— Know what they know.
Not Investment Advice
Bank ← All Institutions

CITIZENS & NORTHERN CORP

90-92 MAIN ST, WELLSBORO, PA 16901 • 877-838-2517

Q2 2025 · Filed 2025-07-30
Market Value
$374M
+5.4%
Holdings
123
-6
New Purchases
6
Added To
42
Closed
5
Reduced
57
Top 10 Concentration
51.2%
Turnover
8.9%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
NVDA 3.72% 2.90% +0.82% $14M
MSFT 4.18% 3.38% +0.80% $16M
VONG 11.66% 10.96% +0.70% $44M
RTX 0.44% 0.00% +0.44% $2M
AVGO 0.50% 0.06% +0.44% $2M
CARR 0.39% 0.00% +0.39% $1M
AMD 0.62% 0.27% +0.35% $2M
ORCL 0.85% 0.59% +0.26% $3M
META 1.70% 1.47% +0.24% $6M
JNJ 0.35% 0.12% +0.23% $1M
GOOG 2.13% 1.91% +0.21% $8M
AMZN 2.35% 2.20% +0.16% $9M
SPTS 0.15% 0.00% +0.15% $554K
PYPL 0.43% 0.30% +0.14% $2M
JPM 1.93% 1.80% +0.13% $7M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
SPMD 3.38% 4.20% -0.83% $13M
IGE 5.86% 6.41% -0.55% $22M
AAPL 3.19% 3.72% -0.52% $12M
IJH 4.29% 4.78% -0.49% $16M
MAS 0.00% 0.42% -0.42% $0
GWW 0.08% 0.45% -0.37% $292K
COST 1.21% 1.48% -0.26% $5M
CZNC 1.64% 1.90% -0.26% $6M
MCHP 0.00% 0.21% -0.21% $0
FREL 5.93% 6.13% -0.19% $22M
MMC 0.39% 0.57% -0.18% $1M
MCD 0.25% 0.41% -0.16% $924K
XOM 0.80% 0.96% -0.16% $3M
PANW 0.42% 0.56% -0.14% $2M
ADI 0.45% 0.57% -0.12% $2M

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 59.4%
Technology 15.7%
Communication Services 5.3%
Industrials 4.5%
Consumer Cyclical 4.5%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 30 $111M 29.7%
Large Cap 82 $203M 54.3%
Mid Cap 5 $2M 0.6%
Small Cap 4 $57M 15.3%
Micro Cap 2 $458K 0.1%

Portfolio Analytics

Avg Market Cap
$353.2B
Median Market Cap
$94.1B
Avg P/E
32.3
Median P/E
24.3
Avg Dividend Yield
0.02%
Avg Beta
0.91
# Stocks
91
# ETFs / Funds
32

