CITIZENS & NORTHERN CORP
CIK 0000810958
Annualised vol
7.122876%
Beta
0.34641
HHI
411.904824
Top-10 weight
52.257084%
VaR 95%
0.666881%
VaR 99%
1.325078%
Max drawdown
11.964535%
Matched value
36.933055%
Returns of reported holdings
Loading returns…
Position changes vs prior quarter
What the latest 13F shows bought and sold against the quarter before, by share count.
| Ticker | Change | Shares now | Shares before | Share change % | Value now ($) |
|---|---|---|---|---|---|
| NVDA | REDUCED | 81,995 | 82,890 | -1.08% | 16,406,380 |
| GOOGL | REDUCED | 40,261 | 40,955 | -1.69% | 14,228,680 |
| MSFT | REDUCED | 29,135 | 29,660 | -1.77% | 10,867,938 |
| CZFS | UNCHANGED | 117,063 | 117,063 | 0.0% | 8,480,044 |
| CZNC | REDUCED | 349,492 | 359,853 | -2.88% | 8,146,666 |
| AMD | REDUCED | 12,718 | 15,313 | -16.95% | 7,388,013 |
| JPM | REDUCED | 17,802 | 20,197 | -11.86% | 5,827,129 |
| META | REDUCED | 8,787 | 9,981 | -11.96% | 4,949,629 |
| CAT | REDUCED | 3,846 | 4,487 | -14.29% | 4,095,605 |
| MA | REDUCED | 7,840 | 8,189 | -4.26% | 4,026,624 |
| COST | REDUCED | 4,291 | 4,302 | -0.26% | 4,014,102 |
| ADI | REDUCED | 7,847 | 9,817 | -20.07% | 3,116,593 |
| KLAC | ADDED | 9,472 | 952 | 894.96% | 2,857,797 |
| CSCO | REDUCED | 23,191 | 32,671 | -29.02% | 2,724,015 |
| CVS | REDUCED | 26,315 | 27,288 | -3.57% | 2,722,287 |
| PG | REDUCED | 18,475 | 18,707 | -1.24% | 2,709,174 |
| RTX | REDUCED | 12,701 | 13,777 | -7.81% | 2,409,761 |
| ETN | REDUCED | 5,356 | 5,937 | -9.79% | 2,282,299 |
| JNJ | ADDED | 8,218 | 8,053 | 2.05% | 2,087,125 |
| ORCL | REDUCED | 14,024 | 14,371 | -2.41% | 2,055,217 |
| GSK | REDUCED | 39,176 | 40,036 | -2.15% | 2,053,606 |
| COR | ADDED | 7,156 | 7,051 | 1.49% | 2,025,005 |
| MDT | ADDED | 25,866 | 22,600 | 14.45% | 2,023,497 |
| HD | REDUCED | 5,627 | 5,779 | -2.63% | 1,984,530 |
| BA | REDUCED | 9,062 | 9,252 | -2.05% | 1,961,651 |
| KO | REDUCED | 22,806 | 23,347 | -2.32% | 1,853,444 |
| GD | REDUCED | 5,113 | 5,272 | -3.02% | 1,811,229 |
| BX | REDUCED | 15,154 | 15,377 | -1.45% | 1,783,171 |
| CRM | ADDED | 11,156 | 8,947 | 24.69% | 1,747,699 |
| EMR | REDUCED | 12,112 | 13,718 | -11.71% | 1,733,833 |
| FCX | ADDED | 26,951 | 25,755 | 4.64% | 1,694,948 |
| SLB | REDUCED | 34,757 | 34,991 | -0.67% | 1,615,853 |
| KKR | REDUCED | 16,253 | 16,365 | -0.68% | 1,491,700 |
| NEE | REDUCED | 16,899 | 17,231 | -1.93% | 1,483,225 |
| UNP | UNCHANGED | 5,049 | 5,049 | 0.0% | 1,373,328 |
| MDLZ | REDUCED | 23,556 | 24,013 | -1.9% | 1,362,479 |
| BMY | ADDED | 23,628 | 18,997 | 24.38% | 1,361,445 |
| OVV | ADDED | 25,711 | 22,649 | 13.52% | 1,353,684 |
| NFLX | ADDED | 17,453 | 11,003 | 58.62% | 1,246,144 |
| CVX | REDUCED | 7,408 | 7,553 | -1.92% | 1,227,950 |
| BDX | ADDED | 7,783 | 6,153 | 26.49% | 1,177,801 |
| PYPL | REDUCED | 27,154 | 27,918 | -2.74% | 1,172,510 |
| PFE | REDUCED | 47,939 | 48,483 | -1.12% | 1,154,371 |
| YUM | ADDED | 7,052 | 6,926 | 1.82% | 1,127,333 |
| PCAR | ADDED | 9,187 | 7,579 | 21.22% | 1,103,542 |
| ZBH | ADDED | 12,277 | 12,228 | 0.4% | 1,056,927 |
