Citizens & Northern Corp.
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 21, 2025), Citizens & Northern Corp. reported 118 stock positions worth $354.7 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 11.0% of the portfolio, followed by iShares North American Natur (IGE, 6.4%) and Fidelity MSCI RL Est Indx (FREL, 6.1%). Compared with Q4 2024, it opened 4 new positions, sold out of 12, added to 47 and reduced 51. The biggest buy was iShares North American Natur (IGE, shares +14%) and the biggest sale an exit from NT Mstar GLBL NR ETF (GUNR).
- Most Recent 13F
- Q2 2026
- Location
- WELLSBORO, PA
- CIK
- 0000810958
- Portfolio Value
- $354.7M (Q1 2025)
- SEC Filing
- 0001104659-25-036924 ↗ filed Apr 21, 2025
Holdings Value
Holdings 118 stocks · $354.7M
| VONG Vanguard Russell 1000 Growth | 10.95% | 418,613 | $38.8M | Add +0.0% |
| IGE iShares North American Natur | 6.40% | 499,591 | $22.7M | Add +13.9% |
| FREL Fidelity MSCI RL Est Indx | 6.12% | 790,369 | $21.7M | Add +0.9% |
| IEMG iShares Core MSCI Emerging | 5.65% | 371,237 | $20.0M | Add +5.6% |
| IJH iShares Core S&P Midcap ETF | 4.78% | 290,628 | $17.0M | Add +16.3% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 4.20% | 291,195 | $14.9M | Add +3.8% |
| AAPL Apple Inc. | 3.72% | 59,330 | $13.2M | Reduce -1.8% |
| MSFT Microsoft Corp. | 3.38% | 31,921 | $12.0M | Reduce -2.1% |
| EMB iShares JP Morgan Usd Emergi | 3.26% | 127,591 | $11.6M | Reduce -0.7% |
| NVDA Nvidia Corp. | 2.90% | 94,945 | $10.3M | Add +3.9% |
| AMZN Amazon.com Inc. | 2.19% | 40,906 | $7.8M | Add +3.1% |
| GOOG Alphabet Inc. Class C | 1.91% | 43,435 | $6.8M | Reduce -6.6% |
| CZNC Citizens & Northern Corp. | 1.90% | 334,649 | $6.7M | Reduce -1.2% |
| CZFS Citizens Financial Services | 1.90% | 115,922 | $6.7M | No change |
| JPM JPMorgan Chase & Co. | 1.80% | 26,041 | $6.4M | Add +1.2% |
| DFAC Dimensional US Core Equity 2 | 1.51% | 161,912 | $5.3M | Reduce -1.0% |
| COST Costco Wholesale Corp. | 1.48% | 5,541 | $5.2M | Reduce -0.6% |
| META Meta Platforms Inc. Class A | 1.47% | 9,019 | $5.2M | Reduce -1.1% |
| MA Mastercard Inc. Class A | 1.27% | 8,231 | $4.5M | Add +0.7% |
| XOM Exxon Mobil Corp. | 0.96% | 28,638 | $3.4M | Add +0.1% |
| PG The Procter & Gamble Co. | 0.89% | 18,462 | $3.1M | Reduce -0.3% |
| MBB iShares MBS ETF | 0.88% | 33,290 | $3.1M | Reduce -1.2% |
| CMG Chipotle Mexican Grill Inc. | 0.81% | 57,560 | $2.9M | Reduce -0.1% |
| ABT Abbott Laboratories | 0.81% | 21,580 | $2.9M | Reduce -2.5% |
| HD Home Depot Inc. | 0.69% | 6,657 | $2.4M | Reduce -1.6% |
| CRM Salesforce Inc. | 0.67% | 8,913 | $2.4M | Reduce -1.4% |
| NSC Norfolk Southern Corp. | 0.63% | 9,498 | $2.2M | Add +0.3% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.61% | 17,670 | $2.2M | Reduce -1.1% |
| MDLZ Mondelez International Inc. Class A | 0.60% | 31,288 | $2.1M | Reduce -2.9% |
