Citizens & Northern Corp.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 31, 2025), Citizens & Northern Corp. reported 126 stock positions worth $365.1 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 11.8% of the portfolio, followed by Fidelity MSCI RL Est Indx (FREL, 5.8%) and iShares North American Natur (IGE, 5.1%). Compared with Q3 2024, it opened 11 new positions, sold out of 11, added to 73 and reduced 21. The biggest buy was a new position in iShares North American Natur (IGE) and the biggest sale NT Mstar GLBL NR ETF (GUNR, shares −89%).

Most Recent 13F
Q2 2026
Location
WELLSBORO, PA
CIK
0000810958
Portfolio Value
$365.1M (Q4 2024)
SEC Filing
0001104659-25-007887 ↗ filed Jan 31, 2025

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 Q3 2024 Q4 2024: $365.1M $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 · $365.1M
VONG Vanguard Russell 1000 Growth 11.84% 418,554 $43.2M Add +11.5%
FREL Fidelity MSCI RL Est Indx 5.80% 783,067 $21.2M Reduce -2.6%
IGE iShares North American Natur 5.13% 438,469 $18.7M New
IEMG iShares Core MSCI Emerging 5.03% 351,646 $18.4M New
IJH iShares Core S&P Midcap ETF 4.27% 249,959 $15.6M Add +0.9%
SPMD SS SPDR P S&P 400 Midcap ETF 4.20% 280,513 $15.3M Add +0.9%
AAPL Apple Inc. 4.14% 60,417 $15.1M Add +4.9%
MSFT Microsoft Corp. 3.77% 32,618 $13.7M Add +1.4%
NVDA Nvidia Corp. 3.36% 91,399 $12.3M Add +0.8%
EMB iShares JP Morgan Usd Emergi 3.13% 128,456 $11.4M Add +18.3%
GOOG Alphabet Inc. Class C 2.42% 46,486 $8.9M Add +0.6%
AMZN Amazon.com Inc. 2.39% 39,690 $8.7M Add +10.3%
CZFS Citizens Financial Services 2.01% 115,922 $7.3M Add +29.9%
CZNC Citizens & Northern Corp. 1.73% 338,687 $6.3M Add +3.2%
JPM JPMorgan Chase & Co. 1.69% 25,722 $6.2M Add +3.7%
DFAC Dimensional US Core Equity 2 1.55% 163,552 $5.7M No change
META Meta Platforms Inc. Class A 1.46% 9,117 $5.3M Reduce -1.6%
COST Costco Wholesale Corp. 1.40% 5,573 $5.1M Reduce -0.5%
MA Mastercard Inc. Class A 1.18% 8,172 $4.3M Reduce -3.0%
CMG Chipotle Mexican Grill Inc. 0.95% 57,598 $3.5M Add +3.0%
PG The Procter & Gamble Co. 0.85% 18,526 $3.1M Add +0.4%
MBB iShares MBS ETF 0.85% 33,681 $3.1M Reduce -0.9%
XOM Exxon Mobil Corp. 0.84% 28,610 $3.1M Reduce -0.0%
CRM Salesforce Inc. 0.83% 9,036 $3.0M Add +2.6%
HD Home Depot Inc. 0.72% 6,765 $2.6M Add +2.4%
ORCL Oracle Corp. 0.70% 15,232 $2.5M Reduce -12.9%
ABT Abbott Laboratories 0.69% 22,129 $2.5M Add +2.6%
NSC Norfolk Southern Corp. 0.61% 9,474 $2.2M Add +2.2%
BX Blackstone Inc. 0.60% 12,807 $2.2M Add +2.7%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.59% 17,874 $2.2M Add +2.9%
PANW Palo Alto Networks Inc. 0.58% 11,619 $2.1M Add +5.7%
ADI Analog Devices Inc. 0.58% 9,951 $2.1M Add +5.6%
HON Honeywell International Inc. 0.57% 9,189 $2.1M Add +2.3%
GD General Dynamics Corp. 0.56% 7,825 $2.1M Add +3.9%
GUNR NT Mstar GLBL NR ETF 0.56% 56,338 $2.0M Reduce -89.3%
CSCO Cisco Systems Inc. 0.54% 33,156 $2.0M Add +4.0%
MDLZ Mondelez International Inc. Class A 0.53% 32,205 $1.9M Add +3.7%