| MTB | UNCHANGED | 3,642 | 3,642 | 0.0% | 866,832 |
| MCD | REDUCED | 2,946 | 3,062 | -3.79% | 796,333 |
| BBWI | REDUCED | 33,308 | 33,341 | -0.1% | 770,414 |
| BRK-B | UNCHANGED | 1,449 | 1,449 | 0.0% | 725,065 |
| IBM | REDUCED | 2,532 | 2,783 | -9.02% | 712,024 |
| VZ | ADDED | 16,704 | 15,440 | 8.19% | 707,247 |
| ACN | REDUCED | 5,633 | 5,677 | -0.78% | 700,971 |
| INTU | ADDED | 2,664 | 2,621 | 1.64% | 695,304 |
| NKE | REDUCED | 16,461 | 17,058 | -3.5% | 675,724 |
| DE | UNCHANGED | 880 | 880 | 0.0% | 558,210 |
| CMI | UNCHANGED | 603 | 603 | 0.0% | 430,066 |
| LLY | REDUCED | 336 | 389 | -13.62% | 403,008 |
| DGX | REDUCED | 1,540 | 1,550 | -0.65% | 326,403 |
| ITW | REDUCED | 1,198 | 1,914 | -37.41% | 324,023 |
| T | REDUCED | 12,702 | 17,037 | -25.44% | 262,931 |
| NSC | REDUCED | 793 | 1,270 | -37.56% | 249,470 |
| CRS | NEW | 382 | - | - | 235,633 |
| GWW | NEW | 157 | - | - | 213,583 |
| TXN | NEW | 713 | - | - | 212,524 |
| BOKF | NEW | 1,520 | - | - | 211,098 |
| CBU | NEW | 3,083 | - | - | 206,931 |
| IMO | UNCHANGED | 1,800 | 1,800 | 0.0% | 201,636 |
| CMCSA | CLOSED OUT | 0 | 10,554 | -100.0% | 0 |
| HAL | CLOSED OUT | 0 | 6,182 | -100.0% | 0 |
| EOG | CLOSED OUT | 0 | 1,775 | -100.0% | 0 |
| HON | CLOSED OUT | 0 | 1,103 | -100.0% | 0 |
Holdings (latest quarter)
| Ticker | Change | Issuer | Class | CUSIP | Value ($) | Weight % | Shares |
|---|---|---|---|---|---|---|---|
| - | Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 59,070,587 | 13.5 | 462175.0 | |
| - | iShares Core MSCI Emerging Mkts ETF | CORE MSCI EMKT | 46434G103 | 28,177,032 | 6.44 | 340138.0 | |
| - | Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 27,941,476 | 6.38 | 953634.0 | |
| - | iShares North American Natural Resources ETF | NORTH AMERN NAT | 464287374 | 24,040,433 | 5.49 | 427918.0 | |
| - | iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 16,781,989 | 3.83 | 217637.0 | |
| NVDA | REDUCED | Nvidia Corp | COM | 67066G104 | 16,406,380 | 3.75 | 81995.0 |
| - | Apple Computer Inc | COM | 037833100 | 15,486,837 | 3.54 | 53521.0 | |
| - | State Street SPDR Portfolio S&P 400 Mid Cap ETF | ST STR P400MID | 78464A847 | 14,061,871 | 3.21 | 208139.0 | |
| GOOGL | REDUCED | Alphabet Inc Class C | CAP STK CL C | 02079K107 | 13,940,282 | 3.18 | 39454.0 |
| - | iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 12,820,251 | 2.93 | 132935.0 | |
| MSFT | REDUCED | Microsoft Corp | COM | 594918104 | 10,867,938 | 2.48 | 29135.0 |
| - | Dimensional U.S. Core Equity 2 ETF | US COR EQU 2 ETF | 25434V708 | 10,558,700 | 2.41 | 238023.0 | |
| - | Amazon Communications Inc | COM | 023135106 | 9,016,641 | 2.06 | 37831.0 | |
| CZFS | UNCHANGED | Citizens Financial Services Inc | COM | 174615104 | 8,480,044 | 1.94 | 117063.0 |
| CZNC | REDUCED | Citizens & Northern Corp | COM | 172922106 | 8,146,666 | 1.86 | 349492.0 |
| AMD | REDUCED | Advanced Micro Devices Inc | COM | 007903107 | 7,388,013 | 1.69 | 12718.0 |
| JPM | REDUCED | JPMorgan Chase & Co | COM | 46625H100 | 5,827,129 | 1.33 | 17802.0 |
