 31,062 $2.3M Add +7.5%
GD General Dynamics Corp. 0.68% 7,532 $2.3M Add +8.3%
ADI Analog Devices Inc. 0.65% 9,423 $2.2M Add +13.0%
AMT American Tower Corp. 0.65% 9,325 $2.2M Add +8.7%
AVDE Avantis International Equity 0.63% 31,309 $2.1M Add +0.1%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.61% 17,374 $2.0M Add +7.8%
ADBE Adobe Inc. 0.61% 3,910 $2.0M Add +12.0%
BX Blackstone Inc. 0.57% 12,469 $1.9M Add +7.5%
PANW Palo Alto Networks Inc. 0.56% 5,498 $1.9M Add +9.8%
HON Honeywell International Inc. 0.56% 8,981 $1.9M Add +8.9%
MRSH Marsh & McLennan Cos 0.53% 7,878 $1.8M Add +9.9%
CMCSA Comcast Corp. Class A 0.53% 41,862 $1.7M Reduce -1.6%
MAS Masco Corp. 0.52% 20,520 $1.7M Add +9.4%
ICE Intercontinental Exchange Inc. 0.51% 10,661 $1.7M Add +7.3%
KO The Coca-Cola Co. 0.51% 23,793 $1.7M Add +8.2%
CSCO Cisco Systems Inc. 0.51% 31,867 $1.7M Add +4.2%
GWW WW Grainger Inc. filed as GRAINGER W W INC 0.50% 1,599 $1.7M Add +7.8%
SPY SS SPDR S&P 500 ETF Trust-US 0.49% 2,871 $1.6M Reduce -0.6%
GSK GSK PLC-Spon ADR 0.49% 39,936 $1.6M Add +8.6%
MCD McDonald's Corp. 0.49% 5,342 $1.6M Add +4.3%
COR Cencora Inc. 0.48% 7,142 $1.6M Add +10.1%
NEE Nextera Energy Inc. 0.46% 18,234 $1.5M Add +8.4%
TFC Truist Financial Corp. 0.46% 35,668 $1.5M Reduce -12.2%
CVS CVS Health Corp. 0.45% 23,669 $1.5M Reduce -9.3%
CDW CDW Corp. 0.43% 6,393 $1.4M Add +9.8%
NKE Nike Inc. Class B 0.43% 16,034 $1.4M Reduce -13.4%
BLK BlackRock Finance Inc. 0.40% 1,420 $1.3M Add +8.4%
SCHW Schwab (charles) Corp. 0.40% 20,486 $1.3M Add +52.0%
NOW ServiceNow Inc. 0.40% 1,482 $1.3M New
ZBH Zimmer Biomet Holdings Inc. 0.40% 12,201 $1.3M Add +2.5%
SLB SLB Ltd. filed as SCHLUMBERGER LTD 0.37% 29,648 $1.2M Reduce -9.0%
UNP Union Pacific Corp. 0.37% 5,044 $1.2M No change
BDX Becton Dickinson and Co. 0.35% 4,893 $1.2M Add +8.5%
CVX Chevron Corp. 0.35% 7,830 $1.2M Add +6.4%
T AT&T Inc. 0.34% 51,761 $1.1M Reduce -8.9%
EOG EOG Resources Inc. 0.34% 9,202 $1.1M Add +8.7%
AVUS Avantis U.S. Equity ETF 0.34% 11,823 $1.1M No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.33% 11,443 $1.1M Add +8.9%
PYPL PayPal Holdings Inc. 0.33% 14,029 $1.1M Add +14.6%
BNDX Vanguard Total Intl Bond ETF 0.32% 21,459 $1.1M No change
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.32% 2,543 $1.1M No change
FDX FedEx Corp. 0.32% 3,847 $1.1M New
MCHP Microchip Technology Inc. 0.31% 13,024 $1.0M Add +1.8%
DD Dupont DE Nemours Inc. 0.30% 11,085 $988K Add +7.9%
PFE Pfizer Inc. 0.30% 34,101 $987K Add +7.7%
