13F HOLDINGS REPORT
CITIZENS & NORTHERN CORP
Quarter ended Q4 2024 · Filed January 31, 2025 · Accession 0001104659-25-007887
Total Value
$365.1M
Positions
126
Other Managers
1
Confidential Omitted
No
Holdings (126)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | Vanguard Russell 1000 Growth ETF | 92206C680 | 418,554 | $43.2M | 11.84% |
| 2 | Fidelity MSCI Real Estate Index ETF | 316092857 | 783,067 | $21.2M | 5.80% |
| 3 | iShares North American Natural Resources ETF | 464287374 | 438,469 | $18.7M | 5.13% |
| 4 | iShares Core MSCI Emerging Mkts ETF | 46434G103 | 351,646 | $18.4M | 5.03% |
| 5 | iShares S&P MidCap 400 Index Fd | 464287507 | 249,959 | $15.6M | 4.27% |
| 6 | SPDR Portfolio S&P 400 Mid Cap ETF | 78464A847 | 280,513 | $15.3M | 4.20% |
| 7 | Apple Computer Inc | AAPL | 60,417 | $15.1M | 4.14% |
| 8 | Microsoft Corp | MSFT | 32,618 | $13.7M | 3.77% |
| 9 | Nvidia Corp | NVDA | 91,399 | $12.3M | 3.36% |
| 10 | iShares JPMorgan USD Emerging Markets Bond ETF | 464288281 | 128,456 | $11.4M | 3.13% |
| 11 | Alphabet Inc Class C | GOOG | 46,486 | $8.9M | 2.43% |
| 12 | Amazon Communications Inc | AMZN | 39,690 | $8.7M | 2.39% |
| 13 | Citizens Financial Services Inc | CIA | 115,922 | $7.3M | 2.01% |
| 14 | Citizens & Northern Corp | CIA | 338,687 | $6.3M | 1.73% |
| 15 | JPMorgan Chase & Co | VYLD | 25,722 | $6.2M | 1.69% |
| 16 | Dimensional U.S. Core Equity 2 ETF | 25434V708 | 163,552 | $5.7M | 1.55% |
| 17 | Meta Platforms Inc | META | 9,117 | $5.3M | 1.46% |
| 18 | Costco Wholesale Corp (New) | 22160K105 | 5,573 | $5.1M | 1.40% |
| 19 | Mastercard Inc Class A | MA | 8,172 | $4.3M | 1.18% |
| 20 | Chipotle Mexican Grill Inc Corp Common | CMG | 57,598 | $3.5M | 0.95% |
| 21 | Procter & Gamble Co | 742718109 | 18,526 | $3.1M | 0.85% |
| 22 | iShares Barclays MBS Bond Fund ETF | 464288588 | 33,681 | $3.1M | 0.85% |
| 23 | Exxon Mobil Corp | XOM | 28,610 | $3.1M | 0.84% |
| 24 | Salesforce, Inc. | CRM | 9,036 | $3.0M | 0.83% |
| 25 | Home Depot Inc | HD | 6,765 | $2.6M | 0.72% |
| 26 | Oracle Corp | ORCL-PD | 15,232 | $2.5M | 0.70% |
| 27 | Abbott Labs | ABLZF | 22,129 | $2.5M | 0.69% |
| 28 | Norfolk Southern Corp | 655844108 | 9,474 | $2.2M | 0.61% |
| 29 | Blackstone Inc | BX | 12,807 | $2.2M | 0.60% |
| 30 | Tjx Companies (New) | 872540109 | 17,874 | $2.2M | 0.59% |
| 31 | Palo Alto Networks Inc Common | PANW | 11,619 | $2.1M | 0.58% |
| 32 | Analog Devices Inc | ADI | 9,951 | $2.1M | 0.58% |
| 33 | Honeywell Intl Inc | 438516106 | 9,189 | $2.1M | 0.57% |
| 34 | General Dynamics Corp | GD | 7,825 | $2.1M | 0.56% |
| 35 | Flexshares Morningstar Global Upstream Nat Res Index ETF | FLEX | 56,338 | $2.0M | 0.56% |
| 36 | Cisco Systems Inc | CSCO | 33,156 | $2.0M | 0.54% |
| 37 | Mondelez Intl Inc Class A | 609207105 | 32,205 | $1.9M | 0.53% |
| 38 | Avantis International Equity ETF | 025072703 | 31,199 | $1.9M | 0.52% |
| 39 | Servicenow Inc | NOW | 1,693 | $1.8M | 0.49% |
