Citizens & Northern Corp.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 28, 2026), Citizens & Northern Corp. reported 124 stock positions worth $403.6 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 11.1% of the portfolio, followed by Fidelity MSCI RL Est Indx (FREL, 7.2%) and iShares North American Natur (IGE, 6.1%). Compared with Q3 2025, it opened 9 new positions, sold out of 6, added to 33 and reduced 68. The biggest buy was Fidelity MSCI RL Est Indx (FREL, shares +32%) and the biggest sale Vanguard Russell 1000 Growth (VONG, shares −7%).
- Most Recent 13F
- Q2 2026
- Location
- WELLSBORO, PA
- CIK
- 0000810958
- Portfolio Value
- $403.6M (Q4 2025)
- SEC Filing
- 0001104659-26-007427 ↗ filed Jan 28, 2026
Holdings Value
Holdings 124 stocks · $403.6M
| VONG Vanguard Russell 1000 Growth | 11.09% | 367,716 | $44.8M | Reduce -7.3% |
| FREL Fidelity MSCI RL Est Indx | 7.24% | 1,087,071 | $29.2M | Add +32.2% |
| IGE iShares North American Natur | 6.13% | 492,536 | $24.7M | Reduce -0.6% |
| IEMG iShares Core MSCI Emerging | 5.52% | 331,668 | $22.3M | Reduce -7.0% |
| IJH iShares Core S&P Midcap ETF | 4.23% | 258,672 | $17.1M | Add +0.1% |
| NVDA Nvidia Corp. | 3.78% | 81,880 | $15.3M | Reduce -7.0% |
| AAPL Apple Inc. | 3.59% | 53,237 | $14.5M | Reduce -8.0% |
| MSFT Microsoft Corp. | 3.39% | 28,309 | $13.7M | Reduce -9.4% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 3.38% | 235,643 | $13.6M | Add +1.4% |
| EMB iShares JP Morgan Usd Emergi | 3.15% | 132,225 | $12.7M | Add +1.2% |
| GOOG Alphabet Inc. Class C | 3.15% | 40,453 | $12.7M | Reduce -10.5% |
| DFAC Dimensional US Core Equity 2 | 2.34% | 238,023 | $9.4M | Add +2.4% |
| AMZN Amazon.com Inc. | 2.16% | 37,712 | $8.7M | Reduce -5.7% |
| CZNC Citizens & Northern Corp. | 1.81% | 361,412 | $7.3M | Add +12.6% |
| CZFS Citizens Financial Services | 1.65% | 117,063 | $6.7M | Reduce -0.0% |
| JPM JPMorgan Chase & Co. | 1.60% | 20,091 | $6.5M | Reduce -18.6% |
| META Meta Platforms Inc. Class A | 1.44% | 8,780 | $5.8M | Add +0.8% |
| AVDE Avantis International Equity | 1.12% | 54,809 | $4.5M | Add +7.3% |
| MA Mastercard Inc. Class A | 1.11% | 7,877 | $4.5M | Reduce -3.7% |
| COST Costco Wholesale Corp. | 0.93% | 4,373 | $3.8M | Reduce -4.8% |
| AMD Advanced Micro Devices | 0.84% | 15,877 | $3.4M | Reduce -0.7% |
| MBB iShares MBS ETF | 0.83% | 35,349 | $3.4M | Add +2.8% |
| XOM Exxon Mobil Corp. | 0.79% | 26,338 | $3.2M | Reduce -4.4% |
| ORCL Oracle Corp. | 0.70% | 14,504 | $2.8M | Add +0.1% |
| PG The Procter & Gamble Co. | 0.66% | 18,566 | $2.7M | Reduce -1.0% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.64% | 16,856 | $2.6M | Reduce -3.4% |