SPTL SS SPDR PF LNG TRM TSY E-Usd 0.28% 31,803 $925K No change
FCX Freeport-McMoran Inc. 0.28% 18,457 $921K Add +7.1%
IWF iShares Russell 1000 Growth 0.27% 2,423 $910K Reduce -3.9%
GLW Corning Inc. 0.27% 19,926 $900K Reduce -1.0%
BA The Boeing Co. 0.27% 5,907 $898K Add +6.1%
HAL Halliburton Co. 0.25% 28,378 $824K Add +12.8%
BIIB Biogen Inc. 0.25% 4,222 $818K Reduce -3.0%
VIG Vanguard Dividend Apprec ETF 0.24% 4,118 $816K No change
BMY Bristol-Myers Squibb Co. 0.22% 14,094 $729K Reduce -21.2%
AGG iShares Core U.S. Aggregate 0.21% 6,958 $705K Reduce -57.8%
BBWI Bath & Body Works Inc. 0.19% 19,950 $637K Reduce -32.3%
SUB iShares Short-Term National 0.19% 5,929 $630K Reduce -36.2%
XLY SS Consumer Disc Select Sect 0.19% 3,122 $626K New
ROP Roper Technologies Inc. 0.19% 1,115 $620K No change
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.19% 7,686 $617K No change
VZ Verizon Communications Inc. 0.18% 13,071 $587K Reduce -1.7%
IWD iShares Russell 1000 Value E 0.17% 2,967 $563K No change
BRK.B Berkshire Hathaway Inc. Class B 0.17% 1,210 $557K No change
ACN Accenture PLC Class A 0.15% 1,459 $516K New
DFIC Dimensional International Co. 0.15% 17,326 $488K Add +86.9%
AVEM Avantis Emerging Markets Eq 0.14% 7,296 $471K Add +21.1%
ITW Illinois Tool Works 0.13% 1,677 $439K Add +16.3%
UNH Unitedhealth Group Inc. 0.13% 719 $420K No change
TIP iShares Tips Bond ETF 0.12% 3,544 $392K No change
DE Deere & Co. 0.11% 886 $370K No change
CAT Caterpillar Inc. 0.11% 925 $362K No change
JNJ Johnson & Johnson 0.11% 2,228 $361K Add +18.3%
AMD Advanced Micro Devices 0.10% 2,094 $344K New
ESG NT Stoxx US ESG ETF 0.10% 2,520 $342K No change
CBU Community Financial System I 0.10% 5,870 $341K Reduce -30.3%
EL Estee Lauder Companies Class A filed as LAUDER ESTEE COS INC 0.09% 3,144 $313K Reduce -55.4%
ETN Eaton Corp. PLC 0.09% 925 $307K New
LOW Lowe's Cos Inc. 0.09% 1,126 $305K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.09% 5,568 $285K Add +22.5%
OIH Vaneck Oil Services ETF 0.08% 993 $282K New
XPH SS SPDR S&P Pharma ETF 0.08% 6,347 $282K New
IVV iShares Core S&P 500 ETF 0.08% 485 $280K No change
SHM SS SPDR N Ice St Muni ETF 0.08% 5,732 $276K No change
XLP SS Consumer Staples Sel Sect 0.08% 3,181 $264K New
BNDC NT Core Bond ETF 0.07% 10,965 $250K No change
CME Cme Group Inc. 0.07% 1,119 $247K No change
LLY Eli Lilly & Co. 0.07% 278 $246K No change
NFG National Fuel Gas Co. 0.07% 4,012 $243K Add +2.3%
VT Vanguard Tot World STK ETF 0.07% 2,000 $239K No change
