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

CITIZENS & NORTHERN CORP

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

Q4 2025 · Filed 2026-01-28
Market Value
$404M
Holdings
130
+7
New Purchases
9
Added To
34
Closed
6
Reduced
67
Top 10 Concentration
51.5%
Turnover
11.5%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
FREL 7.24% 5.67% +1.58% $29M
CAT 0.60% 0.13% +0.46% $2M
KKR 0.45% 0.00% +0.45% $2M
GOOG 3.15% 2.73% +0.42% $13M
C 0.40% 0.00% +0.40% $2M
NFLX 0.36% 0.00% +0.36% $1M
EMR 0.33% 0.00% +0.33% $1M
INTU 0.33% 0.00% +0.33% $1M
TPR 0.27% 0.00% +0.27% $1M
CZNC 1.81% 1.58% +0.23% $7M
AMD 0.84% 0.64% +0.20% $3M
ADI 0.62% 0.43% +0.19% $3M
RTX 0.63% 0.47% +0.16% $3M
BA 0.48% 0.34% +0.14% $2M
AVDE 1.12% 1.00% +0.12% $5M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
VONG 11.09% 11.85% -0.75% $45M
MSFT 3.39% 4.01% -0.62% $14M
HON 0.09% 0.48% -0.39% $362K
TFC 0.06% 0.39% -0.33% $233K
JPM 1.60% 1.93% -0.32% $6M
BLK 0.06% 0.38% -0.32% $238K
ORCL 0.70% 1.01% -0.31% $3M
IEMG 5.52% 5.83% -0.30% $22M
NVDA 3.78% 4.07% -0.29% $15M
CMCSA 0.08% 0.35% -0.27% $330K
FDX 0.00% 0.26% -0.26% $0
CDW 0.00% 0.24% -0.24% $0
NSC 0.49% 0.71% -0.22% $2M
GD 0.45% 0.64% -0.19% $2M
HD 0.48% 0.66% -0.18% $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 33 $123M 30.4%
Large Cap 87 $210M 52.1%
Mid Cap 5 $2M 0.6%
Small Cap 4 $68M 16.8%
Micro Cap 1 $233K 0.1%

Portfolio Analytics

Avg Market Cap
$373.9B
Median Market Cap
$93.4B
Avg P/E
29.9
Median P/E
25.2
Avg Dividend Yield
0.02%
Avg Beta
0.93
# Stocks
96
# ETFs / Funds
34