| CSCO Cisco Systems Inc. | 0.59% | 34,077 | $2.1M | Add +2.8% |
| ORCL Oracle Corp. | 0.59% | 14,933 | $2.1M | Reduce -2.0% |
| GD General Dynamics Corp. | 0.58% | 7,570 | $2.1M | Reduce -3.3% |
| AVDE Avantis International Equity | 0.58% | 30,955 | $2.1M | Reduce -0.8% |
| MRSH Marsh & McLennan Cos | 0.57% | 8,333 | $2.0M | Add +0.6% |
| COR Cencora Inc. | 0.57% | 7,285 | $2.0M | Reduce -0.9% |
| ADI Analog Devices Inc. | 0.57% | 9,970 | $2.0M | Add +0.2% |
| PANW Palo Alto Networks Inc. | 0.56% | 11,733 | $2.0M | Add +1.0% |
| AMT American Tower Corp. | 0.56% | 9,124 | $2.0M | Reduce -3.0% |
| HON Honeywell International Inc. | 0.55% | 9,183 | $1.9M | Reduce -0.1% |
| ICE Intercontinental Exchange Inc. | 0.53% | 10,994 | $1.9M | Reduce -0.3% |
| CVS CVS Health Corp. | 0.53% | 27,520 | $1.9M | Add +65.5% |
| BX Blackstone Inc. | 0.52% | 13,105 | $1.8M | Add +2.3% |
| SCHW Schwab (charles) Corp. | 0.49% | 22,196 | $1.7M | Add +3.4% |
| KO The Coca-Cola Co. | 0.49% | 24,081 | $1.7M | Reduce -1.4% |
| CMCSA Comcast Corp. Class A | 0.46% | 44,683 | $1.6M | Reduce -0.5% |
| GWW WW Grainger Inc. filed as GRAINGER W W INC | 0.45% | 1,606 | $1.6M | Reduce -2.6% |
| ACN Accenture PLC Class A | 0.45% | 5,059 | $1.6M | Add +4.3% |
| SLB SLB Ltd. filed as SCHLUMBERGER LTD | 0.44% | 37,648 | $1.6M | Add +6.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.44% | 2,793 | $1.6M | Reduce -2.7% |
| TFC Truist Financial Corp. | 0.44% | 37,743 | $1.6M | Add +3.2% |
| GSK GSK PLC-Spon ADR | 0.44% | 39,989 | $1.5M | Reduce -2.8% |
| ADBE Adobe Inc. | 0.42% | 3,927 | $1.5M | Reduce -1.3% |
| MAS Masco Corp. | 0.42% | 21,181 | $1.5M | Reduce -0.6% |
| CVX Chevron Corp. | 0.41% | 8,755 | $1.5M | Reduce -0.7% |
| MCD McDonald's Corp. | 0.41% | 4,677 | $1.5M | Reduce -5.8% |
| NOW ServiceNow Inc. | 0.40% | 1,802 | $1.4M | Add +6.4% |
| ZBH Zimmer Biomet Holdings Inc. | 0.40% | 12,616 | $1.4M | Reduce -1.5% |
| BLK BlackRock Inc. | 0.39% | 1,443 | $1.4M | Reduce -0.3% |
| UNP Union Pacific Corp. | 0.38% | 5,694 | $1.3M | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.36% | 12,876 | $1.3M | Add +9.7% |
| NEE Nextera Energy Inc. | 0.35% | 17,636 | $1.3M | Reduce -3.2% |
| ETN Eaton Corp. PLC | 0.35% | 4,523 | $1.2M | Add +9.0% |
| BMY Bristol-Myers Squibb Co. | 0.33% | 19,442 | $1.2M | Add +1.7% |
| FDX FedEx Corp. | 0.33% | 4,852 | $1.2M | Add +6.0% |
| EOG EOG Resources Inc. | 0.33% | 9,152 | $1.2M | Reduce -1.1% |
| BDX Becton Dickinson and Co. | 0.32% | 4,988 | $1.1M | Reduce -0.3% |
| BA The Boeing Co. | 0.32% | 6,600 | $1.1M | Add +7.3% |
| AVUS Avantis U.S. Equity ETF | 0.31% | 11,823 | $1.1M | No change |
| NKE Nike Inc. Class B | 0.31% | 17,190 | $1.1M | Reduce -2.4% |
| CDW CDW Corp. | 0.31% | 6,781 | $1.1M | Add +3.0% |
| BBWI Bath & Body Works Inc. | 0.30% | 35,453 | $1.1M | Add +4.9% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.30% | 2,543 | $1.1M | No change |