AVDE Avantis International Equity 0.52% 31,199 $1.9M Reduce -0.3%
NOW ServiceNow Inc. 0.49% 1,693 $1.8M Add +14.2%
ADBE Adobe Inc. 0.48% 3,980 $1.8M Add +1.8%
MRSH Marsh & McLennan Cos 0.48% 8,282 $1.8M Add +5.1%
GWW WW Grainger Inc. filed as GRAINGER W W INC 0.48% 1,649 $1.7M Add +3.1%
AMT American Tower Corp. 0.47% 9,409 $1.7M Add +0.9%
ACN Accenture PLC Class A 0.47% 4,851 $1.7M Add +232.5%
CMCSA Comcast Corp. Class A 0.46% 44,927 $1.7M Add +7.3%
SPY SS SPDR S&P 500 ETF Trust-US 0.46% 2,871 $1.7M No change
COR Cencora Inc. 0.45% 7,354 $1.7M Add +3.0%
ICE Intercontinental Exchange Inc. 0.45% 11,027 $1.6M Add +3.4%
SCHW Schwab (charles) Corp. 0.44% 21,468 $1.6M Add +4.8%
TFC Truist Financial Corp. 0.43% 36,575 $1.6M Add +2.5%
MAS Masco Corp. 0.42% 21,318 $1.5M Add +3.9%
KO The Coca-Cola Co. 0.42% 24,429 $1.5M Add +2.7%
BLK BlackRock Inc. 0.41% 1,448 $1.5M Add +2.0%
MCD McDonald's Corp. 0.39% 4,966 $1.4M Reduce -7.0%
GSK GSK PLC-Spon ADR 0.38% 41,143 $1.4M Add +3.0%
ETN Eaton Corp. PLC 0.38% 4,148 $1.4M Add +348.4%
ZBH Zimmer Biomet Holdings Inc. 0.37% 12,811 $1.4M Add +5.0%
SLB SLB Ltd. filed as SCHLUMBERGER LTD 0.37% 35,238 $1.4M Add +18.9%
NKE Nike Inc. Class B 0.36% 17,606 $1.3M Add +9.8%
BBWI Bath & Body Works Inc. 0.36% 33,810 $1.3M Add +69.5%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.36% 11,742 $1.3M Add +2.6%
NEE Nextera Energy Inc. 0.36% 18,217 $1.3M Reduce -0.1%
UNP Union Pacific Corp. 0.36% 5,694 $1.3M Add +12.9%
FDX FedEx Corp. 0.35% 4,579 $1.3M Add +19.0%
PYPL PayPal Holdings Inc. 0.35% 15,014 $1.3M Add +7.0%
CVX Chevron Corp. 0.35% 8,820 $1.3M Add +12.6%
AVUS Avantis U.S. Equity ETF 0.31% 11,823 $1.1M No change
CDW CDW Corp. 0.31% 6,580 $1.1M Add +2.9%
BDX Becton Dickinson and Co. 0.31% 5,004 $1.1M Add +2.3%
EOG EOG Resources Inc. 0.31% 9,253 $1.1M Add +0.6%
BA The Boeing Co. 0.30% 6,154 $1.1M Add +4.2%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.30% 2,543 $1.1M No change
BMY Bristol-Myers Squibb Co. 0.30% 19,120 $1.1M Add +35.7%
BNDX Vanguard Total Intl Bond ETF 0.29% 21,459 $1.1M No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.27% 4,514 $992K Reduce -62.8%
IWF iShares Russell 1000 Growth 0.27% 2,423 $973K No change
PFE Pfizer Inc. 0.27% 36,646 $972K Add +7.5%
GLW Corning Inc. 0.26% 19,926 $947K No change
SPTL SS SPDR PF LNG TRM TSY E-Usd 0.25% 35,122 $920K Add +10.4%
DD Dupont DE Nemours Inc. 0.24% 11,483 $876K Add +3.6%
HAL Halliburton Co. 0.23% 30,295 $824K Add +6.8%
VIG Vanguard Dividend Apprec ETF 0.22% 4,118 $806K No change
BRK.B Berkshire Hathaway Inc. Class B 0.22% 1,735 $786K Add +43.4%
CVS CVS Health Corp. 0.20% 16,633 $747K Reduce -29.7%
AMD Advanced Micro Devices 0.20% 6,036 $729K Add +188.3%
FCX Freeport-McMoran Inc. 0.20% 18,907 $720K Add +2.4%
VZ Verizon Communications Inc. 0.18% 16,052 $642K Add +22.8%
IHF iShares U.S. Healthcare Prov 0.17% 13,120 $630K Add +214.3%
SUB iShares Short-Term National 0.17% 5,929 $625K No change
ROP Roper Technologies Inc. 0.16% 1,115 $580K No change
