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 $365.06 million in total holdings as of December 31, 2024.
Citizens & Northern owns shares of 126 different stocks, but just 40 companies or ETFs make up 80% of its holdings.
Approximately 16.66% of the portfolio was purchased this quarter.
About 7.31% of the portfolio was sold this quarter.
This quarter, Citizens & Northern has purchased 126 new stocks and bought additional shares in 72 stocks.
Citizens & Northern sold shares of 21 stocks and completely divested from 12 stocks this quarter.

Largest Holdings

Vanguard Russell 1000 Growth ETF: $43,236,628
Fidelity MSCI Real Estate Index ETF: $21,158,470
iShares North American Natural Resources ETF: $18,735,780
iShares Core MSCI Emerging Markets ETF: $18,362,954
iShares Core S&P Mid-Cap ETF: $15,574,945

Largest New Holdings this Quarter

iShares North American Natural Resources ETF: $18,735,780 Holding
iShares Core MSCI Emerging Markets ETF: $18,362,954 Holding
Blackrock Funding Inc: $1,484,359 Holding
M&T Bank: $523,420 Holding
SPDR NYSE Technology ETF: $299,703 Holding

Largest Purchases this Quarter

iShares North American Natural Resources ETF: 438,469 shares (about $18.74M)
iShares Core MSCI Emerging Markets ETF: 351,646 shares (about $18.36M)
Vanguard Russell 1000 Growth ETF: 43,305 shares (about $4.47M)
iShares J.P. Morgan USD Emerging Markets Bond ETF: 19,854 shares (about $1.77M)
Citizens Financial Services: 26,693 shares (about $1.69M)

Largest Sales this Quarter

FlexShares Global Upstream Natural Resources Index Fund: 470,266 shares (about $17.10M)
International Business Machines: 7,614 shares (about $1.67M)
AT&T: 30,751 shares (about $700.20K)
Fidelity MSCI Real Estate Index ETF: 21,126 shares (about $570.82K)
Oracle: 2,261 shares (about $376.77K)