| - | Corning Inc | COM | 219350105 | 5,021,243 | 1.15 | 19658.0 | |
| META | REDUCED | Meta Platforms Inc | CL A | 30303M102 | 4,949,629 | 1.13 | 8787.0 |
| - | Avantis International Equity ETF | INTL EQT ETF | 025072703 | 4,888,963 | 1.12 | 54809.0 | |
| - | Broadcom Inc Common | COM | 11135F101 | 4,793,648 | 1.1 | 12690.0 | |
| - | Wells Fargo & Co New | COM | 949746101 | 4,277,694 | 0.98 | 51763.0 | |
| CAT | REDUCED | Caterpillar Inc | COM | 149123101 | 4,095,605 | 0.94 | 3846.0 |
| MA | REDUCED | Mastercard Inc Class A | CL A | 57636Q104 | 4,026,624 | 0.92 | 7840.0 |
| COST | REDUCED | Costco Wholesale Corp (New) | COM | 22160K105 | 4,014,102 | 0.92 | 4291.0 |
| - | Exxon Mobil Corp | COM | 30231G102 | 3,530,657 | 0.81 | 25824.0 | |
| ADI | REDUCED | Analog Devices Inc | COM | 032654105 | 3,116,593 | 0.71 | 7847.0 |
| - | iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 2,941,273 | 0.67 | 31118.0 | |
| KLAC | ADDED | KLA Corporation | COM NEW | 482480100 | 2,857,797 | 0.65 | 9472.0 |
| CSCO | REDUCED | Cisco Systems Inc | COM | 17275R102 | 2,724,015 | 0.62 | 23191.0 |
| CVS | REDUCED | CVS Health Corporation | COM | 126650100 | 2,722,287 | 0.62 | 26315.0 |
| PG | REDUCED | Procter & Gamble Co | COM | 742718109 | 2,709,174 | 0.62 | 18475.0 |
| - | Tjx Companies (New) | COM | 872540109 | 2,543,231 | 0.58 | 16787.0 | |
| - | Palo Alto Networks Inc Common | COM | 697435105 | 2,477,851 | 0.57 | 7266.0 | |
| RTX | REDUCED | RTX Corporation | COM | 75513E101 | 2,409,761 | 0.55 | 12701.0 |
| - | Citigroup Inc Common New | COM NEW | 172967424 | 2,294,084 | 0.52 | 16391.0 | |
| ETN | REDUCED | Eaton Corp | SHS | G29183103 | 2,282,299 | 0.52 | 5356.0 |
| - | Charles Schwab Corp | COM | 808513105 | 2,267,074 | 0.52 | 24570.0 | |
| - | State Street SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 2,148,457 | 0.49 | 2877.0 | |
| JNJ | ADDED | Johnson & Johnson | COM | 478160104 | 2,087,125 | 0.48 | 8218.0 |
| ORCL | REDUCED | Oracle Corp | COM | 68389X105 | 2,055,217 | 0.47 | 14024.0 |
| GSK | REDUCED | GSK PLC ADR | SPONSORED ADR | 37733W204 | 2,053,606 | 0.47 | 39176.0 |
| COR | ADDED | Cencora, Inc. | COM | 03073E105 | 2,025,005 | 0.46 | 7156.0 |
| MDT | ADDED | Medtronic PLC | SHS | G5960L103 | 2,023,497 | 0.46 | 25866.0 |
| HD | REDUCED | Home Depot Inc | COM | 437076102 | 1,984,530 | 0.45 | 5627.0 |
| BA | REDUCED | Boeing Co | COM | 097023105 | 1,961,651 | 0.45 | 9062.0 |
| KO | REDUCED | Coca Cola Co | COM | 191216100 | 1,853,444 | 0.42 | 22806.0 |
| GD | REDUCED | General Dynamics Corp | COM | 369550108 | 1,811,229 | 0.41 | 5113.0 |
| BX | REDUCED | Blackstone Inc | COM | 09260D107 | 1,783,171 | 0.41 | 15154.0 |
| - | Avantis US Equity ETF | US EQT ETF | 025072885 | 1,771,218 | 0.4 | 13829.0 | |
| CRM | ADDED | Salesforce, Inc. | COM | 79466L302 | 1,747,699 | 0.4 | 11156.0 |
| EMR | REDUCED | Emerson Electric Co | COM | 291011104 | 1,733,833 | 0.4 | 12112.0 |
| FCX | ADDED | Freeport-McMoran, Inc. | CL B | 35671D857 | 1,694,948 | 0.39 | 26951.0 |
| SLB | REDUCED | SLB Limited | COM STK | 806857108 | 1,615,853 | 0.37 | 34757.0 |