| BNDX Vanguard Total Intl Bond ETF | 0.30% | 21,702 | $1.1M | Add +1.1% |
| PYPL PayPal Holdings Inc. | 0.30% | 16,087 | $1.0M | Add +7.2% |
| AMD Advanced Micro Devices | 0.27% | 9,378 | $963K | Add +55.4% |
| PFE Pfizer Inc. | 0.26% | 37,001 | $938K | Add +1.0% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.26% | 1,750 | $932K | Add +0.9% |
| GLW Corning Inc. | 0.26% | 19,758 | $905K | Reduce -0.8% |
| DD Dupont DE Nemours Inc. | 0.24% | 11,531 | $861K | Add +0.4% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.24% | 31,407 | $856K | Reduce -10.6% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.23% | 3,271 | $813K | Reduce -27.5% |
| HAL Halliburton Co. | 0.23% | 31,801 | $807K | Add +5.0% |
| VIG Vanguard Dividend Apprec ETF | 0.23% | 4,118 | $799K | No change |
| IWF iShares Russell 1000 Growth | 0.22% | 2,116 | $764K | Reduce -12.7% |
| MCHP Microchip Technology Inc. | 0.21% | 15,199 | $736K | Add +51.6% |
| FCX Freeport-McMoran Inc. | 0.20% | 18,956 | $718K | Add +0.3% |
| VZ Verizon Communications Inc. | 0.20% | 15,743 | $714K | Reduce -1.9% |
| ROP Roper Technologies Inc. | 0.19% | 1,115 | $657K | No change |
| BIIB Biogen Inc. | 0.18% | 4,713 | $645K | Add +62.9% |
| SUB iShares Short-Term National | 0.18% | 5,929 | $626K | No change |
| TIP iShares Tips Bond ETF | 0.17% | 5,293 | $588K | Add +4.5% |
| IWD iShares Russell 1000 Value E | 0.16% | 2,967 | $558K | No change |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.15% | 6,837 | $539K | Reduce -3.1% |
| T AT&T Inc. | 0.14% | 17,603 | $498K | Reduce -16.2% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.14% | 2,784 | $498K | No change |
| DFIC Dimensional International Co. | 0.14% | 17,326 | $481K | No change |
| ITW Illinois Tool Works | 0.13% | 1,868 | $463K | Reduce -2.3% |
| JNJ Johnson & Johnson | 0.12% | 2,582 | $428K | Add +1.1% |
| DE Deere & Co. | 0.12% | 886 | $416K | No change |
| WMT Walmart Inc. | 0.12% | 4,667 | $410K | Add +1.2% |
Portfolio Sells Q4 2024 → Q1 2025
| GUNR NT Mstar GLBL NR ETF | Sold out | 0.00% | −0.56 |
| GOOG Alphabet Inc. Class C | Reduce -6.6% | 1.91% | −0.51 |
| AAPL Apple Inc. | Reduce -1.8% | 3.72% | −0.43 |
| MSFT Microsoft Corp. | Reduce -2.1% | 3.38% | −0.39 |
| IHF iShares U.S. Healthcare Prov | Sold out | 0.00% | −0.17 |
| CRM Salesforce Inc. | Reduce -1.4% | 0.67% | −0.15 |
| CMG Chipotle Mexican Grill Inc. | Reduce -0.1% | 0.81% | −0.14 |
| ORCL Oracle Corp. | Reduce -2.0% | 0.59% | −0.11 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.10 |
| ESG NT Stoxx US ESG ETF | Sold out | 0.00% | −0.09 |
| XNTK SS SPDR Nyse Tech ETF | Sold out | 0.00% | −0.08 |
| IBB iShares Biotechnology ETF | Sold out | 0.00% | −0.08 |
| SOXX iShares Semiconductor ETF | Sold out | 0.00% | −0.07 |
| CME Cme Group Inc. | Sold out | 0.00% | −0.07 |