MCHP Microchip Technology Inc. 0.16% 10,027 $575K Reduce -23.0%
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.15% 7,057 $555K Reduce -8.2%
IWD iShares Russell 1000 Value E 0.15% 2,967 $549K No change
TIP iShares Tips Bond ETF 0.15% 5,063 $539K Add +42.9%
MTB M & T Bank Corp. filed as M & T BK CORP 0.14% 2,784 $523K New
ITW Illinois Tool Works 0.13% 1,912 $485K Add +14.0%
T AT&T Inc. 0.13% 21,010 $478K Reduce -59.4%
DFIC Dimensional International Co. 0.12% 17,326 $448K No change
BIIB Biogen Inc. 0.12% 2,894 $443K Reduce -31.4%
AVEM Avantis Emerging Markets Eq 0.12% 7,164 $421K Reduce -1.8%
WMT Walmart Inc. 0.11% 4,613 $417K Add +71.6%
DE Deere & Co. 0.10% 886 $375K No change
JNJ Johnson & Johnson 0.10% 2,555 $370K Add +14.7%
UNH Unitedhealth Group Inc. 0.10% 719 $364K No change
ESG NT Stoxx US ESG ETF 0.09% 2,502 $345K Reduce -0.7%
IVV iShares Core S&P 500 ETF 0.09% 585 $344K Add +20.6%
CAT Caterpillar Inc. 0.09% 925 $336K No change
XNTK SS SPDR Nyse Tech ETF 0.08% 1,485 $300K New
LLY Eli Lilly & Co. 0.08% 374 $289K Add +34.5%
AVGO Broadcom Inc. 0.08% 1,200 $278K New
LOW Lowe's Cos Inc. 0.08% 1,126 $278K No change
IBB iShares Biotechnology ETF 0.08% 2,084 $276K New
VTEB Vanguard Tax-Exempt Bond ETF 0.07% 5,410 $271K Reduce -2.8%
SOXX iShares Semiconductor ETF 0.07% 1,251 $270K New
CME Cme Group Inc. 0.07% 1,119 $260K No change
BNDC NT Core Bond ETF 0.07% 11,341 $246K Add +3.4%
NFG National Fuel Gas Co. 0.07% 4,012 $243K No change
DGX Quest Diagnostics Inc. 0.07% 1,606 $242K Add +20.2%
V Visa Inc. Class A 0.07% 763 $241K New
VT Vanguard Tot World STK ETF 0.06% 2,000 $235K No change
ROK Rockwell Automation Inc. 0.06% 800 $229K No change
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.06% 650 $223K New
PGR Progressive Corp. 0.06% 925 $222K New
CBU Community Financial System I 0.06% 3,394 $209K Reduce -42.2%
CMI Cummins Inc. 0.06% 600 $209K New
F Ford Motor Co. filed as FORD MTR CO 0.03% 12,373 $122K No change

Portfolio Sells Q3 2024 → Q4 2024
GUNR NT Mstar GLBL NR ETF Reduce -89.3% 0.56% −5.96
FREL Fidelity MSCI RL Est Indx Reduce -2.6% 5.80% −1.32
IBM Intl Business Machines Corp. Reduce -62.8% 0.27% −0.53
CVS CVS Health Corp. Reduce -29.7% 0.20% −0.24
AGG iShares Core U.S. Aggregate Sold out 0.00% −0.21
T AT&T Inc. Reduce -59.4% 0.13% −0.21
ORCL Oracle Corp. Reduce -12.9% 0.70% −0.20
XLY SS Consumer Disc Select Sect Sold out 0.00% −0.19
XOM Exxon Mobil Corp. Reduce -0.0% 0.84% −0.16
MCHP Microchip Technology Inc. Reduce -23.0% 0.16% −0.16
MBB iShares MBS ETF Reduce -0.9% 0.85% −0.13
META Meta Platforms Inc. Class A Reduce -1.6% 1.46% −0.13
BIIB Biogen Inc. Reduce -31.4% 0.12% −0.12
AVDE Avantis International Equity Reduce -0.3% 0.52% −0.11
NEE Nextera Energy Inc. Reduce -0.1% 0.36% −0.10
EL Estee Lauder Companies Class A Sold out 0.00% −0.09
MCD McDonald's Corp. Reduce -7.0% 0.39% −0.09
COST Costco Wholesale Corp. Reduce -0.5% 1.40% −0.09
OIH Vaneck Oil Services ETF Sold out 0.00% −0.08
XPH SS SPDR S&P Pharma ETF Sold out 0.00% −0.08
SHM SS SPDR N Ice St Muni ETF Sold out 0.00% −0.08