| - | Biogen Idec Inc | COM | 09062X103 | 1,500,105 | 0.34 | 6943.0 | |
| KKR | REDUCED | KKR & Co Inc | COM | 48251W104 | 1,491,700 | 0.34 | 16253.0 |
| NEE | REDUCED | Nextera Energy Inc | COM | 65339F101 | 1,483,225 | 0.34 | 16899.0 |
| - | Tapestry Inc Common | COM | 876030107 | 1,447,259 | 0.33 | 9887.0 | |
| - | American Tower REIT Inc | COM | 03027X100 | 1,434,018 | 0.33 | 8767.0 | |
| UNP | UNCHANGED | Union Pacific Corp | COM | 907818108 | 1,373,328 | 0.31 | 5049.0 |
| MDLZ | REDUCED | Mondelez Intl Inc Class A | CL A | 609207105 | 1,362,479 | 0.31 | 23556.0 |
| BMY | ADDED | Bristol Myers Squibb Co | COM | 110122108 | 1,361,445 | 0.31 | 23628.0 |
| OVV | ADDED | Ovintiv Inc | COM | 69047Q102 | 1,353,684 | 0.31 | 25711.0 |
| - | State Street SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 1,328,438 | 0.3 | 2543.0 | |
| NFLX | ADDED | Netflix Inc Corp | COM | 64110L106 | 1,246,144 | 0.28 | 17453.0 |
| CVX | REDUCED | Chevron Corp | COM | 166764100 | 1,227,950 | 0.28 | 7408.0 |
| - | Disney Walt Co | COM | 254687106 | 1,208,226 | 0.28 | 12553.0 | |
| - | The Goldman Sachs Group Inc | COM | 38141G104 | 1,198,473 | 0.27 | 1185.0 | |
| BDX | ADDED | Becton, Dickinson & Co. | COM | 075887109 | 1,177,801 | 0.27 | 7783.0 |
| PYPL | REDUCED | Paypal Holdings, Inc. | COM | 70450Y103 | 1,172,510 | 0.27 | 27154.0 |
| PFE | REDUCED | Pfizer Inc | COM | 717081103 | 1,154,371 | 0.26 | 47939.0 |
| YUM | ADDED | YUM Brands Inc | COM | 988498101 | 1,127,333 | 0.26 | 7052.0 |
| PCAR | ADDED | Paccar Inc | COM | 693718108 | 1,103,542 | 0.25 | 9187.0 |
| ZBH | ADDED | Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,056,927 | 0.24 | 12277.0 |
| - | Intercontinental Exchange Inc Common | COM | 45866F104 | 978,725 | 0.22 | 7950.0 | |
| - | Avantis Emerging Markets Equity ETF | AVANTIS EMGMKT | 025072604 | 978,698 | 0.22 | 10143.0 | |
| - | iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 948,410 | 0.22 | 7638.0 | |
| MTB | UNCHANGED | M & T Bank Corp | COM | 55261F104 | 866,832 | 0.2 | 3642.0 |
| - | Adobe Systems Inc | COM | 00724F101 | 808,599 | 0.18 | 3944.0 | |
| MCD | REDUCED | McDonalds Corp | COM | 580135101 | 796,333 | 0.18 | 2946.0 |
| BBWI | REDUCED | Bath & Body Works | COM | 070830104 | 770,414 | 0.18 | 33308.0 |
| - | State Street SPDR Portfolio Long Term Treasury ETF | ST LON TREAS ETF | 78464A664 | 766,650 | 0.18 | 29228.0 | |
| - | State Street SPDR Portfolio Short Term Treasury ETF | ST SHO TREAS ETF | 78468R101 | 764,094 | 0.17 | 26339.0 | |
| BRK-B | UNCHANGED | Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 725,065 | 0.17 | 1449.0 |
| IBM | REDUCED | International Business Machines | COM | 459200101 | 712,024 | 0.16 | 2532.0 |
| VZ | ADDED | Verizon Communications | COM | 92343V104 | 707,247 | 0.16 | 16704.0 |
| ACN | REDUCED | Accenture PLC | SHS CLASS A | G1151C101 | 700,971 | 0.16 | 5633.0 |
| INTU | ADDED | Intuit | COM | 461202103 | 695,304 | 0.16 | 2664.0 |
| - | Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 678,153 | 0.15 | 2866.0 | |