| BNDC NT Core Bond ETF | Sold out | 0.00% | −0.07 |
| ROK Rockwell Automation Inc. | Sold out | 0.00% | −0.06 |
| ADBE Adobe Inc. | Reduce -1.3% | 0.42% | −0.06 |
| CBU Community Financial System I | Sold out | 0.00% | −0.06 |
| CMI Cummins Inc. | Sold out | 0.00% | −0.06 |
| NKE Nike Inc. Class B | Reduce -2.4% | 0.31% | −0.06 |
| IWF iShares Russell 1000 Growth | Reduce -12.7% | 0.22% | −0.05 |
| DFAC Dimensional US Core Equity 2 | Reduce -1.0% | 1.51% | −0.04 |
| IBM Intl Business Machines Corp. | Reduce -27.5% | 0.23% | −0.04 |
| HD Home Depot Inc. | Reduce -1.6% | 0.69% | −0.03 |
| GWW WW Grainger Inc. | Reduce -2.6% | 0.45% | −0.03 |
| BLK BlackRock Inc. | Reduce -0.3% | 0.39% | −0.02 |
| HON Honeywell International Inc. | Reduce -0.1% | 0.55% | −0.02 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -2.7% | 0.44% | −0.02 |
| AVEM Avantis Emerging Markets Eq | Reduce -15.9% | 0.10% | −0.01 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -10.6% | 0.24% | −0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -14.8% | 0.06% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -7.9% | 0.09% | −0.01 |
| MAS Masco Corp. | Reduce -0.6% | 0.42% | −0.01 |
| NEE Nextera Energy Inc. | Reduce -3.2% | 0.35% | −0.01 |
| GLW Corning Inc. | Reduce -0.8% | 0.26% | −0.00 |
| ITW Illinois Tool Works | Reduce -2.3% | 0.13% | −0.00 |
| LLY Eli Lilly & Co. | Reduce -10.4% | 0.08% | −0.00 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Reduce -3.1% | 0.15% | 0.00 |
| PGR Progressive Corp. | Reduce -17.0% | 0.06% | +0.00 |
| CMCSA Comcast Corp. Class A | Reduce -0.5% | 0.46% | +0.00 |
| META Meta Platforms Inc. Class A | Reduce -1.1% | 1.47% | +0.00 |
| T AT&T Inc. | Reduce -16.2% | 0.14% | +0.01 |
| BDX Becton Dickinson and Co. | Reduce -0.3% | 0.32% | +0.01 |
| TJX TJX Companies Inc. | Reduce -1.1% | 0.61% | +0.02 |
| GD General Dynamics Corp. | Reduce -3.3% | 0.58% | +0.02 |
| MCD McDonald's Corp. | Reduce -5.8% | 0.41% | +0.02 |
| EOG EOG Resources Inc. | Reduce -1.1% | 0.33% | +0.02 |
| VZ Verizon Communications Inc. | Reduce -1.9% | 0.20% | +0.03 |
| ZBH Zimmer Biomet Holdings Inc. | Reduce -1.5% | 0.40% | +0.03 |
| MBB iShares MBS ETF | Reduce -1.2% | 0.88% | +0.03 |
Portfolio Buys Q4 2024 → Q1 2025
| IGE iShares North American Natur | Add +13.9% | 6.40% | +1.27 |
| IEMG iShares Core MSCI Emerging | Add +5.6% | 5.65% | +0.62 |
| IJH iShares Core S&P Midcap ETF | Add +16.3% | 4.78% | +0.51 |
| FREL Fidelity MSCI RL Est Indx | Add +0.9% | 6.12% | +0.33 |
| CVS CVS Health Corp. | Add +65.5% | 0.53% | +0.32 |
| XOM Exxon Mobil Corp. | Add +0.1% | 0.96% | +0.12 |
| JPM JPMorgan Chase & Co. | Add +1.2% | 1.80% | +0.11 |
| MA Mastercard Inc. Class A | Add +0.7% | 1.27% | +0.09 |
| MRSH Marsh & McLennan Cos | Add +0.6% | 0.57% | +0.09 |
| SLB SLB Ltd. | Add +6.8% | 0.44% | +0.07 |
