Citizens & Northern Top Holdings and 13F Report (2025)

About Citizens & Northern

Citizens & Northern NASDAQ: CZNC has filed 13-F forms with the SEC as an investor. Citizens & Northern is itself a publicly traded company. For more information on Citizens & Northern stock, visit the Citizens & Northern stock profile here.

Investment Activity

Citizens & Northern has $373.65 million in total holdings as of June 30, 2025.
Citizens & Northern owns shares of 118 different stocks, but just 39 companies or ETFs make up 80% of its holdings.
Approximately 3.17% of the portfolio was purchased this quarter.
About 5.66% of the portfolio was sold this quarter.
This quarter, Citizens & Northern has purchased 118 new stocks and bought additional shares in 42 stocks.
Citizens & Northern sold shares of 57 stocks and completely divested from 6 stocks this quarter.

Largest Holdings

Vanguard Russell 1000 Growth ETF: $43,570,691
Fidelity MSCI Real Estate Index ETF: $22,173,097
iShares North American Natural Resources ETF: $21,909,237
iShares Core MSCI Emerging Markets ETF: $21,454,242
iShares Core S&P Mid-Cap ETF: $16,044,574

Largest New Holdings this Quarter

75513E101 - RTX: $1,662,146 Holding
14448C104 - Carrier Global: $1,467,899 Holding
78468R101 - SPDR Portfolio Short Term Treasury ETF: $554,313 Holding
33939L670 - FlexShares Core Select Bond Fund: $244,317 Holding
773903109 - Rockwell Automation: $221,225 Holding

Largest Purchases this Quarter

RTX: 11,383 shares (about $1.66M)
Broadcom: 5,549 shares (about $1.53M)
Carrier Global: 20,056 shares (about $1.47M)
Advanced Micro Devices: 6,869 shares (about $974.71K)
Johnson & Johnson: 5,954 shares (about $909.47K)

Largest Sales this Quarter

SPDR Portfolio S&P 400 Mid Cap ETF: 58,989 shares (about $3.21M)
Vanguard Russell 1000 Growth ETF: 19,614 shares (about $2.14M)
iShares Core S&P Mid-Cap ETF: 31,928 shares (about $1.98M)
W.W. Grainger: 1,325 shares (about $1.38M)
NVIDIA: 6,888 shares (about $1.09M)

