Citizens & Northern Top Holdings and 13F Report (2026)

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. Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, a community-oriented financial institution headquartered in Wellsboro, Pennsylvania. Chartered in 1888, the company has cultivated deep roots in north central Pennsylvania and selected counties in upstate New York, offering a broad spectrum of banking services tailored to individuals, families and local businesses. For more information on Citizens & Northern stock, visit the Citizens & Northern stock profile here.

Investment Activity

Citizens & Northern has $437.70 million in total holdings as of June 30, 2026.
Citizens & Northern owns shares of 117 different stocks, but just 34 companies or ETFs make up 80% of its holdings.
Approximately 5.81% of the portfolio was purchased this quarter.
About 6.31% of the portfolio was sold this quarter.
This quarter, Citizens & Northern has purchased 119 new stocks and bought additional shares in 21 stocks.
Citizens & Northern sold shares of 61 stocks and completely divested from 11 stocks this quarter.

Largest Holdings

Vanguard Russell 1000 Growth ETF: $59,070,587
iShares Core MSCI Emerging Markets ETF: $28,177,032
Fidelity MSCI Real Estate Index ETF: $27,941,476
iShares North American Natural Resources ETF: $24,040,433
iShares Core S&P Mid-Cap ETF: $16,781,989

Largest New Holdings this Quarter

949746101 - Wells Fargo & Company: $4,277,694 Holding
38141G104 - The Goldman Sachs Group: $1,198,473 Holding
144285103 - Carpenter Technology: $235,633 Holding
743315103 - Progressive: $220,416 Holding
384802104 - W.W. Grainger: $213,583 Holding

Largest Purchases this Quarter

Vanguard Russell 1000 Growth ETF: 77,534 shares (about $9.91M)
Wells Fargo & Company: 51,763 shares (about $4.28M)
KLA: 8,520 shares (about $2.57M)
Broadcom: 5,804 shares (about $2.19M)
The Goldman Sachs Group: 1,185 shares (about $1.20M)

Largest Sales this Quarter

Fidelity MSCI Real Estate Index ETF: 166,299 shares (about $4.87M)
iShares Core S&P Mid-Cap ETF: 30,749 shares (about $2.37M)
iShares North American Natural Resources ETF: 41,851 shares (about $2.35M)
SPDR Portfolio S&P 400 Mid Cap ETF: 30,328 shares (about $2.05M)
Advanced Micro Devices: 2,595 shares (about $1.51M)