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	$43,236,628	$4,473,406 ▲	11.5%	418,554	11.8%	ETF
FREL Fidelity MSCI Real Estate Index ETF	$21,158,470	$570,825 ▼	-2.6%	783,067	5.8%	ETF
IGE iShares North American Natural Resources ETF	$18,735,780	$18,735,780 ▲	New Holding	438,469	5.1%	ETF
IEMG iShares Core MSCI Emerging Markets ETF	$18,362,954	$18,362,954 ▲	New Holding	351,646	5.0%	ETF
IJH iShares Core S&P Mid-Cap ETF	$15,574,945	$144,746 ▲	0.9%	249,959	4.3%	ETF
SPMD SPDR Portfolio S&P 400 Mid Cap ETF	$15,341,256	$141,374 ▲	0.9%	280,513	4.2%	ETF
AAPL Apple	$15,129,625	$710,692 ▲	4.9%	60,417	4.1%	Computer and Technology
MSFT Microsoft	$13,748,487	$185,460 ▲	1.4%	32,618	3.8%	Computer and Technology
NVDA NVIDIA	$12,273,972	$100,986 ▲	0.8%	91,399	3.4%	Computer and Technology
EMB iShares J.P. Morgan USD Emerging Markets Bond ETF	$11,437,722	$1,767,800 ▲	18.3%	128,456	3.1%	ETF
GOOG Alphabet	$8,852,794	$53,895 ▲	0.6%	46,486	2.4%	Computer and Technology
AMZN Amazon.com	$8,707,589	$809,768 ▲	10.3%	39,690	2.4%	Retail/Wholesale
CZFS Citizens Financial Services	$7,339,022	$1,689,934 ▲	29.9%	115,922	2.0%	Finance
CZNC Citizens & Northern	$6,299,587	$193,291 ▲	3.2%	338,687	1.7%	Finance
JPM JPMorgan Chase & Co.	$6,165,821	$218,855 ▲	3.7%	25,722	1.7%	Finance
DFAC Dimensional U.S. Core Equity 2 ETF	$5,657,264		0.0%	163,552	1.5%	ETF
META Meta Platforms	$5,338,095	$87,241 ▼	-1.6%	9,117	1.5%	Computer and Technology
COST Costco Wholesale	$5,106,373	$26,572 ▼	-0.5%	5,573	1.4%	Retail/Wholesale
MA Mastercard	$4,303,130	$133,749 ▼	-3.0%	8,172	1.2%	Business Services
CMG Chipotle Mexican Grill	$3,473,159	$102,148 ▲	3.0%	57,598	1.0%	Retail/Wholesale
PG Procter & Gamble	$3,105,884	$13,580 ▲	0.4%	18,526	0.9%	Consumer Staples
MBB iShares MBS ETF	$3,087,874	$29,521 ▼	-0.9%	33,681	0.8%	ETF
XOM Exxon Mobil	$3,077,578	$215 ▼	0.0%	28,610	0.8%	Oils/Energy
CRM Salesforce	$3,021,006	$77,565 ▲	2.6%	9,036	0.8%	Computer and Technology
HD Home Depot	$2,631,517	$62,627 ▲	2.4%	6,765	0.7%	Retail/Wholesale
ORCL Oracle	$2,538,260	$376,773 ▼	-12.9%	15,232	0.7%	Computer and Technology
ABT Abbott Laboratories	$2,503,011	$62,550 ▲	2.6%	22,129	0.7%	Medical
NSC Norfolk Southern	$2,223,548	$48,348 ▲	2.2%	9,474	0.6%	Transportation
BX Blackstone	$2,208,183	$58,278 ▲	2.7%	12,807	0.6%	Finance
TJX TJX Companies	$2,159,358	$60,405 ▲	2.9%	17,874	0.6%	Retail/Wholesale
PANW Palo Alto Networks	$2,114,193	$1,113,777 ▲	111.3%	11,619	0.6%	Computer and Technology
ADI Analog Devices	$2,114,189	$112,179 ▲	5.6%	9,951	0.6%	Computer and Technology
HON Honeywell International	$2,075,703	$46,985 ▲	2.3%	9,189	0.6%	Multi-Sector Conglomerates
GD General Dynamics	$2,061,809	$77,203 ▲	3.9%	7,825	0.6%	Aerospace
GUNR FlexShares Global Upstream Natural Resources Index Fund	$2,048,450	$17,098,874 ▼	-89.3%	56,338	0.6%	ETF
CSCO Cisco Systems	$1,962,835	$76,309 ▲	4.0%	33,156	0.5%	Computer and Technology
MDLZ Mondelez International	$1,923,605	$68,271 ▲	3.7%	32,205	0.5%	Consumer Staples
AVDE Avantis International Equity ETF	$1,914,683	$6,751 ▼	-0.4%	31,199	0.5%	ETF
NOW ServiceNow	$1,794,783	$223,685 ▲	14.2%	1,693	0.5%	Computer and Technology
ADBE Adobe	$1,769,826	$31,128 ▲	1.8%	3,980	0.5%	Computer and Technology
MMC Marsh & McLennan Companies	$1,759,180	$85,814 ▲	5.1%	8,282	0.5%	Finance
GWW W.W. Grainger	$1,738,128	$52,702 ▲	3.1%	1,649	0.5%	Industrial Products
AMT American Tower	$1,725,705	$15,406 ▲	0.9%	9,409	0.5%	Finance
ACN Accenture	$1,706,533	$1,193,271 ▲	232.5%	4,851	0.5%	Computer and Technology
CMCSA Comcast	$1,686,110	$115,029 ▲	7.3%	44,927	0.5%	Consumer Discretionary
SPY SPDR S&P 500 ETF Trust	$1,682,636		0.0%	2,871	0.5%	Finance
COR Cencora	$1,652,297	$47,632 ▲	3.0%	7,354	0.5%	Medical
ICE Intercontinental Exchange	$1,643,133	$54,538 ▲	3.4%	11,027	0.5%	Finance
