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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs

Institutional Manager · CIK 0000810958

CITIZENS & NORTHERN CORP

Wellsboro, PA · File #028-14195

Latest AUM
$403.6M
Positions
124
Top-10 Concentration
60.2%
Filings
12

Sector Allocation

Technology
16.4%$66.0M
Financials
5.8%$23.5M
Industrials
3.1%$12.7M
Healthcare
2.7%$10.8M
Energy
1.8%$7.4M
Materials
0.4%$1.8M

Filing History

View all filings →

Top 20 Holdings — Dec 2025

#IssuerTickerSharesValue% of Portfolio
1Vanguard Russell 1000 Growth ETF92206C680367,716$44.8M12.97%
2Fidelity MSCI Real Estate Index ETF3160928571,087,071$29.2M8.47%
3iShares North American Natural Resources ETF464287374492,536$24.7M7.16%
4iShares Core MSCI Emerging Mkts ETF46434G103331,668$22.3M6.46%
5iShares S&P MidCap 400 Index Fd464287507258,672$17.1M4.94%
6Nvidia CorpNVDA81,880$15.3M4.42%
7Apple Computer IncAAPL53,237$14.5M4.19%
8Microsoft CorpMSFT28,309$13.7M3.96%
9State Street SPDR Portfolio S&P 400 Mid Cap ETF78464A847235,643$13.6M3.95%
10iShares JPMorgan USD Emerging Markets Bond ETF464288281132,225$12.7M3.69%
11Alphabet Inc Class CGOOG40,453$12.7M3.68%
12Dimensional U.S. Core Equity 2 ETF25434V708238,023$9.4M2.73%
13Amazon Communications IncAMZN37,712$8.7M2.52%
14Citizens & Northern CorpCIA361,412$7.3M2.11%
15Citizens Financial Services IncCIA117,063$6.7M1.93%
16JPMorgan Chase & CoVYLD20,091$6.5M1.87%
17Meta Platforms IncMETA8,780$5.8M1.68%
18Avantis International Equity ETF02507270354,809$4.5M1.31%
19Mastercard Inc Class AMA7,877$4.5M1.30%
20Costco Wholesale Corp (New)22160K1054,373$3.8M1.09%