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	$59,070,587	$9,909,621 â–²	20.2%	462,175	13.5%	ETF
IEMG iShares Core MSCI Emerging Markets ETF	$28,177,032	$611,939 â–²	2.2%	340,138	6.4%	ETF
FREL Fidelity MSCI Real Estate Index ETF	$27,941,476	$4,872,561 â–¼	-14.8%	953,634	6.4%	ETF
IGE iShares North American Natural Resources ETF	$24,040,433	$2,351,189 â–¼	-8.9%	427,918	5.5%	ETF
IJH iShares Core S&P Mid-Cap ETF	$16,781,989	$2,371,055 â–¼	-12.4%	217,637	3.8%	ETF
NVDA NVIDIA	$16,406,380	$179,081 â–¼	-1.1%	81,995	3.7%	Technology
AAPL Apple	$15,486,837	$26,910 â–¼	-0.2%	53,521	3.5%	Technology
SPMD SPDR Portfolio S&P 400 Mid Cap ETF	$14,061,871	$2,048,960 â–¼	-12.7%	208,139	3.2%	ETF
GOOG Alphabet	$13,940,282	$245,211 â–¼	-1.7%	39,454	3.2%	Communication Services
EMB iShares J.P. Morgan USD Emerging Markets Bond ETF	$12,820,251	$288,741 â–¼	-2.2%	132,935	2.9%	ETF
MSFT Microsoft	$10,867,938	$195,836 â–¼	-1.8%	29,135	2.5%	Technology
DFAC Dimensional U.S. Core Equity 2 ETF	$10,558,700		0.0%	238,023	2.4%	ETF
AMZN Amazon.com	$9,016,641	$302,692 â–¼	-3.2%	37,831	2.1%	Consumer Discretionary
CZFS Citizens Financial Services	$8,480,044		0.0%	117,063	1.9%	Finance
CZNC Citizens & Northern	$8,146,666	$241,515 â–¼	-2.9%	349,492	1.9%	Finance
AMD Advanced Micro Devices	$7,388,013	$1,507,461 â–¼	-16.9%	12,718	1.7%	Technology
JPM JPMorgan Chase & Co.	$5,827,129	$783,955 â–¼	-11.9%	17,802	1.3%	Finance
GLW Corning	$5,021,243		0.0%	19,658	1.1%	Technology
META Meta Platforms	$4,949,629	$672,568 â–¼	-12.0%	8,787	1.1%	Communication Services
AVDE Avantis International Equity ETF	$4,888,963		0.0%	54,809	1.1%	ETF
AVGO Broadcom	$4,793,648	$2,192,461 â–²	84.3%	12,690	1.1%	Technology
WFC Wells Fargo & Company	$4,277,694	$4,277,694 â–²	New Holding	51,763	1.0%	Finance
CAT Caterpillar	$4,095,605	$682,601 â–¼	-14.3%	3,846	0.9%	Industrials
MA Mastercard	$4,026,624	$179,246 â–¼	-4.3%	7,840	0.9%	Finance
COST Costco Wholesale	$4,014,102	$10,290 â–¼	-0.3%	4,291	0.9%	Consumer Staples
XOM ExxonMobil	$3,530,657	$38,145 â–¼	-1.1%	25,824	0.8%	Energy
ADI Analog Devices	$3,116,593	$782,425 â–¼	-20.1%	7,847	0.7%	Technology
MBB iShares MBS ETF	$2,941,273	$523,357 â–¼	-15.1%	31,118	0.7%	ETF
KLAC KLA	$2,857,797	$2,570,569 â–²	895.0%	9,472	0.7%	Technology
CSCO Cisco Systems	$2,724,015	$1,113,521 â–¼	-29.0%	23,191	0.6%	Technology
CVS CVS Health	$2,722,287	$100,657 â–¼	-3.6%	26,315	0.6%	Healthcare
PG Procter & Gamble	$2,709,174	$34,020 â–¼	-1.2%	18,475	0.6%	Consumer Staples
TJX TJX Companies	$2,543,231	$26,513 â–¼	-1.0%	16,787	0.6%	Consumer Discretionary
PANW Palo Alto Networks	$2,477,851	$78,094 â–¼	-3.1%	7,266	0.6%	Technology
RTX RTX	$2,409,761	$204,150 â–¼	-7.8%	12,701	0.6%	Industrials
C Citigroup	$2,294,084	$32,891 â–¼	-1.4%	16,391	0.5%	Finance
ETN Eaton	$2,282,299	$247,576 â–¼	-9.8%	5,356	0.5%	Industrials
SCHW Charles Schwab	$2,267,074	$294,987 â–²	15.0%	24,570	0.5%	Finance
SPY SPDR S&P 500 ETF Trust	$2,148,457		0.0%	2,877	0.5%	ETF
JNJ Johnson & Johnson	$2,087,125	$41,905 â–²	2.0%	8,218	0.5%	Healthcare
ORCL Oracle	$2,055,217	$50,853 â–¼	-2.4%	14,024	0.5%	Technology
GSK GSK	$2,053,606	$45,081 â–¼	-2.1%	39,176	0.5%	Healthcare
COR Cencora	$2,025,005	$29,713 â–²	1.5%	7,156	0.5%	Healthcare
MDT Medtronic	$2,023,497	$255,499 â–²	14.5%	25,866	0.5%	Healthcare
HD Home Depot	$1,984,530	$53,607 â–¼	-2.6%	5,627	0.5%	Consumer Discretionary
BA Boeing	$1,961,651	$41,129 â–¼	-2.1%	9,062	0.4%	Industrials
KO CocaCola	$1,853,444	$43,967 â–¼	-2.3%	22,806	0.4%	Consumer Staples
GD General Dynamics	$1,811,229	$56,324 â–¼	-3.0%	5,113	0.4%	Industrials
BX Blackstone	$1,783,171	$26,240 â–¼	-1.5%	15,154	0.4%	Finance
AVUS Avantis U.S. Equity ETF	$1,771,218		0.0%	13,829	0.4%	ETF
CRM Salesforce	$1,747,699	$346,062 â–²	24.7%	11,156	0.4%	Technology
EMR Emerson Electric	$1,733,833	$229,899 â–¼	-11.7%	12,112	0.4%	Industrials
