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 $354.68 million in total holdings as of March 31, 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 2.38% of the portfolio was sold this quarter.
This quarter, Citizens & Northern has purchased 126 new stocks and bought additional shares in 47 stocks.
Citizens & Northern sold shares of 51 stocks and completely divested from 12 stocks this quarter.

Largest Holdings

Vanguard Russell 1000 Growth ETF: $38,843,100
iShares North American Natural Resources ETF: $22,716,403
Fidelity MSCI Real Estate Index ETF: $21,711,436
iShares Core MSCI Emerging Markets ETF: $20,035,661
iShares Core S&P Mid-Cap ETF: $16,958,144

Largest New Holdings this Quarter

046353108 - AstraZeneca: $213,224 Holding
922908553 - Vanguard Real Estate ETF: $201,542 Holding
303075105 - FactSet Research Systems: $201,406 Holding
25434V732 - Dimensional Emerging Markets Core Equity 2 ETF: $200,038 Holding

Largest Purchases this Quarter

iShares North American Natural Resources ETF: 61,122 shares (about $2.78M)
iShares Core S&P Mid-Cap ETF: 40,669 shares (about $2.37M)
iShares Core MSCI Emerging Markets ETF: 19,591 shares (about $1.06M)
CVS Health: 10,887 shares (about $737.59K)
SPDR Portfolio S&P 400 Mid Cap ETF: 10,682 shares (about $546.70K)

Largest Sales this Quarter

Alphabet: 3,051 shares (about $476.66K)
International Business Machines: 1,243 shares (about $309.08K)
Microsoft: 697 shares (about $261.65K)
Apple: 1,087 shares (about $241.46K)
iShares Russell 1000 Growth ETF: 307 shares (about $110.85K)