Sector Allocation Over Time

Selling

Neutral

Buying

Latest 13F Holdings and Changes Since Previous Quarterly Filing

Issuer Name	Holdings Value	Approximate Purchase/Sale	Change in Shares	Shares Held	% of Portfolio	Sector
VONG Vanguard Russell 1000 Growth ETF	$43,570,691	$2,141,849 ▼	-4.7%	398,999	11.7%	ETF
FREL Fidelity MSCI Real Estate Index ETF	$22,173,097	$801,520 ▲	3.8%	820,011	5.9%	ETF
IGE iShares North American Natural Resources ETF	$21,909,237	$197,665 ▼	-0.9%	495,124	5.9%	ETF
IEMG iShares Core MSCI Emerging Markets ETF	$21,454,242	$831,115 ▼	-3.7%	357,392	5.7%	ETF
IJH iShares Core S&P Mid-Cap ETF	$16,044,574	$1,980,175 ▼	-11.0%	258,700	4.3%	ETF
MSFT Microsoft	$15,631,109	$246,715 ▼	-1.6%	31,425	4.2%	Computer and Technology
NVDA NVIDIA	$13,912,125	$1,088,235 ▼	-7.3%	88,057	3.7%	Computer and Technology
SPMD SPDR Portfolio S&P 400 Mid Cap ETF	$12,627,362	$3,207,822 ▼	-20.3%	232,206	3.4%	ETF
EMB iShares J.P. Morgan USD Emerging Markets Bond ETF	$12,036,988	$219,509 ▲	1.9%	129,961	3.2%	ETF
AAPL Apple	$11,933,508	$239,228 ▼	-2.0%	58,164	3.2%	Computer and Technology
AMZN Amazon.com	$8,796,223	$178,145 ▼	-2.0%	40,094	2.4%	Retail/Wholesale
GOOG Alphabet	$7,943,702	$238,767 ▲	3.1%	44,781	2.1%	Computer and Technology
JPM JPMorgan Chase & Co.	$7,219,049	$330,497 ▼	-4.4%	24,901	1.9%	Finance
CZFS Citizens Financial Services	$6,875,009	$68,057 ▲	1.0%	117,081	1.8%	Finance
META Meta Platforms	$6,363,074	$293,760 ▼	-4.4%	8,621	1.7%	Computer and Technology
CZNC Citizens & Northern	$6,120,481	$217,772 ▼	-3.4%	323,151	1.6%	Finance
DFAC Dimensional U.S. Core Equity 2 ETF	$5,777,802	$25,124 ▼	-0.4%	161,211	1.5%	ETF
MA Mastercard	$4,589,926	$35,402 ▼	-0.8%	8,168	1.2%	Business Services
COST Costco Wholesale	$4,534,915	$950,342 ▼	-17.3%	4,581	1.2%	Retail/Wholesale
MBB iShares MBS ETF	$3,227,938	$102,340 ▲	3.3%	34,380	0.9%	ETF
ORCL Oracle	$3,159,641	$105,161 ▼	-3.2%	14,452	0.8%	Computer and Technology
PG Procter & Gamble	$2,988,684	$47,318 ▲	1.6%	18,759	0.8%	Consumer Staples
XOM Exxon Mobil	$2,975,064	$112,112 ▼	-3.6%	27,598	0.8%	Energy
ABT Abbott Laboratories	$2,964,474	$29,378 ▲	1.0%	21,796	0.8%	Medical
CMG Chipotle Mexican Grill	$2,722,882	$509,112 ▼	-15.8%	48,493	0.7%	Retail/Wholesale
NSC Norfolk Southern	$2,435,043	$3,840 ▲	0.2%	9,513	0.7%	Transportation
HD Home Depot	$2,409,558	$31,164 ▼	-1.3%	6,572	0.6%	Retail/Wholesale
CRM Salesforce	$2,405,398	$25,087 ▼	-1.0%	8,821	0.6%	Computer and Technology
CSCO Cisco Systems	$2,358,226	$6,036 ▼	-0.3%	33,990	0.6%	Computer and Technology
BX Blackstone	$2,334,495	$374,249 ▲	19.1%	15,607	0.6%	Finance
AMD Advanced Micro Devices	$2,305,449	$974,711 ▲	73.2%	16,247	0.6%	Computer and Technology
AVDE Avantis International Equity ETF	$2,284,911	$6,069 ▼	-0.3%	30,873	0.6%	ETF
COR Cencora	$2,231,184	$46,777 ▲	2.1%	7,441	0.6%	Medical
GD General Dynamics	$2,230,032	$22,166 ▲	1.0%	7,646	0.6%	Aerospace