Top Holdings (130 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 VONG 11.09% 367,716 $45M $121.75 -$3M -29,052 -7.3%
2 FREL 7.24% 1,087,071 $29M $26.89 $6M +264,741 +32.2%
3 IGE 6.13% 492,536 $25M $50.20 $421K -2,968 -0.6%
4 IEMG 5.52% 331,668 $22M $67.22 -$1M -25,119 -7.0%
5 IJH 4.23% 258,672 $17M $66.00 $215K +357 +0.1%
6 NVDA 3.78% 81,880 $15M $186.50 -$1M -6,151 -7.0%
7 AAPL 3.59% 53,237 $14M $271.86 -$262K -4,631 -8.0%
8 MSFT 3.39% 28,309 $14M $483.62 -$2M -2,922 -9.4%
9 SPMD 3.38% 235,643 $14M $57.91 $356K +3,261 +1.4%
10 EMB 3.15% 132,225 $13M $96.28 $293K +1,563 +1.2%
11 GOOG 3.15% 40,453 $13M $313.80 $2M -4,731 -10.5%
12 DFAC 2.34% 238,023 $9M $39.59 $460K +5,622 +2.4%
13 AMZN 2.16% 37,712 $9M $230.82 -$78K -2,286 -5.7%
14 CZNC 1.81% 361,412 $7M $20.17 $929K +40,323 +12.6%
15 CZFS 1.65% 117,063 $7M $57.02 -$383K -18 -0.0%
16 JPM 1.60% 20,091 $6M $322.22 -$1M -4,583 -18.6%
17 META 1.44% 8,780 $6M $660.09 -$603K +67 +0.8%
18 AVDE 1.12% 54,809 $5M $82.32 $483K +3,751 +7.3%
19 MA 1.11% 7,877 $4M $570.88 -$154K -299 -3.7%
20 COST 0.93% 4,373 $4M $862.34 -$481K -221 -4.8%
21 AMD 0.84% 15,877 $3M $214.16 $814K -108 -0.7%
22 MBB 0.83% 35,349 $3M $95.22 $95K +969 +2.8%
23 XOM 0.79% 26,338 $3M $120.34 $63K -1,217 -4.4%
24 ORCL 0.70% 14,504 $3M $194.91 -$1M +20 +0.1%
25 PG 0.66% 18,566 $3M $143.31 -$221K -190 -1.0%
26 TJX 0.64% 16,856 $3M $153.61 $66K -601 -3.4%
27 ABT 0.64% 20,562 $3M $125.29 -$354K -1,313 -6.0%
28 RTX 0.63% 13,774 $3M $183.40 $640K +2,503 +22.2%
29 CSCO 0.62% 32,735 $3M $77.03 $193K -1,298 -3.8%
30 ADI 0.62% 9,288 $3M $271.20 $771K +2,172 +30.5%
31 CAT 0.60% 4,214 $2M $572.87 $2M +3,084 +272.9%
32 ABC 0.59% 7,045 $2M $337.75 $51K -406 -5.5%
33 BX 0.58% 15,280 $2M $154.14 -$310K -322 -2.1%
34 AVGO 0.58% 6,719 $2M $346.10 $173K +196 +3.0%
35 CRM 0.56% 8,467 $2M $264.91 $146K -383 -4.3%
36 CVS 0.53% 26,828 $2M $79.36 -$1K -1,428 -5.0%
37 SCHW 0.53% 21,271 $2M $99.91 $15K -827 -3.7%
38 NSC 0.49% 6,836 $2M $288.72 -$895K -2,714 -28.4%
39 SPY 0.49% 2,877 $2M $681.92 $101K +84 +3.0%
40 BA 0.48% 8,980 $2M $217.12 $583K +2,649 +41.8%
41 GSK 0.48% 39,595 $2M $49.04 $149K -1,935 -4.7%
42 HD 0.48% 5,601 $2M $344.10 -$738K -978 -14.9%
43 GLW 0.47% 21,734 $2M $87.56 $290K +2,076 +10.6%
44 GD 0.45% 5,408 $2M $336.66 -$751K -2,134 -28.3%
45 KKR 0.45% 14,168 $2M $127.48 +14,168 NEW
46 JNJ 0.42% 8,196 $2M $206.95 $167K -49 -0.6%
47 KO 0.41% 23,393 $2M $69.91 $14K -1,060 -4.3%
48 C 0.40% 13,930 $2M $116.69 +13,930 NEW
49 PYPL 0.40% 27,351 $2M $58.38 $108K +5,145 +23.2%
50 AMT 0.39% 9,061 $2M $175.57 -$208K -291 -3.1%
51 AVUS 0.38% 13,829 $2M $111.78 $43K