| 40 | Adobe Systems Inc | ADBE | 3,980 | $1.8M | 0.48% |
| 41 | Marsh & McLennan Cos Inc | 571748102 | 8,282 | $1.8M | 0.48% |
| 42 | W W Grainger Inc | 384802104 | 1,649 | $1.7M | 0.48% |
| 43 | American Tower REIT Inc | 03027X100 | 9,409 | $1.7M | 0.47% |
| 44 | Accenture PLC | ACN | 4,851 | $1.7M | 0.47% |
| 45 | Comcast Corp Class A | CCZ | 44,927 | $1.7M | 0.46% |
| 46 | SPDR S&P 500 ETF Trust | SPY | 2,871 | $1.7M | 0.46% |
| 47 | Cencora, Inc. | COR | 7,354 | $1.7M | 0.45% |
| 48 | Intercontinental Exchange Inc Common | 45866F104 | 11,027 | $1.6M | 0.45% |
| 49 | Charles Schwab Corp | SCHW-PJ | 21,468 | $1.6M | 0.44% |
| 50 | Truist Financial Corporation | 89832Q109 | 36,575 | $1.6M | 0.43% |
| 51 | Masco Corp | MAS | 21,318 | $1.5M | 0.42% |
| 52 | Coca Cola Co | KO | 24,429 | $1.5M | 0.42% |
| 53 | Blackrock Funding Inc | BLK | 1,448 | $1.5M | 0.41% |
| 54 | McDonalds Corp | MCD | 4,966 | $1.4M | 0.39% |
| 55 | GSK PLC ADR | GLAXF | 41,143 | $1.4M | 0.38% |
| 56 | Eaton Corp | ETN | 4,148 | $1.4M | 0.38% |
| 57 | Zimmer Biomet Holdings, Inc. | ZBH | 12,811 | $1.4M | 0.37% |
| 58 | Schlumberger Ltd | SLB | 35,238 | $1.4M | 0.37% |
| 59 | Nike, Inc. Class B | NKE | 17,606 | $1.3M | 0.36% |
| 60 | Bath & Body Works | BBWI | 33,810 | $1.3M | 0.36% |
| 61 | Disney Walt Co | 254687106 | 11,742 | $1.3M | 0.36% |
| 62 | Nextera Energy Inc | NEE-PW | 18,217 | $1.3M | 0.36% |
| 63 | Union Pacific Corp | UNP | 5,694 | $1.3M | 0.36% |
| 64 | Fedex Corp | FDX | 4,579 | $1.3M | 0.35% |
| 65 | Paypal Holdings, Inc. | PYPL | 15,014 | $1.3M | 0.35% |
| 66 | Chevron Corp | CVX | 8,820 | $1.3M | 0.35% |
| 67 | Avantis US Equity ETF | 025072885 | 11,823 | $1.1M | 0.31% |
| 68 | CDW Corporation | CDW | 6,580 | $1.1M | 0.31% |
| 69 | Becton, Dickinson & Co. | BDX | 5,004 | $1.1M | 0.31% |
| 70 | EOG Resources, Inc. | EOG | 9,253 | $1.1M | 0.31% |
| 71 | Boeing Co | BA-PA | 6,154 | $1.1M | 0.30% |
| 72 | SPDR Dow Jones Industrial Average ETF Trust | 78467X109 | 2,543 | $1.1M | 0.30% |
| 73 | Bristol Myers Squibb Co | CELG-RI | 19,120 | $1.1M | 0.30% |
| 74 | Vanguard Total International Bond Index Fund ETF | 92203J407 | 21,459 | $1.1M | 0.29% |
| 75 | International Business Machines | INTR | 4,514 | $992,313 | 0.27% |
| 76 | iShares Trust Russell 1000 Growth ETF | 464287614 | 2,423 | $973,028 | 0.27% |
| 77 | Pfizer Inc | PFE | 36,646 | $972,218 | 0.27% |
| 78 | Corning Inc | GLW | 19,926 | $946,884 | 0.26% |
| 79 | SPDR Portfolio Long Term Treasury ETF | 78464A664 | 35,122 | $919,845 | 0.25% |
| 80 | DuPont de Nemours Inc | DD | 11,483 | $875,579 | 0.24% |
| 81 | Halliburton Co | HAL | 30,295 | $823,721 | 0.23% |
| 82 | Vanguard Dividend Appreciation Index ETF | 921908844 | 4,118 | $806,428 | 0.22% |
| 83 | Berkshire Hathaway Inc Class B New | BRK-A | 1,735 | $786,441 | 0.22% |
| 84 | CVS Health Corporation | CVS | 16,633 | $746,655 | 0.20% |
| 85 | Advanced Micro Devices Inc | AMD | 6,036 | $729,088 | 0.20% |