Top Holdings (123 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 VONG 11.66% 398,999 $44M $109.20 $5M -19,614 -4.7%
2 FREL 5.93% 820,011 $22M $27.04 $462K +29,642 +3.8%
3 IGE 5.86% 495,124 $22M $44.25 -$807K -4,467 -0.9%
4 IEMG 5.74% 357,392 $21M $60.03 $1M -13,845 -3.7%
5 IJH 4.29% 258,700 $16M $62.02 -$914K -31,928 -11.0%
6 MSFT 4.18% 31,425 $16M $497.41 $4M -496 -1.6%
7 NVDA 3.72% 88,057 $14M $157.99 $4M -6,888 -7.2%
8 SPMD 3.38% 232,206 $13M $54.38 -$2M -58,989 -20.3%
9 EMB 3.22% 129,961 $12M $92.62 $479K +2,370 +1.9%
10 AAPL 3.19% 58,164 $12M $205.17 -$1M -1,166 -2.0%
11 AMZN 2.35% 40,094 $9M $219.39 $1M -812 -2.0%
12 GOOG 2.13% 44,781 $8M $177.39 $1M +1,346 +3.1%
13 JPM 1.93% 24,901 $7M $289.91 $831K -1,140 -4.4%
14 CZFS 1.84% 117,081 $7M $58.72 $146K +1,159 +1.0%
15 META 1.70% 8,621 $6M $738.09 $1M -398 -4.4%
16 CZNC 1.64% 323,151 $6M $18.94 -$613K -11,498 -3.4%
17 DFAC 1.55% 161,211 $6M $35.84 $436K -701 -0.4%
18 MA 1.23% 8,168 $5M $561.94 $78K -63 -0.8%
19 COST 1.21% 4,581 $5M $989.94 -$706K -960 -17.3%
20 MBB 0.86% 34,380 $3M $93.89 $106K +1,090 +3.3%
21 ORCL 0.85% 14,452 $3M $218.63 $1M -481 -3.2%
22 PG 0.80% 18,759 $3M $159.32 -$158K +297 +1.6%
23 XOM 0.80% 27,598 $3M $107.80 -$431K -1,040 -3.6%
24 ABT 0.79% 21,796 $3M $136.01 $102K +216 +1.0%
25 CMG 0.73% 48,493 $3M $56.15 -$167K -9,067 -15.8%
26 NSC 0.65% 9,513 $2M $255.97 $185K +15 +0.2%
27 HD 0.64% 6,572 $2M $366.64 -$30K -85 -1.3%
28 CRM 0.64% 8,821 $2M $272.69 $14K -92 -1.0%
29 CSCO 0.63% 33,990 $2M $69.38 $255K -87 -0.3%
30 BX 0.62% 15,607 $2M $149.58 $503K +2,502 +19.1%
31 AMD 0.62% 16,247 $2M $141.90 $1M +6,869 +73.2%
32 AVDE 0.61% 30,873 $2M $74.01 $234K -82 -0.3%
33 ABC 0.60% 7,441 $2M $299.85 $205K +156 +2.1%
34 GD 0.60% 7,646 $2M $291.66 $167K +76 +1.0%
35 TJX 0.58% 17,484 $2M $123.49 $7K -186 -1.1%
36 MDLZ 0.58% 32,011 $2M $67.44 $36K +723 +2.3%
37 HON 0.57% 9,116 $2M $232.88 $178K -67 -0.7%
38 AMT 0.55% 9,302 $2M $221.02 $71K +178 +1.9%
39 SCHW 0.54% 21,944 $2M $91.24 $265K -252 -1.1%
40 CVS 0.52% 28,324 $2M $68.98 $89K +804 +2.9%
41 NOW 0.51% 1,853 $2M $1,028.08 $470K +51 +2.8%
42 AVGO 0.50% 6,812 $2M $275.65 $2M +5,549 +439.4%
43 SPY 0.46% 2,793 $2M $617.85 $163K
44 KO 0.46% 24,387 $2M $70.75 $699 +306 +1.3%
45 ADI 0.45% 7,039 $2M $238.02 -$335K -2,931 -29.4%
46 RTX 0.44% 11,383 $2M $146.02 +11,383 NEW
47 PYPL 0.43% 21,812 $2M $74.32 $571K +5,725 +35.6%
48 ETN 0.43% 4,530 $2M $356.99 $388K +7 +0.1%
49 DIS 0.43% 13,032 $2M $124.01 $345K +156 +1.2%
50 CMCSA 0.43% 44,900 $2M $35.69 -$46K +217 +0.5%
51 GSK 0.43% 41,436 $2M $38.40 $42K +1,447 +3.6%
52 PANW 0.42% 7,752 $2M $204.64 -$416K -3,981 -33.9%
53 ACN 0.42% 5,280 $2M $298.89 -$471 +221 +4.4%
