1y return+17.2%S&P 500 +20.9%
3y return+48.1%S&P 500 +68.5%
5y return+48.2%S&P 500 +74.5%
10y return+179.7%S&P 500 +256.5%
These returns are for its stock picks as disclosed on Form 13F: last quarter's holdings, valued at this quarter's prices. They miss trades within each quarter, short positions, options, bonds, cash and fees, so they aren't the returns its clients got.
$100 invested in its stock picks
Since June 30, 2016: $280 against $357 in the S&P 500.2
Citizens & Northern CorpS&P 500 (SPY)
Top holdings
At the end of June 30, 2026. Change is in shares since the quarter before.2
| Stock | Value | Share of portfolio | Change |
|---|---|---|---|
| VONGVanguard Russell 1000 Growth ETF | $59.1M | 13.5% | +20.2% |
| IEMGiShares Core MSCI Emerging Mkts ETF | $28.2M | 6.4% | +2.2% |
| FRELFidelity MSCI Real Estate Index ETF | $27.9M | 6.4% | −14.8% |
| IGEiShares North American Natural Resources ETF | $24.0M | 5.5% | −8.9% |
| IJHiShares S&P MidCap 400 Index Fd | $16.8M | 3.8% | −12.4% |
| NVDANvidia Corp | $16.4M | 3.7% | −1.1% |
| AAPLApple Computer Inc | $15.5M | 3.5% | |
| SPMDState Street SPDR Portfolio S&P 400 Mid Cap ETF | $14.1M | 3.2% | −12.7% |
| GOOGAlphabet Inc Class C | $13.9M | 3.2% | −1.7% |
| EMBiShares JPMorgan USD Emerging Markets Bond ETF | $12.8M | 2.9% | −2.2% |
| MSFTMicrosoft Corp | $10.9M | 2.5% | −1.8% |
| Dimensional U.S. Core Equity 2 ETFCUSIP 25434V708 | $10.6M | 2.4% | |
| AMZNAmazon Communications Inc | $9.0M | 2.1% | −3.2% |
| CZFSCitizens Financial Services Inc | $8.5M | 1.9% | |
| CZNCCitizens & Northern Corp | $8.1M | 1.9% | −2.9% |
| AMDAdvanced Micro Devices Inc | $7.4M | 1.7% | −16.9% |
| JPMJPMorgan Chase & Co | $5.8M | 1.3% | −11.9% |
| GLWCorning Inc | $5.0M | 1.1% | |
| METAMeta Platforms Inc | $4.9M | 1.1% | −12.0% |
| AVDEAvantis International Equity ETF | $4.9M | 1.1% | |
| AVGOBroadcom Inc Common | $4.8M | 1.1% | +84.3% |
| WFCWells Fargo & Co New | $4.3M | 1.0% | New |
| CATCaterpillar Inc | $4.1M | 0.9% | −14.3% |
| MAMastercard Inc Class A | $4.0M | 0.9% | −4.3% |
| COSTCostco Wholesale Corp (New) | $4.0M | 0.9% |
Best picks still held
How each current holding has done since the quarter it first appeared in its filings (up to six years back).
| Stock | Held since | Return since | Now worth |
|---|---|---|---|
| NVDANvidia Corp | June 30, 2020 | +2006.7% | $16.4M |
| GLWCorning Inc | June 30, 2020 | +886.1% | $5.0M |
| PANWPalo Alto Networks Inc Common | September 30, 2020 | +736.0% | $2.5M |
| GOOGAlphabet Inc Class C | June 30, 2020 | +399.9% | $13.9M |
| CATCaterpillar Inc | December 31, 2022 | +344.5% | $4.1M |
| AMDAdvanced Micro Devices Inc | September 30, 2024 | +254.0% | $7.4M |
| JPMJPMorgan Chase & Co | June 30, 2020 | +248.0% | $5.8M |
| ADIAnalog Devices Inc | September 30, 2020 | +240.2% | $3.1M |
| AAPLApple Computer Inc | June 30, 2020 | +217.3% | $15.5M |
| COSTCostco Wholesale Corp (New) | June 30, 2020 | +208.5% | $4.0M |
Sold off last quarter
- BNDXVanguard Total International Bond Index Fund ETF was $1.2M
- MRSHMarsh was $1.1M
- HYGiShares iBoxx $ High Yield Corp Bond ETF was $873K
- TIPiShares Barclays TIPS Bond Fund was $611K
- ROPRoper Industries Inc New was $395K
- ABTAbbott Labs was $347K
- CMCSAComcast Corp Class A was $303K
- EOGEOG Resources, Inc. was $257K
- Honeywell Intl IncCUSIP 438516106 was $249K
- HALHalliburton Co was $241K
Quarter by quarter
| Quarter | Its picks | S&P 500 |
|---|---|---|
| June 30, 2026 | +10.1% | +14.8% |
| March 31, 2026 | −1.1% | −4.6% |
| December 31, 2025 | +0.9% | +2.4% |
| September 30, 2025 | +6.7% | +7.8% |
| June 30, 2025 | +8.0% | +10.5% |
| March 31, 2025 | −3.6% | −4.6% |
| December 31, 2024 | −0.4% | +2.1% |
| September 30, 2024 | +5.8% | +5.4% |
| June 30, 2024 | +1.4% | +4.0% |
| March 31, 2024 | +6.4% | +10.0% |
| December 31, 2023 | +11.7% | +11.2% |
| September 30, 2023 | −4.5% | −3.6% |
| June 30, 2023 | +5.7% | +8.3% |
| March 31, 2023 | +6.1% | +7.0% |
| December 31, 2022 | +7.5% | +7.1% |
| September 30, 2022 | −5.9% | −5.3% |
| June 30, 2022 | −15.6% | −16.5% |
| March 31, 2022 | −4.4% | −4.9% |
| December 31, 2021 | +9.8% | +10.7% |
| September 30, 2021 | −0.3% | +0.3% |
Sources
Every number on this page points here. Each one links to the public record.
- 1SEC EDGAR: Citizens & Northern Corp Form 13F filingshttps://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=810958&type=13F-HR&dateb=&owner=include&count=40CIK 810958
- 2SEC: 13F for the quarter ended June 30, 2026https://www.sec.gov/Archives/edgar/data/810958/000110465926084554/Filed July 17, 2026 · accession 0001104659-26-084554