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	$38,843,100	$5,475 ▲	0.0%	418,613	11.0%	ETF
IGE iShares North American Natural Resources ETF	$22,716,403	$2,779,217 ▲	13.9%	499,591	6.4%	ETF
FREL Fidelity MSCI Real Estate Index ETF	$21,711,436	$200,586 ▲	0.9%	790,369	6.1%	ETF
IEMG iShares Core MSCI Emerging Markets ETF	$20,035,661	$1,057,326 ▲	5.6%	371,237	5.6%	ETF
IJH iShares Core S&P Mid-Cap ETF	$16,958,144	$2,373,036 ▲	16.3%	290,628	4.8%	ETF
SPMD SPDR Portfolio S&P 400 Mid Cap ETF	$14,903,360	$546,705 ▲	3.8%	291,195	4.2%	ETF
AAPL Apple	$13,178,973	$241,455 ▼	-1.8%	59,330	3.7%	Computer and Technology
MSFT Microsoft	$11,982,824	$261,647 ▼	-2.1%	31,921	3.4%	Computer and Technology
EMB iShares J.P. Morgan USD Emerging Markets Bond ETF	$11,558,469	$78,360 ▼	-0.7%	127,591	3.3%	ETF
NVDA NVIDIA	$10,290,139	$384,315 ▲	3.9%	94,945	2.9%	Computer and Technology
AMZN Amazon.com	$7,782,776	$231,356 ▲	3.1%	40,906	2.2%	Retail/Wholesale
GOOG Alphabet	$6,785,850	$476,658 ▼	-6.6%	43,435	1.9%	Computer and Technology
CZNC Citizens & Northern	$6,733,145	$81,245 ▼	-1.2%	334,649	1.9%	Finance
CZFS Citizens Financial Services	$6,729,272		0.0%	115,922	1.9%	Finance
JPM JPMorgan Chase & Co.	$6,387,857	$78,251 ▲	1.2%	26,041	1.8%	Finance
DFAC Dimensional U.S. Core Equity 2 ETF	$5,341,477	$54,104 ▼	-1.0%	161,912	1.5%	ETF
COST Costco Wholesale	$5,240,567	$30,265 ▼	-0.6%	5,541	1.5%	Retail/Wholesale
META Meta Platforms	$5,198,191	$56,483 ▼	-1.1%	9,019	1.5%	Computer and Technology
MA Mastercard	$4,511,576	$32,339 ▲	0.7%	8,231	1.3%	Business Services
XOM Exxon Mobil	$3,405,917	$3,330 ▲	0.1%	28,638	1.0%	Energy
PG Procter & Gamble	$3,146,294	$10,907 ▼	-0.3%	18,462	0.9%	Consumer Staples
MBB iShares MBS ETF	$3,121,936	$36,668 ▼	-1.2%	33,290	0.9%	ETF
CMG Chipotle Mexican Grill	$2,890,088	$1,908 ▼	-0.1%	57,560	0.8%	Retail/Wholesale
ABT Abbott Laboratories	$2,862,587	$72,825 ▼	-2.5%	21,580	0.8%	Medical
HD Home Depot	$2,439,724	$39,581 ▼	-1.6%	6,657	0.7%	Retail/Wholesale
CRM Salesforce	$2,391,893	$33,008 ▼	-1.4%	8,913	0.7%	Computer and Technology
NSC Norfolk Southern	$2,249,601	$5,684 ▲	0.3%	9,498	0.6%	Transportation
TJX TJX Companies	$2,152,206	$24,847 ▼	-1.1%	17,670	0.6%	Retail/Wholesale
MDLZ Mondelez International	$2,122,891	$62,218 ▼	-2.8%	31,288	0.6%	Consumer Staples
CSCO Cisco Systems	$2,102,892	$56,835 ▲	2.8%	34,077	0.6%	Computer and Technology
ORCL Oracle	$2,087,783	$41,803 ▼	-2.0%	14,933	0.6%	Computer and Technology
GD General Dynamics	$2,063,431	$69,508 ▼	-3.3%	7,570	0.6%	Aerospace
AVDE Avantis International Equity ETF	$2,051,388	$16,170 ▼	-0.8%	30,955	0.6%	ETF
MMC Marsh & McLennan Companies	$2,033,502	$12,446 ▲	0.6%	8,333	0.6%	Finance
COR Cencora	$2,025,886	$19,188 ▼	-0.9%	7,285	0.6%	Medical
ADI Analog Devices	$2,010,650	$3,832 ▲	0.2%	9,970	0.6%	Computer and Technology
PANW Palo Alto Networks	$2,002,119	$19,453 ▲	1.0%	11,733	0.6%	Computer and Technology
AMT American Tower	$1,985,382	$62,016 ▼	-3.0%	9,124	0.6%	Finance
HON Honeywell International	$1,944,500	$1,270 ▼	-0.1%	9,183	0.5%	Multi-Sector Conglomerates
ICE Intercontinental Exchange	$1,896,465	$5,693 ▼	-0.3%	10,994	0.5%	Finance
CVS CVS Health	$1,864,480	$737,594 ▲	65.5%	27,520	0.5%	Medical
BX Blackstone	$1,831,817	$41,654 ▲	2.3%	13,105	0.5%	Finance
SCHW Charles Schwab	$1,737,503	$56,988 ▲	3.4%	22,196	0.5%	Finance
KO Coca-Cola	$1,724,681	$24,924 ▼	-1.4%	24,081	0.5%	Consumer Staples
CMCSA Comcast	$1,648,803	$9,004 ▼	-0.5%	44,683	0.5%	Consumer Discretionary
GWW W.W. Grainger	$1,586,455	$42,477 ▼	-2.6%	1,606	0.4%	Industrials
ACN Accenture	$1,578,610	$64,904 ▲	4.3%	5,059	0.4%	Computer and Technology
SLB Schlumberger	$1,573,686	$100,738 ▲	6.8%	37,648	0.4%	Energy
