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

CITIZENS & NORTHERN CORP

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

Q3 2025 · Filed 2025-10-24
Market Value
$404M
+8.0%
Holdings
123
New Purchases
5
Added To
48
Closed
2
Reduced
46
Top 10 Concentration
51.6%
Turnover
5.7%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
DFAC 2.22% 1.55% +0.68% $9M
GOOG 2.73% 2.13% +0.60% $11M
AAPL 3.65% 3.19% +0.46% $15M
AVDE 1.00% 0.61% +0.39% $4M
NVDA 4.07% 3.72% +0.35% $16M
VONG 11.85% 11.66% +0.19% $48M
ORCL 1.01% 0.85% +0.16% $4M
IGE 6.02% 5.86% +0.16% $24M
GLW 0.40% 0.28% +0.12% $2M
IEMG 5.83% 5.74% +0.09% $24M
AVEM 0.19% 0.11% +0.08% $762K
CMI 0.06% 0.00% +0.06% $253K
AVUS 0.37% 0.31% +0.06% $2M
VNQ 0.06% 0.00% +0.06% $245K
NSC 0.71% 0.65% +0.06% $3M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
FREL 5.67% 5.93% -0.27% $23M
CMG 0.47% 0.73% -0.26% $2M
AMZN 2.18% 2.35% -0.18% $9M
MSFT 4.01% 4.18% -0.17% $16M
COST 1.05% 1.21% -0.16% $4M
EMB 3.08% 3.22% -0.14% $12M
CRM 0.52% 0.64% -0.12% $2M
META 1.59% 1.70% -0.12% $6M
IJH 4.18% 4.29% -0.12% $17M
AMT 0.45% 0.55% -0.10% $2M
CARR 0.30% 0.39% -0.09% $1M
CZFS 1.75% 1.84% -0.09% $7M
MDLZ 0.49% 0.58% -0.09% $2M
HON 0.48% 0.57% -0.09% $2M
NOW 0.42% 0.51% -0.09% $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 31 $123M 30.5%
Large Cap 81 $217M 53.8%
Mid Cap 5 $2M 0.6%
Small Cap 4 $61M 15.0%
Micro Cap 2 $238K 0.1%