| AMD Advanced Micro Devices | Add +55.4% | 0.27% | +0.07 |
| BIIB Biogen Inc. | Add +62.9% | 0.18% | +0.06 |
| AZN Astrazeneca PLC-Spons ADR | New | 0.06% | +0.06 |
| FDS Factset Research Systems Inc. | New | 0.06% | +0.06 |
| VNQ Vanguard Real Estate ETF | New | 0.06% | +0.06 |
| DFEM Dimensional Emrg MRKT Core | New | 0.06% | +0.06 |
| CSCO Cisco Systems Inc. | Add +2.8% | 0.59% | +0.06 |
| SCHW Schwab (charles) Corp. | Add +3.4% | 0.49% | +0.05 |
| MCHP Microchip Technology Inc. | Add +51.6% | 0.21% | +0.05 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.9% | 0.26% | +0.05 |
| BMY Bristol-Myers Squibb Co. | Add +1.7% | 0.33% | +0.04 |
| NSC Norfolk Southern Corp. | Add +0.3% | 0.63% | +0.03 |
| JNJ Johnson & Johnson | Add +1.1% | 0.12% | +0.02 |
| BA The Boeing Co. | Add +7.3% | 0.32% | +0.02 |
| TIP iShares Tips Bond ETF | Add +4.5% | 0.17% | +0.02 |
| DGX Quest Diagnostics Inc. | Add +5.2% | 0.08% | +0.01 |
| V Visa Inc. Class A | Add +1.6% | 0.08% | +0.01 |
| BNDX Vanguard Total Intl Bond ETF | Add +1.1% | 0.30% | +0.01 |
| FCX Freeport-McMoran Inc. | Add +0.3% | 0.20% | +0.01 |
| TFC Truist Financial Corp. | Add +3.2% | 0.44% | +0.00 |
| DD Dupont DE Nemours Inc. | Add +0.4% | 0.24% | +0.00 |
| HAL Halliburton Co. | Add +5.0% | 0.23% | +0.00 |
| WMT Walmart Inc. | Add +1.2% | 0.12% | +0.00 |
| DIS The Walt Disney Co. | Add +9.7% | 0.36% | +0.00 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +3.8% | 4.20% | −0.00 |
| PFE Pfizer Inc. | Add +1.0% | 0.26% | −0.00 |
| CAT Caterpillar Inc. | Add +0.8% | 0.09% | −0.01 |
| CDW CDW Corp. | Add +3.0% | 0.31% | −0.01 |
| ADI Analog Devices Inc. | Add +0.2% | 0.57% | −0.01 |
| PANW Palo Alto Networks Inc. | Add +1.0% | 0.56% | −0.01 |
| AVGO Broadcom Inc. | Add +5.3% | 0.06% | −0.02 |
| FDX FedEx Corp. | Add +6.0% | 0.33% | −0.02 |
| ACN Accenture PLC Class A | Add +4.3% | 0.45% | −0.02 |
| ETN Eaton Corp. PLC | Add +9.0% | 0.35% | −0.03 |
| PYPL PayPal Holdings Inc. | Add +7.2% | 0.30% | −0.06 |
| BBWI Bath & Body Works Inc. | Add +4.9% | 0.30% | −0.06 |
| NOW ServiceNow Inc. | Add +6.4% | 0.40% | −0.09 |
| BX Blackstone Inc. | Add +2.3% | 0.52% | −0.09 |
| AMZN Amazon.com Inc. | Add +3.1% | 2.19% | −0.19 |
| NVDA Nvidia Corp. | Add +3.9% | 2.90% | −0.46 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 117 | $437.7M | VONG, IEMG, FREL, IGE, IJH |
| Q1 2026 | 119 | $401.0M | VONG, FREL, IGE, IEMG, IJH |
| Q4 2025 | 124 | $403.6M | VONG, FREL, IGE, IEMG, IJH |
| Q3 2025 | 121 | $403.5M | VONG, IGE, IEMG, FREL, IJH |
| Q2 2025 | 118 | $373.7M | VONG, FREL, IGE, IEMG, IJH |
| Q1 2025 | 118 | $354.7M | VONG, IGE, FREL, IEMG, IJH |
| Q4 2024 | 126 | $365.1M | VONG, FREL, IGE, IEMG, IJH |
| Q3 2024 | 126 | $333.1M | VONG, FREL, GUNR, IJH, SPMD |
| Q2 2024 | 118 | $319.7M | VONG, GUNR, FREL, SPMD, MSFT |
| Q1 2024 | 109 | $295.7M | VONG, GUNR, FREL, SPMD, MSFT |