Institutional Manager · CIK 0000810958
CITIZENS & NORTHERN CORP
Wellsboro, PA · File #028-14195
Latest AUM
$403.6M
Positions
124
Top-10 Concentration
60.2%
Filings
9
Portfolio Value Over Time
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
Biggest QoQ Changes
Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.
| Action | Issuer | Ticker / CUSIP | Δ Shares | Flow ($) | Price Effect |
|---|---|---|---|---|---|
| ADD | Fidelity MSCI Real Estate Index ETF | 316092857 | +264,741 | +$7.1M | -$756,543 |
| REDUCE | Vanguard Russell 1000 Growth ETF | 92206C680 | -29,052 | -$3.5M | +$495,960 |
| NEW | KKR & Co Inc | KKRT | +14,168 | +$1.8M | $0 |
| ADD | Caterpillar Inc | CAT | +3,084 | +$1.8M | +$108,163 |
| REDUCE | iShares Core MSCI Emerging Mkts ETF | 46434G103 | -25,119 | -$1.7M | +$463,823 |
| NEW | Citigroup Inc Common New | C-PR | +13,930 | +$1.6M | $0 |
| REDUCE | Alphabet Inc Class C | GOOG | -4,731 | -$1.5M | +$3.2M |
| REDUCE | JPMorgan Chase & Co | VYLD | -4,583 | -$1.5M | +$167,536 |
| NEW | Netflix Inc Corp | NFLX | +15,633 | +$1.5M | $0 |
| REDUCE | Truist Financial Corporation | 89832Q109 | -29,621 | -$1.5M | +$119,876 |
Sector Allocation
Filing History
- 13F HOLDINGS REPORTQ/E Dec 2025124 pos · $403.6M
- 13F HOLDINGS REPORTQ/E Sep 2025121 pos · $403.5M
- 13F HOLDINGS REPORTQ/E Jun 2025118 pos · $373.7M
- 13F HOLDINGS REPORTQ/E Mar 2025118 pos · $354.7M
- 13F HOLDINGS REPORTQ/E Dec 2024126 pos · $365.1M
- 13F HOLDINGS REPORTQ/E Sep 2024126 pos · $333.1M
- 13F HOLDINGS REPORTQ/E Jun 2024118 pos · $319.7M
- 13F HOLDINGS REPORTQ/E Mar 2024109 pos · $295.7M
- 13F HOLDINGS REPORTQ/E Dec 202397 pos · $249.0M
Top 20 Holdings — Dec 2025
| # | Issuer | Ticker | Shares | Value | % of Portfolio |
|---|---|---|---|---|---|
| 1 | Vanguard Russell 1000 Growth ETF | 92206C680 | 367,716 | $44.8M | 12.97% |
| 2 | Fidelity MSCI Real Estate Index ETF | 316092857 | 1,087,071 | $29.2M | 8.47% |
| 3 | iShares North American Natural Resources ETF | 464287374 | 492,536 | $24.7M | 7.16% |
| 4 | iShares Core MSCI Emerging Mkts ETF | 46434G103 | 331,668 | $22.3M | 6.46% |
| 5 | iShares S&P MidCap 400 Index Fd | 464287507 | 258,672 | $17.1M | 4.94% |
| 6 | Nvidia Corp | NVDA | 81,880 | $15.3M | 4.42% |
| 7 | Apple Computer Inc | AAPL | 53,237 | $14.5M | 4.19% |
| 8 | Microsoft Corp | MSFT | 28,309 | $13.7M | 3.96% |
| 9 | State Street SPDR Portfolio S&P 400 Mid Cap ETF | 78464A847 | 235,643 | $13.6M | 3.95% |
| 10 | iShares JPMorgan USD Emerging Markets Bond ETF | 464288281 | 132,225 | $12.7M | 3.69% |
| 11 | Alphabet Inc Class C | GOOG | 40,453 | $12.7M | 3.68% |
| 12 | Dimensional U.S. Core Equity 2 ETF | 25434V708 | 238,023 | $9.4M | 2.73% |
| 13 | Amazon Communications Inc | AMZN | 37,712 | $8.7M | 2.52% |
| 14 | Citizens & Northern Corp | CIA | 361,412 | $7.3M | 2.11% |
| 15 | Citizens Financial Services Inc | CIA | 117,063 | $6.7M | 1.93% |
| 16 | JPMorgan Chase & Co | VYLD | 20,091 | $6.5M | 1.87% |
| 17 | Meta Platforms Inc | META | 8,780 | $5.8M | 1.68% |
| 18 | Avantis International Equity ETF | 025072703 | 54,809 | $4.5M | 1.31% |
| 19 | Mastercard Inc Class A | MA | 7,877 | $4.5M | 1.30% |
| 20 | Costco Wholesale Corp (New) | 22160K105 | 4,373 | $3.8M | 1.09% |