XLP SS Consumer Staples Sel Sect Sold out 0.00% −0.08
MA Mastercard Inc. Class A Reduce -3.0% 1.18% −0.07
VNQ Vanguard Real Estate ETF Sold out 0.00% −0.07
DHR Danaher Corp. Sold out 0.00% −0.06
DFEM Dimensional Emrg MRKT Core Sold out 0.00% −0.06
FNF Fidelity National Financial Sold out 0.00% −0.06
CBU Community Financial System I Reduce -42.2% 0.06% −0.04
HYG Ishr Ibx Usd Hiyld CB ETF-Ui Reduce -8.2% 0.15% −0.03
AVEM Avantis Emerging Markets Eq Reduce -1.8% 0.12% −0.03
VTEB Vanguard Tax-Exempt Bond ETF Reduce -2.8% 0.07% −0.01
ESG NT Stoxx US ESG ETF Reduce -0.7% 0.09% −0.01

Portfolio Buys Q3 2024 → Q4 2024
IGE iShares North American Natur New 5.13% +5.13
IEMG iShares Core MSCI Emerging New 5.03% +5.03
VONG Vanguard Russell 1000 Growth Add +11.5% 11.84% +0.97
CZFS Citizens Financial Services Add +29.9% 2.01% +0.44
AMZN Amazon.com Inc. Add +10.3% 2.39% +0.37
ACN Accenture PLC Class A Add +232.5% 0.47% +0.31
ETN Eaton Corp. PLC Add +348.4% 0.38% +0.28
BBWI Bath & Body Works Inc. Add +69.5% 0.36% +0.17
MTB M & T Bank Corp. New 0.14% +0.14
JPM JPMorgan Chase & Co. Add +3.7% 1.69% +0.12
AAPL Apple Inc. Add +4.9% 4.14% +0.12
GOOG Alphabet Inc. Class C Add +0.6% 2.42% +0.11
CRM Salesforce Inc. Add +2.6% 0.83% +0.10
IHF iShares U.S. Healthcare Prov Add +214.3% 0.17% +0.10
AMD Advanced Micro Devices Add +188.3% 0.20% +0.10
NOW ServiceNow Inc. Add +14.2% 0.49% +0.09
XNTK SS SPDR Nyse Tech ETF New 0.08% +0.08
EMB iShares JP Morgan Usd Emergi Add +18.3% 3.13% +0.08
BMY Bristol-Myers Squibb Co. Add +35.7% 0.30% +0.08
AVGO Broadcom Inc. New 0.08% +0.08
IBB iShares Biotechnology ETF New 0.08% +0.08
SOXX iShares Semiconductor ETF New 0.07% +0.07
V Visa Inc. Class A New 0.07% +0.07
MGK Vngrd Mrgstr MG CP GR ETF-Ui New 0.06% +0.06
PGR Progressive Corp. New 0.06% +0.06
CMI Cummins Inc. New 0.06% +0.06
NVDA Nvidia Corp. Add +0.8% 3.36% +0.06
WMT Walmart Inc. Add +71.6% 0.11% +0.05
BRK.B Berkshire Hathaway Inc. Class B Add +43.4% 0.22% +0.05
FDX FedEx Corp. Add +19.0% 0.35% +0.04
SCHW Schwab (charles) Corp. Add +4.8% 0.44% +0.04
BX Blackstone Inc. Add +2.7% 0.60% +0.03
TIP iShares Tips Bond ETF Add +42.9% 0.15% +0.03
BA The Boeing Co. Add +4.2% 0.30% +0.03
CSCO Cisco Systems Inc. Add +4.0% 0.54% +0.03
DIS The Walt Disney Co. Add +2.6% 0.36% +0.03
PYPL PayPal Holdings Inc. Add +7.0% 0.35% +0.02
PANW Palo Alto Networks Inc. Add +5.7% 0.58% +0.01
HON Honeywell International Inc. Add +2.3% 0.57% +0.01
IVV iShares Core S&P 500 ETF Add +20.6% 0.09% +0.01
LLY Eli Lilly & Co. Add +34.5% 0.08% +0.01
DGX Quest Diagnostics Inc. Add +20.2% 0.07% +0.00
CVX Chevron Corp. Add +12.6% 0.35% +0.00
BLK BlackRock Inc. Add +2.0% 0.41% +0.00
ITW Illinois Tool Works Add +14.0% 0.13% +0.00
VZ Verizon Communications Inc. Add +22.8% 0.18% −0.00
SLB SLB Ltd. Add +18.9% 0.37% −0.00
JNJ Johnson & Johnson Add +14.7% 0.10% −0.01
BNDC NT Core Bond ETF Add +3.4% 0.07% −0.01
CMG Chipotle Mexican Grill Inc. Add +3.0% 0.95% −0.02

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