Portfolio Analytics

Avg Market Cap
$387.7B
Median Market Cap
$98.9B
Avg P/E
29.9
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 11.85% 396,768 $48M $120.50 $4M -2,231 -0.6%
2 IGE 6.02% 495,504 $24M $49.05 $2M +380 +0.1%
3 IEMG 5.83% 356,787 $24M $65.92 $2M -605 -0.2%
4 FREL 5.67% 822,330 $23M $27.81 $696K +2,319 +0.3%
5 IJH 4.18% 258,315 $17M $65.26 $813K -385 -0.1%
6 NVDA 4.07% 88,031 $16M $186.58 $3M -26 -0.0%
7 MSFT 4.01% 31,231 $16M $517.95 $545K -194 -0.6%
8 AAPL 3.65% 57,868 $15M $254.63 $3M -296 -0.5%
9 SPMD 3.29% 232,382 $13M $57.19 $663K +176 +0.1%
10 EMB 3.08% 130,662 $12M $95.19 $401K +701 +0.5%
11 GOOG 2.73% 45,184 $11M $243.55 $3M +403 +0.9%
12 DFAC 2.22% 232,401 $9M $38.57 $3M +71,190 +44.2%
13 AMZN 2.18% 39,998 $9M $219.57 -$14K -96 -0.2%
14 JPM 1.93% 24,674 $8M $315.43 $564K -227 -0.9%
15 CZFS 1.75% 117,081 $7M $60.28 $183K
16 META 1.59% 8,713 $6M $734.38 $36K +92 +1.1%
17 CZNC 1.58% 321,089 $6M $19.81 $240K -2,062 -0.6%
18 MA 1.15% 8,176 $5M $568.81 $61K +8 +0.1%
19 COST 1.05% 4,594 $4M $925.63 -$283K +13 +0.3%
20 ORCL 1.01% 14,484 $4M $281.24 $914K +32 +0.2%
21 AVDE 1.00% 51,058 $4M $78.90 $2M +20,185 +65.4%
22 MBB 0.81% 34,380 $3M $95.15 $43K
23 XOM 0.77% 27,555 $3M $112.75 $132K -43 -0.2%
24 ABT 0.73% 21,875 $3M $133.94 -$35K +79 +0.4%
25 PG 0.71% 18,756 $3M $153.65 -$107K -3 -0.0%
26 NSC 0.71% 9,550 $3M $300.41 $434K +37 +0.4%
27 HD 0.66% 6,579 $3M $405.19 $256K +7 +0.1%
28 BX 0.66% 15,602 $3M $170.85 $331K -5 -0.0%
29 AMD 0.64% 15,985 $3M $161.79 $281K -262 -1.6%
30 GD 0.64% 7,542 $3M $341.00 $342K -104 -1.4%
31 TJX 0.63% 17,457 $3M $144.54 $364K -27 -0.1%
32 ABC 0.58% 7,451 $2M $312.53 $97K +10 +0.1%
33 CSCO 0.58% 34,033 $2M $68.42 -$30K +43 +0.1%
34 AVGO 0.53% 6,523 $2M $329.91 $274K -289 -4.2%
35 CVS 0.53% 28,256 $2M $75.39 $176K -68 -0.2%
36 SCHW 0.52% 22,098 $2M $95.47 $108K +154 +0.7%
37 CRM 0.52% 8,850 $2M $237.00 -$308K +29 +0.3%
38 MDLZ 0.49% 31,559 $2M $62.47 -$187K -452 -1.4%
39 HON 0.48% 9,209 $2M $210.50 -$184K +93 +1.0%
40 CMG 0.47% 48,140 $2M $39.19 -$836K -353 -0.7%
41 RTX 0.47% 11,271 $2M $167.33 $224K -112 -1.0%
42 SPY 0.46% 2,793 $2M $666.18 $135K
43 AMT 0.45% 9,352 $2M $192.32 -$257K +50 +0.5%
44 GSK 0.44% 41,530 $2M $43.16 $201K +94 +0.2%
45 ADI 0.43% 7,116 $2M $245.70 $73K +77 +1.1%
46 ETN 0.42% 4,582 $2M $374.25 $98K +52 +1.1%
47 NOW 0.42% 1,856 $2M $920.28 -$197K +3 +0.2%
48 KO 0.40% 24,453 $2M $66.32 -$104K +66 +0.3%
49 GLW 0.40% 19,658 $2M $82.03 $579K
50 PANW 0.39% 7,715 $2M $203.62 -$15K -37 -0.5%
51 TFC 0.39% 34,348 $2M $45.72 $2K -2,128 -5.8%
52 BLK 0.38% 1,314 $2M $1,165.87 $61K -88 -6.3%
53 JNJ 0.38% 8,245 $2M $185.42 $225K -291 -3.4%
54 DIS 0.37% 13,134 $2M $114.50 -$112K +102 +0.8%
55 AVUS 0.37% 13,829 $2M $108.70 $341K +2,306 +20.0%
56 PYPL 0.37% 22,206 $1M $67.06 -$132K +394 +1.8%
57 ICE 0.36% 8,612 $1M $168.48 -$124K +27 +0.3%
58 ADBE 0.36% 4,065 $1M $352.75 -$139K -1 -0.0%
59 CMCSA 0.35% 45,149 $1M $31.42 -$184K +249 +0.6%
60 ACN 0.35% 5,724 $1M $246.60 -$167K +444 +8.4%
61 BA 0.34% 6,331 $1M $215.83 $43K +15 +0.2%
62 NEE 0.34% 18,099 $1M $75.49 $117K +106 +0.6%
63 MMC 0.34% 6,728 $1M $201.53 -$110K +23 +0.3%
64 PFE 0.31% 49,753 $1M $25.48 $57K -182 -0.4%
65 ZBH 0.31% 12,848 $1M $98.50 $88K -60 -0.5%
66 BDX 0.31% 6,756 $1M $187.17 $133K +187 +2.9%
67 SLB 0.31% 36,247 $1M $34.37 $20K -11 -0.0%
68 CVX 0.30% 7,842 $1M $155.29 $66K -199 -2.5%
69 CARR 0.30% 20,194 $1M $59.70 -$262K +138 +0.7%
70 UNP 0.30% 5,044 $1M $236.37 -$26K -251 -4.7%
71 DIA 0.29% 2,543 $1M $463.74 $59K
72 NKE 0.29% 16,798 $1M $69.73 $6K +388 +2.4%
73 BNDX 0.28% 22,612 $1M $49.46 -$1K
74 FDX 0.26% 4,518 $1M $235.81 -$32K -311 -6.4%
75 EOG 0.25% 8,947 $1M $112.12 -$64K +26 +0.3%
76 IWF 0.25% 2,136 $1M $468.41 $94K
77 CDW 0.24% 6,196 $987K $159.28 -$210K -506 -7.5%
78 BIIB 0.24% 6,996 $980K $140.08 $97K -32 -0.5%
79 MCD 0.24% 3,173 $964K $303.89 $40K +10 +0.3%
80 BBWI 0.23% 35,558 $916K $25.76 -$145K +148 +0.4%
81 DD 0.22% 11,474 $894K $77.90 $114K +98 +0.9%
82 BMY 0.22% 19,605 $884K $45.10 -$25K -41 -0.2%
83 VIG 0.21% 4,001 $863K $215.79 $20K -122 -3.0%
84 SPTL 0.20% 30,396 $819K $26.95 $7K -147 -0.5%
85 IBM 0.20% 2,859 $807K $282.16 -$36K
86 BRK-B 0.19% 1,524 $766K $502.74 $2K -50 -3.2%
87 AVEM 0.19% 10,143 $762K $75.11 $349K +4,120 +68.4%
88 VZ 0.18% 16,640 $731K $43.95 $54K +976 +6.2%
89 FCX 0.18% 18,219 $715K $39.22 -$67K +200 +1.1%
90 HAL 0.17% 27,878 $686K $24.60 $73K -2,197 -7.3%
91 MTB 0.17% 3,384 $669K $197.62 -$86K -507 -13.0%
92 SUB 0.16% 5,929 $633K $106.78 $3K
93 SPTS 0.15% 20,294 $595K $29.32 $41K +1,369 +7.2%
94 IWD 0.14% 2,819 $574K $203.59 -$2K -148 -5.0%
95 TIP 0.14% 5,134 $571K $111.22 $6K
96 HYG 0.14% 7,019 $570K $81.19 $4K
97 DFIC 0.14% 17,326 $568K $32.79 $29K
98 ROP 0.14% 1,115 $556K $498.69 -$76K
99 CAT 0.13% 1,130 $539K $477.15 $170K +179 +18.8%
100 ITW 0.12% 1,876 $489K $260.76 $25K

New Positions

SymbolValue% Port
CMI $253K 0.06%
VNQ $245K 0.06%
GOOGL $235K 0.06%
SYY $206K 0.05%
VO $200K 0.05%

Sold Out Positions

SymbolValue% Port
FDS —%
ESG —%
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