| ABT Abbott Laboratories | 0.64% | 20,562 | $2.6M | Reduce -6.0% |
| RTX RTX Corp. | 0.63% | 13,774 | $2.5M | Add +22.2% |
| CSCO Cisco Systems Inc. | 0.62% | 32,735 | $2.5M | Reduce -3.8% |
| ADI Analog Devices Inc. | 0.62% | 9,288 | $2.5M | Add +30.5% |
| CAT Caterpillar Inc. | 0.60% | 4,214 | $2.4M | Add +272.9% |
| COR Cencora Inc. | 0.59% | 7,045 | $2.4M | Reduce -5.5% |
| BX Blackstone Inc. | 0.58% | 15,280 | $2.4M | Reduce -2.1% |
| AVGO Broadcom Inc. | 0.58% | 6,719 | $2.3M | Add +3.0% |
| CRM Salesforce Inc. | 0.56% | 8,467 | $2.2M | Reduce -4.3% |
| CVS CVS Health Corp. | 0.53% | 26,828 | $2.1M | Reduce -5.0% |
| SCHW Schwab (charles) Corp. | 0.53% | 21,271 | $2.1M | Reduce -3.7% |
| NSC Norfolk Southern Corp. | 0.49% | 6,836 | $2.0M | Reduce -28.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.49% | 2,877 | $2.0M | Add +3.0% |
| BA The Boeing Co. | 0.48% | 8,980 | $1.9M | Add +41.8% |
| GSK GSK PLC-Spon ADR | 0.48% | 39,595 | $1.9M | Reduce -4.7% |
| HD Home Depot Inc. | 0.48% | 5,601 | $1.9M | Reduce -14.9% |
| GLW Corning Inc. | 0.47% | 21,734 | $1.9M | Add +10.6% |
| GD General Dynamics Corp. | 0.45% | 5,408 | $1.8M | Reduce -28.3% |
| KKR KKR & Co. Inc. | 0.45% | 14,168 | $1.8M | New |
| JNJ Johnson & Johnson | 0.42% | 8,196 | $1.7M | Reduce -0.6% |
| KO The Coca-Cola Co. | 0.41% | 23,393 | $1.6M | Reduce -4.3% |
| C Citigroup Inc. | 0.40% | 13,930 | $1.6M | New |
| PYPL PayPal Holdings Inc. | 0.40% | 27,351 | $1.6M | Add +23.2% |
| AMT American Tower Corp. | 0.39% | 9,061 | $1.6M | Reduce -3.1% |
| AVUS Avantis U.S. Equity ETF | 0.38% | 13,829 | $1.5M | No change |
| ACN Accenture PLC Class A | 0.37% | 5,588 | $1.5M | Reduce -2.4% |
| NFLX Netflix Inc. | 0.36% | 15,633 | $1.5M | New |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.36% | 12,788 | $1.5M | Reduce -2.6% |
| ETN Eaton Corp. PLC | 0.36% | 4,507 | $1.4M | Reduce -1.6% |
| CMG Chipotle Mexican Grill Inc. | 0.35% | 38,035 | $1.4M | Reduce -21.0% |
| NOW ServiceNow Inc. | 0.35% | 9,127 | $1.4M | Reduce -1.6% |
| NEE Nextera Energy Inc. | 0.34% | 17,340 | $1.4M | Reduce -4.2% |
| PANW Palo Alto Networks Inc. | 0.34% | 7,509 | $1.4M | Reduce -2.7% |
| ICE Intercontinental Exchange Inc. | 0.33% | 8,324 | $1.3M | Reduce -3.3% |
| ADBE Adobe Inc. | 0.33% | 3,840 | $1.3M | Reduce -5.5% |
| SLB SLB Ltd. filed as SLB LIMITED | 0.33% | 34,819 | $1.3M | Reduce -3.9% |
| EMR Emerson Electric Co. | 0.33% | 9,993 | $1.3M | New |
| INTU Intuit Inc. | 0.33% | 2,001 | $1.3M | New |
| MDLZ Mondelez International Inc. Class A | 0.32% | 24,204 | $1.3M | Reduce -23.3% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.30% | 2,543 | $1.2M | No change |
| BIIB Biogen Inc. | 0.30% | 6,912 | $1.2M | Reduce -1.2% |
| MRSH Marsh & McLennan Cos | 0.30% | 6,509 | $1.2M | Reduce -3.3% |
| PFE Pfizer Inc. | 0.30% | 47,977 | $1.2M | Reduce -3.6% |
| CVX Chevron Corp. | 0.29% | 7,716 | $1.2M | Reduce -1.6% |
| UNP Union Pacific Corp. | 0.29% | 5,044 | $1.2M | No change |
| BNDX Vanguard Total Intl Bond ETF | 0.29% | 24,121 | $1.2M | Add +6.7% |
| EOG EOG Resources Inc. | 0.28% | 10,726 | $1.1M | Add +19.9% |
| NKE Nike Inc. Class B | 0.27% | 17,005 | $1.1M | Add +1.2% |
| TPR Tapestry Inc. | 0.27% | 8,383 | $1.1M | New |
| IWF iShares Russell 1000 Growth | 0.26% | 2,254 | $1.1M | Add +5.5% |
| CARR Carrier Global Corp. | 0.26% | 19,638 | $1.0M | Reduce -2.8% |
| BMY Bristol-Myers Squibb Co. | 0.25% | 19,051 | $1.0M | Reduce -2.8% |
| MCD McDonald's Corp. | 0.23% | 3,090 | $944K | Reduce -2.6% |
| FCX Freeport-McMoran Inc. | 0.23% | 17,999 | $914K | Reduce -1.2% |
| DD Dupont DE Nemours Inc. | 0.22% | 22,119 | $889K | Add +92.8% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.22% | 10,822 | $873K | Add +54.2% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.21% | 2,832 | $839K | Reduce -0.9% |
| BDX Becton Dickinson and Co. | 0.20% | 4,235 | $822K | Reduce -37.3% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.20% | 30,396 | $805K | No change |
| SPTS SS SPDR P St Term TSY ETF | 0.20% | 26,935 | $789K | Add +32.7% |
| AVEM Avantis Emerging Markets Eq | 0.19% | 10,143 | $781K | No change |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.18% | 3,642 | $734K | Add +7.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.18% | 1,456 | $732K | Reduce -4.5% |
| ZBH Zimmer Biomet Holdings Inc. | 0.18% | 8,080 | $727K | Reduce -37.1% |
| IWD iShares Russell 1000 Value E | 0.16% | 3,029 | $637K | Add +7.5% |
| SUB iShares Short-Term National | 0.16% | 5,929 | $633K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.16% | 2,866 | $630K | Reduce -28.4% |
| VZ Verizon Communications Inc. | 0.15% | 15,240 | $621K | Reduce -8.4% |
| DFIC Dimensional International Co. | 0.15% | 17,326 | $597K | No change |
| TIP iShares Tips Bond ETF | 0.15% | 5,404 | $594K | Add +5.3% |
| ROP Roper Technologies Inc. | 0.12% | 1,115 | $496K | No change |
| ITW Illinois Tool Works | 0.12% | 1,898 | $467K | Add +1.2% |
| BBWI Bath & Body Works Inc. | 0.11% | 21,871 | $439K | Reduce -38.5% |
| DFEM Dimensional Emrg MRKT Core | 0.11% | 12,833 | $425K | Add +17.5% |
Portfolio Sells Q3 2025 → Q4 2025
| VONG Vanguard Russell 1000 Growth | Reduce -7.3% | 11.09% | −0.75 |
| MSFT Microsoft Corp. | Reduce -9.4% | 3.39% | −0.62 |
| HON Honeywell International Inc. | Reduce -79.8% | 0.09% | −0.39 |