| NKE | REDUCED | Nike, Inc. Class B | CL B | 654106103 | 675,724 | 0.15 | 16461.0 |
| - | iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 674,198 | 0.15 | 2781.0 | |
| - | DFA Dimensional International Core Equity 2 ETF | INTL CORE EQUITY | 25434V799 | 645,567 | 0.15 | 17326.0 | |
| - | iShares Short-Term National Muni Bond ETF | SHRT NAT MUN ETF | 464288158 | 631,261 | 0.14 | 5929.0 | |
| DE | UNCHANGED | Deere & Co | COM | 244199105 | 558,210 | 0.13 | 880.0 |
| - | DFA Dimensional Emerging Markets Core Equity 2 ETF | EMERGING MKTS CO | 25434V732 | 521,533 | 0.12 | 12833.0 | |
| CMI | UNCHANGED | Cummins Inc | COM | 231021106 | 430,066 | 0.1 | 603.0 |
| LLY | REDUCED | Eli Lilly & Co | COM | 532457108 | 403,008 | 0.09 | 336.0 |
| - | Rockwell Automation Inc Common | COM | 773903109 | 329,723 | 0.08 | 666.0 | |
| DGX | REDUCED | Quest Diagnostics Inc | COM | 74834L100 | 326,403 | 0.07 | 1540.0 |
| ITW | REDUCED | Illinois Tool Works Inc | COM | 452308109 | 324,023 | 0.07 | 1198.0 |
| - | Vanguard Total World Stock Index Fund ETF | TT WRLD ST ETF | 922042742 | 313,900 | 0.07 | 2000.0 | |
| - | National Fuel Gas Co N J | COM | 636180101 | 309,767 | 0.07 | 4012.0 | |
| - | iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 303,300 | 0.07 | 405.0 | |
| GOOGL | REDUCED | Alphabet Inc Class A | CAP STK CL A | 02079K305 | 288,398 | 0.07 | 807.0 |
| T | REDUCED | AT&T Inc | COM | 00206R102 | 262,931 | 0.06 | 12702.0 |
| - | Vanguard REIT Index ETF | REAL ESTATE ETF | 922908553 | 258,722 | 0.06 | 2683.0 | |
| NSC | REDUCED | Norfolk Southern Corp | COM | 655844108 | 249,470 | 0.06 | 793.0 |
| - | Lowes Cos Inc | COM | 548661107 | 243,641 | 0.06 | 1105.0 | |
| CRS | NEW | Carpenter Technology Corporation | COM | 144285103 | 235,633 | 0.05 | 382.0 |
| - | Vanguard Tax-Exempt Bond Index ETF | TAX EXEMPT BD | 922907746 | 227,762 | 0.05 | 4503.0 | |
| - | Progressive Corp Ohio common | COM | 743315103 | 220,416 | 0.05 | 1009.0 | |
| GWW | NEW | W W Grainger Inc | COM | 384802104 | 213,583 | 0.05 | 157.0 |
| TXN | NEW | Texas Instruments Inc | COM | 882508104 | 212,524 | 0.05 | 713.0 |
| BOKF | NEW | BOK Financial Corp | COM NEW | 05561Q201 | 211,098 | 0.05 | 1520.0 |
| CBU | NEW | Community Financial System, Inc | COM | 203607106 | 206,931 | 0.05 | 3083.0 |
| - | Vanguard Mid-Cap ETF | MID CAP ETF | 922908629 | 203,681 | 0.05 | 2528.0 | |
| IMO | UNCHANGED | Imperial Oil Ltd | COM NEW | 453038408 | 201,636 | 0.05 | 1800.0 |
Quarterly portfolios
| Period | Filed | Value ($) | Positions | Vol % | Beta | Max DD % |
|---|---|---|---|---|---|---|
| 2026-06-30 | 2026-07-17 | 437,695,942 | 117 | 7.122876 | 0.34641 | 11.964535 |
| 2026-03-31 | 2026-04-27 | 400,999,898 | 119 | 6.948127 | 0.340352 | 12.360095 |
| 2025-12-31 | 2026-01-28 | 403,554,864 | 124 | 7.215452 | 0.354728 | 12.273362 |
| 2025-09-30 | 2025-10-24 | 403,535,163 | 121 | 7.51507 | 0.368833 | 13.058524 |
| 2025-03-31 | 2025-04-21 | 354,679,067 | 118 | 6.721871 | 0.330021 | 12.292162 |
| 2024-12-31 | 2025-01-31 | 365,059,794 | 126 | 7.073228 | 0.347858 | 12.579853 |