FCX Freeport-McMoRan	$1,694,948	$75,216 â–²	4.6%	26,951	0.4%	Materials
SLB SLB	$1,615,853	$10,879 â–¼	-0.7%	34,757	0.4%	Energy
BIIB Biogen	$1,500,105	$41,916 â–¼	-2.7%	6,943	0.3%	Healthcare
KKR KKR & Co. Inc.	$1,491,700	$10,279 â–¼	-0.7%	16,253	0.3%	Finance
NEE NextEra Energy	$1,483,225	$29,140 â–¼	-1.9%	16,899	0.3%	Utilities
TPR Tapestry	$1,447,259	$13,467 â–²	0.9%	9,887	0.3%	Consumer Discretionary
AMT American Tower	$1,434,018	$981 â–¼	-0.1%	8,767	0.3%	Real Estate
UNP Union Pacific	$1,373,328		0.0%	5,049	0.3%	Industrials
MDLZ Mondelez International	$1,362,479	$26,433 â–¼	-1.9%	23,556	0.3%	Consumer Staples
BMY Bristol Myers Squibb	$1,361,445	$266,838 â–²	24.4%	23,628	0.3%	Healthcare
OVV Ovintiv	$1,353,684	$161,214 â–²	13.5%	25,711	0.3%	Energy
DIA SPDR Dow Jones Industrial Average ETF Trust	$1,328,438		0.0%	2,543	0.3%	ETF
NFLX Netflix	$1,246,144	$460,530 â–²	58.6%	17,453	0.3%	Communication Services
CVX Chevron	$1,227,950	$24,035 â–¼	-1.9%	7,408	0.3%	Energy
DIS Walt Disney	$1,208,226	$33,976 â–¼	-2.7%	12,553	0.3%	Communication Services
GS The Goldman Sachs Group	$1,198,473	$1,198,473 â–²	New Holding	1,185	0.3%	Finance
BDX Becton, Dickinson and Company	$1,177,801	$246,668 â–²	26.5%	7,783	0.3%	Healthcare
PYPL PayPal	$1,172,510	$32,990 â–¼	-2.7%	27,154	0.3%	Finance
PFE Pfizer	$1,154,371	$13,100 â–¼	-1.1%	47,939	0.3%	Healthcare
YUM Yum! Brands	$1,127,333	$20,142 â–²	1.8%	7,052	0.3%	Consumer Discretionary
PCAR PACCAR	$1,103,542	$193,153 â–²	21.2%	9,187	0.3%	Industrials
ZBH Zimmer Biomet	$1,056,927	$4,218 â–²	0.4%	12,277	0.2%	Healthcare
ICE Intercontinental Exchange	$978,725	$28,438 â–¼	-2.8%	7,950	0.2%	Finance
AVEM Avantis Emerging Markets Equity ETF	$978,698		0.0%	10,143	0.2%	ETF
IWF iShares Russell 1000 Growth ETF	$948,410	$696,097 â–²	275.9%	7,638	0.2%	ETF
MTB M&T Bank	$866,832		0.0%	3,642	0.2%	Finance
ADBE Adobe	$808,599	$23,577 â–¼	-2.8%	3,944	0.2%	Technology
MCD McDonald's	$796,333	$31,356 â–¼	-3.8%	2,946	0.2%	Consumer Discretionary
BBWI Bath & Body Works	$770,414	$763 â–¼	-0.1%	33,308	0.2%	Consumer Discretionary
SPTL SPDR Portfolio Long Term Treasury ETF	$766,650	$99,307 â–¼	-11.5%	29,228	0.2%	ETF
SPTS SPDR Portfolio Short Term Treasury ETF	$764,094	$46,996 â–¼	-5.8%	26,339	0.2%	ETF
BRK.B Berkshire Hathaway	$725,065		0.0%	1,449	0.2%	Finance
IBM International Business Machines	$712,024	$70,584 â–¼	-9.0%	2,532	0.2%	Technology
VZ Verizon Communications	$707,247	$53,518 â–²	8.2%	16,704	0.2%	Communication Services
ACN Accenture	$700,971	$5,475 â–¼	-0.8%	5,633	0.2%	Technology
INTU Intuit	$695,304	$11,223 â–²	1.6%	2,664	0.2%	Technology
VIG Vanguard Dividend Appreciation ETF	$678,153		0.0%	2,866	0.2%	ETF
NKE NIKE	$675,724	$24,507 â–¼	-3.5%	16,461	0.2%	Consumer Discretionary
IWD iShares Russell 1000 Value ETF	$674,198	$60,123 â–¼	-8.2%	2,781	0.2%	ETF
DFIC Dimensional International Core Equity 2 ETF	$645,567		0.0%	17,326	0.1%	ETF
SUB iShares Short-Term National Muni Bond ETF	$631,261		0.0%	5,929	0.1%	ETF
DE Deere & Company	$558,210		0.0%	880	0.1%	Industrials
DFEM Dimensional Emerging Markets Core Equity 2 ETF	$521,533		0.0%	12,833	0.1%	ETF
CMI Cummins	$430,066		0.0%	603	0.1%	Industrials
LLY Eli Lilly and Company	$403,008	$63,570 â–¼	-13.6%	336	0.1%	Healthcare
ROK Rockwell Automation	$329,723		0.0%	666	0.1%	Industrials
DGX Quest Diagnostics	$326,403	$2,120 â–¼	-0.6%	1,540	0.1%	Healthcare
ITW Illinois Tool Works	$324,023	$193,656 â–¼	-37.4%	1,198	0.1%	Industrials

Showing largest 100 holdings. View all holdings.

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Citizens & Northern Top Holdings and 13F Report (2026)

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

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Citizens & Northern Top Holdings and 13F Report (2026)

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