TJX TJX Companies	$2,159,099	$22,969 ▼	-1.1%	17,484	0.6%	Retail/Wholesale
MDLZ Mondelez International	$2,158,822	$48,759 ▲	2.3%	32,011	0.6%	Consumer Staples
HON Honeywell International	$2,122,934	$15,603 ▼	-0.7%	9,116	0.6%	Multi-Sector Conglomerates
AMT American Tower	$2,055,928	$39,342 ▲	2.0%	9,302	0.6%	Finance
SCHW Charles Schwab	$2,002,171	$22,992 ▼	-1.1%	21,944	0.5%	Finance
CVS CVS Health	$1,953,790	$55,460 ▲	2.9%	28,324	0.5%	Medical
NOW ServiceNow	$1,905,032	$52,432 ▲	2.8%	1,853	0.5%	Computer and Technology
AVGO Broadcom	$1,877,728	$1,529,582 ▲	439.4%	6,812	0.5%	Computer and Technology
SPY SPDR S&P 500 ETF Trust	$1,725,655		0.0%	2,793	0.5%	Finance
KO CocaCola	$1,725,380	$21,649 ▲	1.3%	24,387	0.5%	Consumer Staples
ADI Analog Devices	$1,675,423	$697,637 ▼	-29.4%	7,039	0.4%	Computer and Technology
RTX RTX	$1,662,146	$1,662,146 ▲	New Holding	11,383	0.4%	Aerospace
PYPL PayPal	$1,621,068	$425,482 ▲	35.6%	21,812	0.4%	Business Services
ETN Eaton	$1,617,165	$2,499 ▲	0.2%	4,530	0.4%	Industrials
DIS Walt Disney	$1,616,098	$19,346 ▲	1.2%	13,032	0.4%	Consumer Discretionary
CMCSA Comcast	$1,602,481	$7,745 ▲	0.5%	44,900	0.4%	Consumer Discretionary
GSK GSK	$1,591,142	$55,565 ▲	3.6%	41,436	0.4%	Medical
PANW Palo Alto Networks	$1,586,369	$814,672 ▼	-33.9%	7,752	0.4%	Computer and Technology
ACN Accenture	$1,578,139	$66,055 ▲	4.4%	5,280	0.4%	Computer and Technology
ICE Intercontinental Exchange	$1,575,090	$441,979 ▼	-21.9%	8,585	0.4%	Finance
ADBE Adobe	$1,573,054	$53,776 ▲	3.5%	4,066	0.4%	Computer and Technology
TFC Truist Financial	$1,568,103	$54,468 ▼	-3.4%	36,476	0.4%	Finance
Blackrock Funding Inc	$1,471,049	$43,019 ▼	-2.8%	1,402	0.4%	COM
CARR Carrier Global	$1,467,899	$1,467,899 ▲	New Holding	20,056	0.4%	Construction
MMC Marsh & McLennan Companies	$1,465,981	$355,946 ▼	-19.5%	6,705	0.4%	Finance
BA Boeing	$1,323,391	$59,506 ▼	-4.3%	6,316	0.4%	Aerospace
JNJ Johnson & Johnson	$1,303,874	$909,474 ▲	230.6%	8,536	0.3%	Medical
NEE NextEra Energy	$1,249,074	$24,783 ▲	2.0%	17,993	0.3%	Utilities
SLB Schlumberger	$1,225,520	$46,982 ▼	-3.7%	36,258	0.3%	Energy
UNP Union Pacific	$1,218,274	$91,802 ▼	-7.0%	5,295	0.3%	Transportation
PFE Pfizer	$1,210,424	$313,520 ▲	35.0%	49,935	0.3%	Medical
CDW CDW	$1,196,910	$14,109 ▼	-1.2%	6,702	0.3%	Computer and Technology
ZBH Zimmer Biomet	$1,177,339	$26,633 ▲	2.3%	12,908	0.3%	Medical
NKE NIKE	$1,165,766	$55,411 ▼	-4.5%	16,410	0.3%	Consumer Discretionary
AVUS Avantis U.S. Equity ETF	$1,161,749	$30,246 ▼	-2.5%	11,523	0.3%	ETF
CVX Chevron	$1,151,391	$102,238 ▼	-8.2%	8,041	0.3%	Energy
BDX Becton, Dickinson and Company	$1,131,510	$272,327 ▲	31.7%	6,569	0.3%	Medical
DIA SPDR Dow Jones Industrial Average ETF Trust	$1,120,573		0.0%	2,543	0.3%	Finance
BNDX Vanguard Total International Bond ETF	$1,119,520	$45,054 ▲	4.2%	22,612	0.3%	ETF
FDX FedEx	$1,097,680	$5,228 ▼	-0.5%	4,829	0.3%	Transportation
EOG EOG Resources	$1,067,041	$27,630 ▼	-2.5%	8,921	0.3%	Energy