IHF iShares U.S. Healthcare Prov 0.07% 4,175 $238K New
VNQ Vanguard Real Estate ETF 0.07% 2,233 $218K New
WMT Walmart Inc. 0.07% 2,688 $217K New
ROK Rockwell Automation Inc. 0.06% 800 $215K No change
DHR Danaher Corp. 0.06% 770 $214K New
DFEM Dimensional Emrg MRKT Core 0.06% 7,560 $213K Reduce -2.3%
FNF Fidelity National Financial 0.06% 3,359 $208K New
DGX Quest Diagnostics Inc. 0.06% 1,336 $207K New
F Ford Motor Co. filed as FORD MTR CO 0.04% 12,373 $131K New

Portfolio Sells Q2 2024 → Q3 2024
VONE Vanguard Russell 1000 Sold out 0.00% −2.30
IXUS iShares Core Intl Stock ETF Sold out 0.00% −1.41
SCHD Schwab US DVD Equity ETF Sold out 0.00% −0.83
FQAL Fidelity Quality Factor ETF Sold out 0.00% −0.68
SPSM SS SPDR P S&P 600 Small Cap Sold out 0.00% −0.62
GOOG Alphabet Inc. Class C Reduce -5.5% 2.32% −0.48
AVRE Avantis Real Estate ETF Sold out 0.00% −0.42
HYDW XTRS Low Beta Hi Yield ETF Sold out 0.00% −0.42
AGG iShares Core U.S. Aggregate Reduce -57.8% 0.21% −0.29
EXCHANGE TRADED CONCEPTS TRU Sold out 0.00% −0.23
BBWI Bath & Body Works Inc. Reduce -32.3% 0.19% −0.17
EL Estee Lauder Companies Class A Reduce -55.4% 0.09% −0.14
SUB iShares Short-Term National Reduce -36.2% 0.19% −0.11
SLB SLB Ltd. Reduce -9.0% 0.37% −0.11
BIIB Biogen Inc. Reduce -3.0% 0.25% −0.07
TFC Truist Financial Corp. Reduce -12.2% 0.46% −0.04
CVS CVS Health Corp. Reduce -9.3% 0.45% −0.04
CBU Community Financial System I Reduce -30.3% 0.10% −0.02
IWF iShares Russell 1000 Growth Reduce -3.9% 0.27% −0.01
BMY Bristol-Myers Squibb Co. Reduce -21.2% 0.22% −0.01
NKE Nike Inc. Class B Reduce -13.4% 0.43% −0.01
DFEM Dimensional Emrg MRKT Core Reduce -2.3% 0.06% −0.00
T AT&T Inc. Reduce -8.9% 0.34% +0.00
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.6% 0.49% +0.00
CMCSA Comcast Corp. Class A Reduce -1.6% 0.53% +0.00
VZ Verizon Communications Inc. Reduce -1.7% 0.18% +0.00
GLW Corning Inc. Reduce -1.0% 0.27% +0.03
IBM Intl Business Machines Corp. Reduce -8.5% 0.81% +0.09
CZNC Citizens & Northern Corp. Reduce -0.3% 1.94% +0.10
META Meta Platforms Inc. Class A Reduce -2.2% 1.59% +0.10

Portfolio Buys Q2 2024 → Q3 2024
FREL Fidelity MSCI RL Est Indx Add +5.2% 7.12% +1.06
IJH iShares Core S&P Midcap ETF Add +13.9% 4.63% +0.65
AAPL Apple Inc. Add +6.7% 4.03% +0.47
NOW ServiceNow Inc. New 0.40% +0.40
CZFS Citizens Financial Services Add +1.0% 1.57% +0.33
FDX FedEx Corp. New 0.32% +0.32
GUNR NT Mstar GLBL NR ETF Add +5.6% 6.52% +0.26
EMB iShares JP Morgan Usd Emergi Add +5.3% 3.05% +0.20
DFAC Dimensional US Core Equity 2 Add +10.5% 1.68% +0.19
XLY SS Consumer Disc Select Sect New 0.19% +0.19
MBB iShares MBS ETF Add +23.0% 0.98% +0.18
MA Mastercard Inc. Class A Add +7.8% 1.25% +0.17
ACN Accenture PLC Class A New 0.15% +0.15
ORCL Oracle Corp. Add +2.9% 0.89% +0.14
HD Home Depot Inc. Add +6.5% 0.80% +0.14
AMT American Tower Corp. Add +8.7% 0.65% +0.13
MAS Masco Corp. Add +9.4% 0.52% +0.13
BX Blackstone Inc. Add +7.5% 0.57% +0.12
NSC Norfolk Southern Corp. Add +9.4% 0.69% +0.12
JPM JPMorgan Chase & Co. Add +8.0% 1.57% +0.12
COST Costco Wholesale Corp. Add +8.1% 1.49% +0.11
SPMD SS SPDR P S&P 400 Midcap ETF Add +0.1% 4.56% +0.11
PYPL PayPal Holdings Inc. Add +14.6% 0.33% +0.11
AMD Advanced Micro Devices New 0.10% +0.10
MDLZ Mondelez International Inc. Class A Add +7.5% 0.69% +0.10
ETN Eaton Corp. PLC New 0.09% +0.09
NEE Nextera Energy Inc. Add +8.4% 0.46% +0.09
ICE Intercontinental Exchange Inc. Add +7.3% 0.51% +0.09
ABT Abbott Laboratories Add +7.8% 0.74% +0.09
SCHW Schwab (charles) Corp. Add +52.0% 0.40% +0.09
OIH Vaneck Oil Services ETF New 0.08% +0.08
XPH SS SPDR S&P Pharma ETF New 0.08% +0.08
BLK BlackRock Finance Inc. Add +8.4% 0.40% +0.08
MCD McDonald's Corp. Add +4.3% 0.49% +0.08
GWW WW Grainger Inc. Add +7.8% 0.50% +0.08
XLP SS Consumer Staples Sel Sect New 0.08% +0.08
KO The Coca-Cola Co. Add +8.2% 0.51% +0.08
IHF iShares U.S. Healthcare Prov New 0.07% +0.07
DFIC Dimensional International Co. Add +86.9% 0.15% +0.07
CRM Salesforce Inc. Add +7.8% 0.72% +0.07
VNQ Vanguard Real Estate ETF New 0.07% +0.07
WMT Walmart Inc. New 0.07% +0.07
DHR Danaher Corp. New 0.06% +0.06
FNF Fidelity National Financial New 0.06% +0.06
DGX Quest Diagnostics Inc. New 0.06% +0.06
TJX TJX Companies Inc. Add +7.8% 0.61% +0.06
AMZN Amazon.com Inc. Add +11.3% 2.01% +0.06
ADI Analog Devices Inc. Add +13.0% 0.65% +0.06
MRSH Marsh & McLennan Cos Add +9.9% 0.53% +0.06
CSCO Cisco Systems Inc. Add +4.2% 0.51% +0.05

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 117$437.7MVONG, IEMG, FREL, IGE, IJH
Q1 2026 119$401.0MVONG, FREL, IGE, IEMG, IJH
Q4 2025 124$403.6MVONG, FREL, IGE, IEMG, IJH
Q3 2025 121$403.5MVONG, IGE, IEMG, FREL, IJH
Q2 2025 118$373.7MVONG, FREL, IGE, IEMG, IJH
Q1 2025 118$354.7MVONG, IGE, FREL, IEMG, IJH
Q4 2024 126$365.1MVONG, FREL, IGE, IEMG, IJH
Q3 2024 126$333.1MVONG, FREL, GUNR, IJH, SPMD
Q2 2024 118$319.7MVONG, GUNR, FREL, SPMD, MSFT
Q1 2024 109$295.7MVONG, GUNR, FREL, SPMD, MSFT