| TFC Truist Financial Corp. | Reduce -86.2% | 0.06% | −0.33 |
| JPM JPMorgan Chase & Co. | Reduce -18.6% | 1.60% | −0.32 |
| BLK BlackRock Inc. | Reduce -83.1% | 0.06% | −0.32 |
| IEMG iShares Core MSCI Emerging | Reduce -7.0% | 5.52% | −0.30 |
| NVDA Nvidia Corp. | Reduce -7.0% | 3.78% | −0.29 |
| CMCSA Comcast Corp. Class A | Reduce -75.6% | 0.08% | −0.27 |
| FDX FedEx Corp. | Sold out | 0.00% | −0.26 |
| CDW CDW Corp. | Sold out | 0.00% | −0.24 |
| NSC Norfolk Southern Corp. | Reduce -28.4% | 0.49% | −0.22 |
| GD General Dynamics Corp. | Reduce -28.3% | 0.45% | −0.19 |
| HD Home Depot Inc. | Reduce -14.9% | 0.48% | −0.18 |
| MDLZ Mondelez International Inc. Class A | Reduce -23.3% | 0.32% | −0.17 |
| ZBH Zimmer Biomet Holdings Inc. | Reduce -37.1% | 0.18% | −0.13 |
| COST Costco Wholesale Corp. | Reduce -4.8% | 0.93% | −0.12 |
| CMG Chipotle Mexican Grill Inc. | Reduce -21.0% | 0.35% | −0.12 |
| BBWI Bath & Body Works Inc. | Reduce -38.5% | 0.11% | −0.12 |
| HAL Halliburton Co. | Reduce -70.5% | 0.06% | −0.11 |
| BDX Becton Dickinson and Co. | Reduce -37.3% | 0.20% | −0.11 |
| CZFS Citizens Financial Services | Reduce -0.0% | 1.65% | −0.09 |
| ABT Abbott Laboratories | Reduce -6.0% | 0.64% | −0.09 |
| BX Blackstone Inc. | Reduce -2.1% | 0.58% | −0.08 |
| NOW ServiceNow Inc. | Reduce -1.6% | 0.35% | −0.08 |
| WMT Walmart Inc. | Sold out | 0.00% | −0.07 |
| ETN Eaton Corp. PLC | Reduce -1.6% | 0.36% | −0.07 |
| AAPL Apple Inc. | Reduce -8.0% | 3.59% | −0.07 |
| VIG Vanguard Dividend Apprec ETF | Reduce -28.4% | 0.16% | −0.06 |
| PG The Procter & Gamble Co. | Reduce -1.0% | 0.66% | −0.05 |
| AMT American Tower Corp. | Reduce -3.1% | 0.39% | −0.05 |
| SYY Sysco Corp. | Sold out | 0.00% | −0.05 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Sold out | 0.00% | −0.05 |
| PANW Palo Alto Networks Inc. | Reduce -2.7% | 0.34% | −0.05 |
| CARR Carrier Global Corp. | Reduce -2.8% | 0.26% | −0.04 |
| MA Mastercard Inc. Class A | Reduce -3.7% | 1.11% | −0.04 |
| MRSH Marsh & McLennan Cos | Reduce -3.3% | 0.30% | −0.04 |
| F Ford Motor Co. | Sold out | 0.00% | −0.04 |
| VZ Verizon Communications Inc. | Reduce -8.4% | 0.15% | −0.03 |
| ICE Intercontinental Exchange Inc. | Reduce -3.3% | 0.33% | −0.03 |
| ADBE Adobe Inc. | Reduce -5.5% | 0.33% | −0.02 |
| AMZN Amazon.com Inc. | Reduce -5.7% | 2.16% | −0.02 |
| PFE Pfizer Inc. | Reduce -3.6% | 0.30% | −0.02 |
| DIS The Walt Disney Co. | Reduce -2.6% | 0.36% | −0.01 |
| CVX Chevron Corp. | Reduce -1.6% | 0.29% | −0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.5% | 0.18% | −0.01 |
| DGX Quest Diagnostics Inc. | Reduce -1.5% | 0.07% | −0.01 |