| 86 | Freeport-McMoran, Inc. | FCX | 18,907 | $719,979 | 0.20% |
| 87 | Verizon Communications | VZ | 16,052 | $641,919 | 0.18% |
| 88 | iShares US Healthcare Providers ETF | 464288828 | 13,120 | $629,629 | 0.17% |
| 89 | iShares Short-Term National Muni Bond ETF | 464288158 | 5,929 | $625,391 | 0.17% |
| 90 | Roper Industries Inc New | ROP | 1,115 | $579,633 | 0.16% |
| 91 | Microchip Technology Inc | MCHPP | 10,027 | $575,048 | 0.16% |
| 92 | iShares iBoxx $ High Yield Corp Bond ETF | 464288513 | 7,057 | $555,033 | 0.15% |
| 93 | iShares Russell 1000 Value ETF | 464287598 | 2,967 | $549,281 | 0.15% |
| 94 | iShares Barclays TIPS Bond Fund | 464287176 | 5,063 | $539,463 | 0.15% |
| 95 | M & T Bank Corp | 55261F104 | 2,784 | $523,420 | 0.14% |
| 96 | Illinois Tool Works Inc | 452308109 | 1,912 | $484,807 | 0.13% |
| 97 | AT&T Inc | T-PC | 21,010 | $478,398 | 0.13% |
| 98 | DFA Dimensional International Core Equity 2 ETF | 25434V799 | 17,326 | $447,790 | 0.12% |
| 99 | Biogen Idec Inc | BIIB | 2,894 | $442,550 | 0.12% |
| 100 | Avantis Emerging Markets Equity ETF | 025072604 | 7,164 | $421,172 | 0.12% |
| 101 | Walmart Inc. | WMT | 4,613 | $416,785 | 0.11% |
| 102 | Deere & Co | DE | 886 | $375,398 | 0.10% |
| 103 | Johnson & Johnson | JNJ | 2,555 | $369,504 | 0.10% |
| 104 | Unitedhealth Group, Inc. | UNH | 719 | $363,713 | 0.10% |
| 105 | FlexShares STOXX US ESG Select Index ETF | FLEX | 2,502 | $344,734 | 0.09% |
| 106 | iShares Core S&P 500 ETF | 464287200 | 585 | $344,378 | 0.09% |
| 107 | Caterpillar Inc | CAT | 925 | $335,553 | 0.09% |
| 108 | SPDR NYSE Technology ETF | 78464A102 | 1,485 | $299,703 | 0.08% |
| 109 | Eli Lilly & Co | LLY | 374 | $288,728 | 0.08% |
| 110 | Broadcom Inc Common | AVGO | 1,200 | $278,208 | 0.08% |
| 111 | Lowes Cos Inc | 548661107 | 1,126 | $277,897 | 0.08% |
| 112 | iShares Biotechnology ETF | 464287556 | 2,084 | $275,526 | 0.08% |
| 113 | Vanguard Tax-Exempt Bond Index ETF | 922907746 | 5,410 | $271,203 | 0.07% |
| 114 | iShares PHLX Semiconductor ETF | 464287523 | 1,251 | $269,578 | 0.07% |
| 115 | CME Group Inc | CME | 1,119 | $259,865 | 0.07% |
| 116 | FlexShares Core Select Bond Fund ETF | FLEX | 11,341 | $246,497 | 0.07% |
| 117 | National Fuel Gas Co N J | NFG | 4,012 | $243,448 | 0.07% |
| 118 | Quest Diagnostics Inc | DGX | 1,606 | $242,281 | 0.07% |
| 119 | Visa Inc Class A | V | 763 | $241,139 | 0.07% |
| 120 | Vanguard Total World Stock Index Fund ETF | 922042742 | 2,000 | $234,960 | 0.06% |
| 121 | Rockwell Automation Inc Common | ROK | 800 | $228,632 | 0.06% |
| 122 | Vanguard World Mega Cap 300 Growth ETF | 921910816 | 650 | $223,217 | 0.06% |
| 123 | Progressive Corp Ohio common | 743315103 | 925 | $221,639 | 0.06% |
| 124 | Community Financial System, Inc | CBU | 3,394 | $209,342 | 0.06% |
| 125 | Cummins Inc | CMI | 600 | $209,160 | 0.06% |
| 126 | Ford Motor Co Del Par $0.01 | 345370860 | 12,373 | $122,493 | 0.03% |