SCHW Charles Schwab	$1,588,847	$72,678 ▲	4.8%	21,468	0.4%	Finance
TFC Truist Financial	$1,586,624	$39,346 ▲	2.5%	36,575	0.4%	Finance
MAS Masco	$1,547,047	$57,911 ▲	3.9%	21,318	0.4%	Construction
KO Coca-Cola	$1,520,950	$39,597 ▲	2.7%	24,429	0.4%	Consumer Staples
Blackrock Funding Inc	$1,484,359	$1,484,359 ▲	New Holding	1,448	0.4%	COM
MCD McDonald's	$1,439,594	$108,999 ▼	-7.0%	4,966	0.4%	Retail/Wholesale
GSK GSK	$1,391,456	$40,821 ▲	3.0%	41,143	0.4%	Medical
ETN Eaton	$1,376,597	$1,069,617 ▲	348.4%	4,148	0.4%	Industrial Products
ZBH Zimmer Biomet	$1,353,226	$64,434 ▲	5.0%	12,811	0.4%	Medical
SLB Schlumberger	$1,351,025	$214,321 ▲	18.9%	35,238	0.4%	Oils/Energy
NKE NIKE	$1,332,246	$118,953 ▲	9.8%	17,606	0.4%	Consumer Discretionary
BBWI Bath & Body Works	$1,310,814	$537,352 ▲	69.5%	33,810	0.4%	Retail/Wholesale
DIS Walt Disney	$1,307,472	$33,294 ▲	2.6%	11,742	0.4%	Consumer Discretionary
NEE NextEra Energy	$1,305,977	$1,219 ▼	-0.1%	18,217	0.4%	Utilities
UNP Union Pacific	$1,298,460	$148,226 ▲	12.9%	5,694	0.4%	Transportation
FDX FedEx	$1,288,210	$205,934 ▲	19.0%	4,579	0.4%	Transportation
PYPL PayPal	$1,281,445	$84,070 ▲	7.0%	15,014	0.4%	Computer and Technology
CVX Chevron	$1,277,489	$143,392 ▲	12.6%	8,820	0.3%	Oils/Energy
AVUS Avantis U.S. Equity ETF	$1,146,003		0.0%	11,823	0.3%	ETF
CDW CDW	$1,145,183	$32,545 ▲	2.9%	6,580	0.3%	Computer and Technology
BDX Becton, Dickinson and Company	$1,135,257	$25,183 ▲	2.3%	5,004	0.3%	Medical
EOG EOG Resources	$1,134,233	$6,252 ▲	0.6%	9,253	0.3%	Oils/Energy
BA Boeing	$1,089,258	$43,719 ▲	4.2%	6,154	0.3%	Aerospace
DIA SPDR Dow Jones Industrial Average ETF Trust	$1,082,047		0.0%	2,543	0.3%	Finance
BMY Bristol-Myers Squibb	$1,081,427	$284,271 ▲	35.7%	19,120	0.3%	Medical
BNDX Vanguard Total International Bond ETF	$1,052,564		0.0%	21,459	0.3%	ETF
IBM International Business Machines	$992,313	$1,673,786 ▼	-62.8%	4,514	0.3%	Computer and Technology
IWF iShares Russell 1000 Growth ETF	$973,028		0.0%	2,423	0.3%	ETF
PFE Pfizer	$972,218	$67,519 ▲	7.5%	36,646	0.3%	Medical
GLW Corning	$946,884		0.0%	19,926	0.3%	Computer and Technology
SPTL SPDR Portfolio Long Term Treasury ETF	$919,845	$86,925 ▲	10.4%	35,122	0.3%	ETF
DD DuPont de Nemours	$875,579	$30,348 ▲	3.6%	11,483	0.2%	Basic Materials
HAL Halliburton	$823,721	$52,123 ▲	6.8%	30,295	0.2%	Oils/Energy
VIG Vanguard Dividend Appreciation ETF	$806,428		0.0%	4,118	0.2%	ETF
BRK.B Berkshire Hathaway	$786,441	$237,972 ▲	43.4%	1,735	0.2%	Finance
CVS CVS Health	$746,655	$315,846 ▼	-29.7%	16,633	0.2%	Retail/Wholesale
AMD Advanced Micro Devices	$729,088	$476,154 ▲	188.3%	6,036	0.2%	Computer and Technology
FCX Freeport-McMoRan	$719,979	$17,136 ▲	2.4%	18,907	0.2%	Basic Materials
VZ Verizon Communications	$641,919	$119,210 ▲	22.8%	16,052	0.2%	Computer and Technology
IHF iShares U.S. Healthcare Providers ETF	$629,629	$429,271 ▲	214.3%	13,120	0.2%	ETF
SUB iShares Short-Term National Muni Bond ETF	$625,391		0.0%	5,929	0.2%	ETF
ROP Roper Technologies	$579,633		0.0%	1,115	0.2%	Computer and Technology
MCHP Microchip Technology	$575,048	$171,878 ▼	-23.0%	10,027	0.2%	Computer and Technology
HYG iShares iBoxx $ High Yield Corporate Bond ETF	$555,033	$49,471 ▼	-8.2%	7,057	0.2%	ETF
IWD iShares Russell 1000 Value ETF	$549,281		0.0%	2,967	0.2%	ETF
TIP iShares TIPS Bond ETF	$539,463	$161,850 ▲	42.9%	5,063	0.1%	ETF
MTB M&T Bank	$523,420	$523,420 ▲	New Holding	2,784	0.1%	Finance
ITW Illinois Tool Works	$484,807	$59,587 ▲	14.0%	1,912	0.1%	Industrial Products
T AT&T	$478,398	$700,201 ▼	-59.4%	21,010	0.1%	Computer and Technology
DFIC Dimensional International Core Equity 2 ETF	$447,790		0.0%	17,326	0.1%	ETF
BIIB Biogen	$442,550	$203,078 ▼	-31.5%	2,894	0.1%	Medical
AVEM Avantis Emerging Markets Equity ETF	$421,172	$7,760 ▼	-1.8%	7,164	0.1%	ETF

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