BBWI Bath & Body Works	$1,060,884	$1,288 ▼	-0.1%	35,410	0.3%	Retail/Wholesale
GLW Corning	$1,033,814	$5,259 ▼	-0.5%	19,658	0.3%	Computer and Technology
MCD McDonald's	$924,134	$442,346 ▼	-32.4%	3,163	0.2%	Retail/Wholesale
BMY Bristol Myers Squibb	$909,413	$9,443 ▲	1.0%	19,646	0.2%	Medical
IWF iShares Russell 1000 Growth ETF	$906,903	$8,492 ▲	0.9%	2,136	0.2%	ETF
BIIB Biogen	$882,647	$290,741 ▲	49.1%	7,028	0.2%	Medical
VIG Vanguard Dividend Appreciation ETF	$843,854	$1,023 ▲	0.1%	4,123	0.2%	ETF
IBM International Business Machines	$842,776	$121,449 ▼	-12.6%	2,859	0.2%	Computer and Technology
SPTL SPDR Portfolio Long Term Treasury ETF	$811,833	$22,965 ▼	-2.8%	30,543	0.2%	ETF
FCX Freeport-McMoRan	$781,124	$40,619 ▼	-4.9%	18,019	0.2%	Basic Materials
DD DuPont de Nemours	$780,280	$10,631 ▼	-1.3%	11,376	0.2%	Basic Materials
BRK.B Berkshire Hathaway	$764,602	$85,496 ▼	-10.1%	1,574	0.2%	Finance
MTB M&T Bank	$754,815	$214,747 ▲	39.8%	3,891	0.2%	Finance
VZ Verizon Communications	$677,781	$3,418 ▼	-0.5%	15,664	0.2%	Computer and Technology
ROP Roper Technologies	$632,027		0.0%	1,115	0.2%	Computer and Technology
SUB iShares Short-Term National Muni Bond ETF	$630,490		0.0%	5,929	0.2%	ETF
HAL Halliburton	$612,929	$35,176 ▼	-5.4%	30,075	0.2%	Energy
IWD iShares Russell 1000 Value ETF	$576,280		0.0%	2,967	0.2%	ETF
HYG iShares iBoxx $ High Yield Corporate Bond ETF	$566,082	$14,678 ▲	2.7%	7,019	0.2%	ETF
TIP iShares TIPS Bond ETF	$564,945	$17,496 ▼	-3.0%	5,134	0.2%	ETF
SPTS SPDR Portfolio Short Term Treasury ETF	$554,313	$554,313 ▲	New Holding	18,925	0.1%	ETF
DFIC Dimensional International Core Equity 2 ETF	$538,665		0.0%	17,326	0.1%	ETF
T AT&T	$493,340	$16,091 ▼	-3.2%	17,047	0.1%	Computer and Technology
ITW Illinois Tool Works	$463,841	$1,978 ▲	0.4%	1,876	0.1%	Industrials
DE Deere & Company	$450,522		0.0%	886	0.1%	Industrials

Showing largest 100 holdings. View all holdings.

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Citizens & Northern Top Holdings and 13F Report (2025)

About Citizens & Northern

Investment Activity

Largest Holdings

Largest New Holdings this Quarter

Largest Purchases this Quarter

Largest Sales this Quarter

Sector Allocation Over Time

Latest 13F Holdings and Changes Since Previous Quarterly Filing

More Institutional Buying and Selling Information

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

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Citizens & Northern Top Holdings and 13F Report (2025)

About Citizens & Northern

Investment Activity

Largest Holdings

Largest New Holdings this Quarter

Largest Purchases this Quarter

Largest Sales this Quarter

Sector Allocation Over Time

Map of 500 Largest Holdings ofCitizens & Northern

Latest 13F Holdings and Changes Since Previous Quarterly Filing

More Institutional Buying and Selling Information

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools