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

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 Q4 2024 Q1 2025: $354.7M $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 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%
AVEM Avantis Emerging Markets Eq 0.10% 6,023 $362K Reduce -15.9%
NFG National Fuel Gas Co. 0.09% 4,012 $318K No change
CAT Caterpillar Inc. 0.09% 932 $307K Add +0.8%
IVV iShares Core S&P 500 ETF 0.09% 539 $303K Reduce -7.9%
DGX Quest Diagnostics Inc. 0.08% 1,689 $286K Add +5.2%
LLY Eli Lilly & Co. 0.08% 335 $277K Reduce -10.4%
V Visa Inc. Class A 0.08% 775 $272K Add +1.6%
LOW Lowe's Cos Inc. 0.07% 1,126 $263K No change
VT Vanguard Tot World STK ETF 0.07% 2,000 $232K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.06% 4,612 $229K Reduce -14.8%
PGR Progressive Corp. 0.06% 768 $217K Reduce -17.0%
AZN Astrazeneca PLC-Spons ADR 0.06% 2,901 $213K New
AVGO Broadcom Inc. 0.06% 1,263 $211K Add +5.3%
VNQ Vanguard Real Estate ETF 0.06% 2,226 $202K New
FDS Factset Research Systems Inc. 0.06% 443 $201K New
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.06% 650 $201K No change
DFEM Dimensional Emrg MRKT Core 0.06% 7,560 $200K New
F Ford Motor Co. filed as FORD MTR CO 0.04% 12,373 $124K No change

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

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