54 ICE 0.42% 8,585 $2M $183.47 -$321K -2,409 -21.9%
55 ADBE 0.42% 4,066 $2M $386.88 $67K +139 +3.5%
56 TFC 0.42% 36,476 $2M $42.99 $15K -1,267 -3.4%
57 BLK 0.39% 1,402 $1M $1,049.25 $105K -41 -2.8%
58 CARR 0.39% 20,056 $1M $73.19 +20,056 NEW
59 MMC 0.39% 6,705 $1M $218.64 -$568K -1,628 -19.5%
60 BA 0.35% 6,316 $1M $209.53 $198K -284 -4.3%
61 JNJ 0.35% 8,536 $1M $152.75 $876K +5,954 +230.6%
62 NEE 0.33% 17,993 $1M $69.42 -$1K +357 +2.0%
63 SLB 0.33% 36,258 $1M $33.80 -$348K -1,390 -3.7%
64 UNP 0.33% 5,295 $1M $230.08 -$127K -399 -7.0%
65 PFE 0.32% 49,935 $1M $24.24 $273K +12,934 +35.0%
66 CDW 0.32% 6,702 $1M $178.59 $110K -79 -1.2%
67 ZBH 0.32% 12,908 $1M $91.21 -$251K +292 +2.3%
68 NKE 0.31% 16,410 $1M $71.04 $75K -780 -4.5%
69 AVUS 0.31% 11,523 $1M $100.82 $70K -300 -2.5%
70 CVX 0.31% 8,041 $1M $143.19 -$313K -714 -8.2%
71 BDX 0.30% 6,569 $1M $172.25 -$11K +1,581 +31.7%
72 DIA 0.30% 2,543 $1M $440.65 $53K
73 BNDX 0.30% 22,612 $1M $49.51 $60K +910 +4.2%
74 FDX 0.29% 4,829 $1M $227.31 -$85K -23 -0.5%
75 EOG 0.29% 8,921 $1M $119.61 -$107K -231 -2.5%
76 BBWI 0.28% 35,410 $1M $29.96 -$14K -43 -0.1%
77 GLW 0.28% 19,658 $1M $52.59 $129K -100 -0.5%
78 MCD 0.25% 3,163 $924K $292.17 -$537K -1,514 -32.4%
79 BMY 0.24% 19,646 $909K $46.29 -$276K +204 +1.1%
80 IWF 0.24% 2,136 $907K $424.58 $143K +20 +0.9%
81 BIIB 0.24% 7,028 $883K $125.59 $238K +2,315 +49.1%
82 VIG 0.23% 4,123 $844K $204.67 $45K +5 +0.1%
83 IBM 0.23% 2,859 $843K $294.78 $29K -412 -12.6%
84 SPTL 0.22% 30,543 $812K $26.58 -$44K -864 -2.8%
85 FCX 0.21% 18,019 $781K $43.35 $63K -937 -4.9%
86 DD 0.21% 11,376 $780K $68.59 -$81K -155 -1.3%
87 BRK-B 0.20% 1,574 $765K $485.77 -$167K -176 -10.1%
88 MTB 0.20% 3,891 $755K $193.99 $257K +1,107 +39.8%
89 VZ 0.18% 15,664 $678K $43.27 -$36K -79 -0.5%
90 ROP 0.17% 1,115 $632K $566.84 -$25K
91 SUB 0.17% 5,929 $630K $106.34 $4K
92 HAL 0.16% 30,075 $613K $20.38 -$194K -1,726 -5.4%
93 IWD 0.15% 2,967 $576K $194.23 $18K
94 HYG 0.15% 7,019 $566K $80.65 $27K +182 +2.7%
95 TIP 0.15% 5,134 $565K $110.04 -$23K -159 -3.0%
96 SPTS 0.15% 18,925 $554K $29.29 +18,925 NEW
97 DFIC 0.14% 17,326 $539K $31.09 $58K
98 T 0.13% 17,047 $493K $28.94 -$4K -556 -3.2%
99 ITW 0.12% 1,876 $464K $247.25 $558 +8 +0.4%
100 DE 0.12% 886 $451K $508.49 $35K

New Positions

SymbolValue% Port
RTX $2M 0.44%
CARR $1M 0.39%
SPTS $554K 0.15%
BNDC $244K 0.07%
ROK $221K 0.06%
ESG $214K 0.06%

Sold Out Positions

SymbolValue% Port
MAS —%
V —%
MCHP —%
MGK —%
VNQ —%
View SEC EDGAR Filings for CITIZENS & NORTHERN CORP →

Sign in to InsiderStreet

You'll also get our free weekly newsletter with
smart money signals, market insights, and alpha ideas.
Unsubscribe anytime.

For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms