CITIZENS & NORTHERN CORP

All Holdings — 2025 Q4

AI Portfolio Summary
In 2025 Q4, CITIZENS & NORTHERN CORP maintained a portfolio of 130 distinct positions. They heavily accumulated shares in Fidelity MSCI Real E, increasing their position by 32.2%. Conversely, CITIZENS & NORTHERN CORP completely exited their position in Fedex Corp.
PCA Score Concentration Risk
Risk ENB
Total Positions
130
Quarter
2025 Q4
Top Holding
VONG (11.1%)
Top 10 Concentration
51.5%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 130
Stock History Sector / Type Port % Prev % Rank / Prev Conviction Change % Change Influence Shares Mkt Value Avg Cost Price Held 1st Owned Source Source Date Date Reported
VONG
Vanguard Russel...
ETF 11.09% 11.85% #1
Prev: #1
6.5 -29,052 -7.3%
P
S
367,716 $44,769,423
$68.32 +77.5%
$121.60 -0.3%
2018 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
FREL
Fidelity MSCI R...
ETF 7.24% 5.67% #2 2
Prev: #4
6.9 264,741 32.2%
P
S
1,087,071 $29,231,339
$22.66 +17.6%
$26.65 +0.0%
2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
IGE
iShares North A...
ETF 6.13% 6.02% #3 1
Prev: #2
4.0 -2,968 -0.6%
P
S
492,536 $24,725,307
$41.89 +21.6%
$50.00 +1.8%
2024 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IEMG
iShares Core MS...
ETF 5.52% 5.83% #4 1
Prev: #3
3.2 -25,119 -7.0%
P
S
331,668 $22,294,723 2024 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IJH
iShares S&P Mid...
ETF 4.23% 4.18% #5
Prev: #5
2.7 357 0.1%
P
S
258,672 $17,072,352 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
NVDA
Nvidia Corp
Technology 3.78% 4.07% #6
Prev: #6
2.0 -6,151 -7.0%
P
S
81,880 $15,270,620 2018 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
AAPL
Apple Computer ...
Technology 3.59% 3.65% #7 1
Prev: #8
1.9 -4,631 -8.0%
P
S
53,237 $14,473,011 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
MSFT
Microsoft Corp
Technology 3.39% 4.01% #8 1
Prev: #7
1.9 -2,922 -9.4%
P
S
28,309 $13,690,799 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPMD
State Street SP...
ETF 3.38% 3.29% #9
Prev: #9
1.9 3,261 1.4%
P
S
235,643 $13,646,086 2022 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
EMB
iShares JPMorga...
ETF 3.15% 3.08% #10
Prev: #10
1.8 1,563 1.2%
P
S
132,225 $12,730,623 2019 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
GOOG
Alphabet Inc Cl...
Communication Services 3.15% 2.73% #11
Prev: #11
1.8 -4,731 -10.5%
P
S
40,453 $12,694,151 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
DFAC
Dimensional U.S...
ETF 2.34% 2.22% #12
Prev: #12
1.4 5,622 2.4%
P
S
238,023 $9,423,331 2023 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
AMZN
Amazon Communic...
Consumer Cyclical 2.16% 2.18% #13
Prev: #13
1.4 -2,286 -5.7%
P
S
37,712 $8,704,684 2018 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
CZNC
Citizens & Nort...
Financial Services 1.81% 1.58% #14 3
Prev: #17
2.7 40,323 12.6%
P
S
361,412 $7,289,683 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
CZFS
Citizens Financ...
Financial Services 1.65% 1.75% #15
Prev: #15
1.2 -18 -0.0%
P
S
117,063 $6,674,932 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
JPM
JPMorgan Chase ...
Financial Services 1.60% 1.93% #16 2
Prev: #14
1.1 -4,583 -18.6%
P
S
20,091 $6,473,722 2014 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
META
Meta Platforms ...
Communication Services 1.44% 1.59% #17 1
Prev: #16
1.1 67 0.8%
P
S
8,780 $5,795,590 2018 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
AVDE
Avantis Interna...
Bond/Debt 1.12% 1.00% #18 3
Prev: #21
2.4 3,751 7.3%
P
S
54,809 $4,511,877 2023 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
MA
Mastercard Inc ...
Financial Services 1.11% 1.15% #19 1
Prev: #18
0.9 -299 -3.7%
P
S
7,877 $4,496,822 2018 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
COST
Costco Wholesal...
Consumer Defensive 0.93% 1.05% #20 1
Prev: #19
0.9 -221 -4.8%
P
S
4,373 $3,771,013 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
AMD
Advanced Micro ...
Technology 0.84% 0.64% #21 8
Prev: #29
0.8 -108 -0.7%
P
S
15,877 $3,400,218 2024 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
MBB
iShares Barclay...
ETF 0.83% 0.81% #22
Prev: #22
0.8 969 2.8%
P
S
35,349 $3,365,932 2021 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
XOM
Exxon Mobil Cor...
Energy 0.79% 0.77% #23
Prev: #23
0.8 -1,217 -4.4%
P
S
26,338 $3,169,515 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
ORCL
Oracle Corp
Technology 0.70% 1.01% #24 4
Prev: #20
0.8 20 0.1%
P
S
14,504 $2,826,975 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
PG
Procter & Gambl...
Consumer Defensive 0.66% 0.71% #25
Prev: #25
0.8 -190 -1.0%
P
S
18,566 $2,660,693 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
FDX
Fedex Corp
Industrials 0.00% 0.26%
Sold All 😨
(Was: #74)
0.0 -4,518 -100.0%
CLOSED
$— 2024 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
CDW
CDW Corporation
Technology 0.00% 0.24%
Sold All 😨
(Was: #77)
0.0 -6,196 -100.0%
CLOSED
$— 2022 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
WMT
Walmart Inc.
Consumer Defensive 0.00% 0.07%
Sold All 😨
(Was: #107)
0.0 -2,760 -100.0%
CLOSED
$— 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SYY
SYSCO Corp
Consumer Defensive 0.00% 0.05%
Sold All 😨
(Was: #119)
0.0 -2,506 -100.0%
CLOSED
$— 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VO
Vanguard Mid-Ca...
ETF 0.00% 0.05%
Sold All 😨
(Was: #120)
0.0 -681 -100.0%
CLOSED
$— 2025 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
F
Ford Motor Co D...
Consumer Cyclical 0.00% 0.04%
Sold All 😨
(Was: #121)
0.0 -12,373 -100.0%
CLOSED
$— 2024 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
Showing 1-25 of 130 holdings

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