| MCD McDonald's Corp. | Reduce -2.6% | 0.23% | −0.00 |
| LOW Lowe's Cos Inc. | Reduce -1.9% | 0.07% | −0.00 |
| GWW WW Grainger Inc. | Reduce -8.2% | 0.06% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| FREL Fidelity MSCI RL Est Indx | Add +32.2% | 7.24% | +1.58 |
| CAT Caterpillar Inc. | Add +272.9% | 0.60% | +0.46 |
| KKR KKR & Co. Inc. | New | 0.45% | +0.45 |
| C Citigroup Inc. | New | 0.40% | +0.40 |
| NFLX Netflix Inc. | New | 0.36% | +0.36 |
| EMR Emerson Electric Co. | New | 0.33% | +0.33 |
| INTU Intuit Inc. | New | 0.33% | +0.33 |
| TPR Tapestry Inc. | New | 0.27% | +0.27 |
| CZNC Citizens & Northern Corp. | Add +12.6% | 1.81% | +0.23 |
| ADI Analog Devices Inc. | Add +30.5% | 0.62% | +0.19 |
| RTX RTX Corp. | Add +22.2% | 0.63% | +0.16 |
| BA The Boeing Co. | Add +41.8% | 0.48% | +0.14 |
| AVDE Avantis International Equity | Add +7.3% | 1.12% | +0.12 |
| DFAC Dimensional US Core Equity 2 | Add +2.4% | 2.34% | +0.11 |
| XLV SS Health Care Select Sector | New | 0.10% | +0.10 |
| IHI iShares U.S. Medical Devices | New | 0.10% | +0.10 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +1.4% | 3.38% | +0.09 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +54.2% | 0.22% | +0.07 |
| EMB iShares JP Morgan Usd Emergi | Add +1.2% | 3.15% | +0.07 |
| GLW Corning Inc. | Add +10.6% | 0.47% | +0.07 |
| XLY SS Consumer Disc Select Sect | New | 0.07% | +0.07 |
| IJH iShares Core S&P Midcap ETF | Add +0.1% | 4.23% | +0.05 |
| SPTS SS SPDR P St Term TSY ETF | Add +32.7% | 0.20% | +0.05 |
| AVGO Broadcom Inc. | Add +3.0% | 0.58% | +0.04 |
| LLY Eli Lilly & Co. | Add +11.7% | 0.08% | +0.03 |
| EOG EOG Resources Inc. | Add +19.9% | 0.28% | +0.03 |
| PYPL PayPal Holdings Inc. | Add +23.2% | 0.40% | +0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +3.0% | 0.49% | +0.03 |
| MBB iShares MBS ETF | Add +2.8% | 0.83% | +0.02 |
| DFEM Dimensional Emrg MRKT Core | Add +17.5% | 0.11% | +0.02 |
| IWF iShares Russell 1000 Growth | Add +5.5% | 0.26% | +0.02 |
| MTB M & T Bank Corp. | Add +7.6% | 0.18% | +0.02 |
| IWD iShares Russell 1000 Value E | Add +7.5% | 0.16% | +0.02 |
| BNDX Vanguard Total Intl Bond ETF | Add +6.7% | 0.29% | +0.01 |
| IVV iShares Core S&P 500 ETF | Add +7.4% | 0.09% | +0.01 |
| TIP iShares Tips Bond ETF | Add +5.3% | 0.15% | +0.01 |
| PGR Progressive Corp. | Add +7.8% | 0.05% | −0.00 |
| DD Dupont DE Nemours Inc. | Add +92.8% | 0.22% | −0.00 |
| ITW Illinois Tool Works | Add +1.2% | 0.12% | −0.01 |
| NKE Nike Inc. Class B | Add +1.2% | 0.27% | −0.02 |
| META Meta Platforms Inc. Class A | Add +0.8% | 1.44% | −0.15 |
| ORCL Oracle Corp. | Add +0.1% | 0.70% | −0.31 |
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 |