52 ACN 0.37% 5,588 $1M $268.30 $88K -136 -2.4%
53 NFLX 0.36% 15,633 $1M $93.76 +15,633 NEW
54 DIS 0.36% 12,788 $1M $113.77 -$49K -346 -2.6%
55 ETN 0.36% 4,507 $1M $318.51 -$279K -75 -1.6%
56 CMG 0.35% 38,035 $1M $37.00 -$479K -10,105 -21.0%
57 NOW 0.35% 9,127 $1M $153.19 -$310K +7,271 +391.8%
58 NEE 0.34% 17,340 $1M $80.28 $26K -759 -4.2%
59 PANW 0.34% 7,509 $1M $184.20 -$188K -206 -2.7%
60 ICE 0.33% 8,324 $1M $161.96 -$103K -288 -3.3%
61 ADBE 0.33% 3,840 $1M $349.99 -$90K -225 -5.5%
62 SLB 0.33% 34,819 $1M $38.38 $91K -1,428 -3.9%
63 EMR 0.33% 9,993 $1M $132.72 +9,993 NEW
64 INTU 0.33% 2,001 $1M $662.42 +2,001 NEW
65 MDLZ 0.32% 24,204 $1M $53.83 -$669K -7,355 -23.3%
66 DIA 0.30% 2,543 $1M $480.57 $43K
67 BIIB 0.30% 6,912 $1M $175.99 $236K -84 -1.2%
68 MMC 0.30% 6,509 $1M $185.52 -$148K -219 -3.3%
69 PFE 0.30% 47,977 $1M $24.90 -$73K -1,776 -3.6%
70 CVX 0.29% 7,716 $1M $152.41 -$42K -126 -1.6%
71 UNP 0.29% 5,044 $1M $231.32 -$25K
72 BNDX 0.29% 24,121 $1M $48.32 $47K +1,509 +6.7%
73 EOG 0.28% 10,726 $1M $105.01 $123K +1,779 +19.9%
74 NKE 0.27% 17,005 $1M $63.71 -$88K +207 +1.2%
75 TPR 0.27% 8,383 $1M $127.77 +8,383 NEW
76 IWF 0.26% 2,254 $1M $473.30 $66K +118 +5.5%
77 CARR 0.26% 19,638 $1M $52.84 -$168K -556 -2.8%
78 BMY 0.25% 19,051 $1M $53.94 $143K -554 -2.8%
79 MCD 0.23% 3,090 $944K $305.63 -$20K -83 -2.6%
80 FCX 0.23% 17,999 $914K $50.79 $200K -220 -1.2%
81 DD 0.22% 22,119 $889K $40.20 -$5K +10,645 +92.8%
82 HYG 0.22% 10,822 $873K $80.63 $303K +3,803 +54.2%
83 IBM 0.21% 2,832 $839K $296.21 $32K -27 -0.9%
84 BDX 0.20% 4,235 $822K $194.07 -$443K -2,521 -37.3%
85 SPTL 0.20% 30,396 $805K $26.47 -$15K
86 SPTS 0.20% 26,935 $789K $29.28 $194K +6,641 +32.7%
87 AVEM 0.19% 10,143 $781K $77.02 $19K
88 MTB 0.18% 3,642 $734K $201.48 $65K +258 +7.6%
89 BRK-B 0.18% 1,456 $732K $502.65 -$34K -68 -4.5%
90 ZBH 0.18% 8,080 $727K $89.92 -$539K -4,768 -37.1%
91 IWD 0.16% 3,029 $637K $210.34 $63K +210 +7.5%
92 SUB 0.16% 5,929 $633K $106.70 -$475
93 VIG 0.16% 2,866 $630K $219.78 -$233K -1,135 -28.4%
94 VZ 0.15% 15,240 $621K $40.73 -$111K -1,400 -8.4%
95 DFIC 0.15% 17,326 $597K $34.46 $29K
96 TIP 0.15% 5,404 $594K $109.91 $23K +270 +5.3%
97 ROP 0.12% 1,115 $496K $445.13 -$60K
98 ITW 0.12% 1,898 $467K $246.30 -$22K +22 +1.2%
99 BBWI 0.11% 21,871 $439K $20.08 -$477K -13,687 -38.5%
100 DFEM 0.11% 12,833 $425K $33.08 $74K +1,910 +17.5%

New Positions

SymbolValue% Port
KKR $2M 0.45%
C $2M 0.40%
NFLX $1M 0.36%
EMR $1M 0.33%
INTU $1M 0.33%
TPR $1M 0.27%
XLV $412K 0.10%
IHI $384K 0.10%
XLY $270K 0.07%

Sold Out Positions

SymbolValue% Port
FDX —%
SYY —%
CDW —%
WMT —%
VO —%
F-PD —%
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