SPY SPDR S&P 500 ETF Trust	$1,562,376	$43,632 ▼	-2.7%	2,793	0.4%	Finance
TFC Truist Financial	$1,553,124	$48,063 ▲	3.2%	37,743	0.4%	Finance
GSK GSK	$1,549,174	$44,706 ▼	-2.8%	39,989	0.4%	Medical
ADBE Adobe	$1,506,122	$20,327 ▼	-1.3%	3,927	0.4%	Computer and Technology
MAS Masco	$1,472,927	$9,527 ▼	-0.6%	21,181	0.4%	Construction
CVX Chevron	$1,464,624	$10,874 ▼	-0.7%	8,755	0.4%	Energy
MCD McDonald's	$1,460,954	$90,275 ▼	-5.8%	4,677	0.4%	Retail/Wholesale
NOW ServiceNow	$1,434,644	$86,779 ▲	6.4%	1,802	0.4%	Computer and Technology
ZBH Zimmer Biomet	$1,427,879	$22,070 ▼	-1.5%	12,616	0.4%	Medical
Blackrock Funding Inc	$1,365,771	$4,732 ▼	-0.3%	1,443	0.4%	COM
UNP Union Pacific	$1,345,151		0.0%	5,694	0.4%	Transportation
DIS Walt Disney	$1,270,861	$111,926 ▲	9.7%	12,876	0.4%	Consumer Discretionary
NEE NextEra Energy	$1,250,216	$41,187 ▼	-3.2%	17,636	0.4%	Utilities
ETN Eaton	$1,229,487	$101,936 ▲	9.0%	4,523	0.3%	Industrials
BMY Bristol-Myers Squibb	$1,185,768	$19,639 ▲	1.7%	19,442	0.3%	Medical
FDX FedEx	$1,182,821	$66,552 ▲	6.0%	4,852	0.3%	Transportation
EOG EOG Resources	$1,173,652	$12,952 ▼	-1.1%	9,152	0.3%	Energy
BDX Becton, Dickinson and Company	$1,142,551	$3,665 ▼	-0.3%	4,988	0.3%	Medical
BA Boeing	$1,125,630	$76,065 ▲	7.2%	6,600	0.3%	Aerospace
AVUS Avantis U.S. Equity ETF	$1,092,209		0.0%	11,823	0.3%	ETF
NKE NIKE	$1,091,221	$26,408 ▼	-2.4%	17,190	0.3%	Consumer Discretionary
CDW CDW	$1,086,723	$32,212 ▲	3.1%	6,781	0.3%	Computer and Technology
BBWI Bath & Body Works	$1,074,935	$49,816 ▲	4.9%	35,453	0.3%	Retail/Wholesale
DIA SPDR Dow Jones Industrial Average ETF Trust	$1,067,755		0.0%	2,543	0.3%	Finance
BNDX Vanguard Total International Bond ETF	$1,059,492	$11,863 ▲	1.1%	21,702	0.3%	ETF
PYPL PayPal	$1,049,677	$70,013 ▲	7.1%	16,087	0.3%	Computer and Technology
AMD Advanced Micro Devices	$963,496	$343,357 ▲	55.4%	9,378	0.3%	Computer and Technology
PFE Pfizer	$937,605	$8,996 ▲	1.0%	37,001	0.3%	Medical
BRK.B Berkshire Hathaway	$932,015	$7,989 ▲	0.9%	1,750	0.3%	Finance
GLW Corning	$904,521	$7,691 ▼	-0.8%	19,758	0.3%	Computer and Technology
DD DuPont de Nemours	$861,135	$3,585 ▲	0.4%	11,531	0.2%	Basic Materials
SPTL SPDR Portfolio Long Term Treasury ETF	$856,155	$101,271 ▼	-10.6%	31,407	0.2%	ETF
IBM International Business Machines	$813,367	$309,084 ▼	-27.5%	3,271	0.2%	Computer and Technology
HAL Halliburton	$806,791	$38,207 ▲	5.0%	31,801	0.2%	Energy
VIG Vanguard Dividend Appreciation ETF	$798,851		0.0%	4,118	0.2%	ETF
IWF iShares Russell 1000 Growth ETF	$764,066	$110,855 ▼	-12.7%	2,116	0.2%	ETF
MCHP Microchip Technology	$735,784	$250,377 ▲	51.6%	15,199	0.2%	Computer and Technology
FCX Freeport-McMoRan	$717,674	$1,855 ▲	0.3%	18,956	0.2%	Basic Materials
VZ Verizon Communications	$714,102	$14,016 ▼	-1.9%	15,743	0.2%	Computer and Technology
ROP Roper Technologies	$657,382		0.0%	1,115	0.2%	Computer and Technology
BIIB Biogen	$644,927	$248,912 ▲	62.9%	4,713	0.2%	Medical
SUB iShares Short-Term National Muni Bond ETF	$626,102		0.0%	5,929	0.2%	ETF
TIP iShares TIPS Bond ETF	$587,999	$25,551 ▲	4.5%	5,293	0.2%	ETF
IWD iShares Russell 1000 Value ETF	$558,271		0.0%	2,967	0.2%	ETF
HYG iShares iBoxx $ High Yield Corporate Bond ETF	$539,371	$17,356 ▼	-3.1%	6,837	0.2%	ETF
T AT&T	$497,813	$96,350 ▼	-16.2%	17,603	0.1%	Computer and Technology
MTB M&T Bank	$497,640		0.0%	2,784	0.1%	Finance
DFIC Dimensional International Core Equity 2 ETF	$481,143		0.0%	17,326	0.1%	ETF
ITW Illinois Tool Works	$463,283	$10,912 ▼	-2.3%	1,868	0.1%	Industrials
JNJ Johnson & Johnson	$428,199	$4,478 ▲	1.1%	2,582	0.1%	Medical
DE Deere & Company	$415,844		0.0%	886	0.1%	Industrials
WMT Walmart	$409,716	$4,741 ▲	1.2%	4,667	0.1%	Retail/Wholesale

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