Stocks/Funds/CIK 810958

CITIZENS & NORTHERN CORP

long-term holder
Quarterly 13F filings · Latest period 2026-03-31 · CIK 810958
Assets
$401M
+13.1% YoY
Holdings
119
Lifetime alpha vs market
-1.48% annual
Average hold time
6.3 yr
median 6.8 yr

Quarterly history

Cum return +148% vs S&P +180% · α -31% lifetimeAUM $401M · peak $404MFlow $9M (+2%)2016-062017-122019-062020-122022-062023-122025-062026-03
AUM ($B)fundS&P 500(gap = α)/ Flow in/out

Behavior signals (lifetime)

Dip response
-0.78%
trims when stocks drop
when a holding falls −10%+
Middle response
-0.16%
baseline attrition
Rally response
-5.53%
trims into rallies
when a holding rises +10%+

Top positions · 30

Ticker$ value% portYoYHold time
VONGVanguard Russell 1000 Gr$42M10.5%7.5 yr
FRELFidelity MSCI Real Estat$30M7.5%6.0 yr
IGEiShares North American N$30M7.4%1.5 yr
IEMGiShares Core MSCI Emergi$23M5.8%1.5 yr
IJHiShares Core S&P Mid-Cap$17M4.2%10.5 yr
NVDANVIDIA Corporation$14M3.6%+60.9%7.8 yr
SPMDState Street SPDR Portfo$14M3.5%3.5 yr
AAPLApple Inc.$14M3.4%+14.7%10.5 yr
EMBiShares J.P. Morgan USD $13M3.2%6.5 yr
GOOGAlphabet Inc.$12M2.9%+84.3%10.3 yr
MSFTMicrosoft Corporation$11M2.7%-0.6%10.5 yr
DFACDimensional - US Core Eq$9M2.3%2.5 yr
AMZNAmazon.com, Inc.$8M2.0%+9.5%7.5 yr
CZNCCitizens & Northern Corp$8M2.0%+17.5%10.5 yr
CZFSCitizens Financial Servi$7M1.8%+9.9%4.0 yr

Portfolio composition (YoY)

Industry mix
Asset Management50.0%+2.1pp$201M
Semiconductors6.0%+2.0pp$24M
Internet Content & Information4.4%+1.0pp$17M
Banks - Regional4.0%-0.4pp$16M
Software - Infrastructure3.6%-1.0pp$14M
Consumer Electronics3.4%-0.3pp$14M
Specialty Retail2.2%-0.3pp$9M
Drug Manufacturers - General2.1%+0.7pp$8M
Banks - Diversified2.0%+0.2pp$8M
Oil & Gas Integrated1.6%+0.2pp$7M
Country
US98.1%-0.6pp
IE1.3%+0.5pp
GB0.6%+0.1pp
CA0.1%
Top 5: 35.4% · Top 10: 52.0% · Top 25: 73.3%

Winners

TickerPrev $PnLYoY %
NVDA$10M+0.01B60.9%
GOOG$7M+0.01B84.3%
AAPL$13M+0.00B14.7%
GLW$1M+0.00B201.5%
XOM$3M+0.00B47.6%

Losers

TickerPrev $PnLYoY %
PG$3M-0.00B-12.9%
MA$5M-0.00B-8.5%
MSFT$12M-0.00B-0.6%
META$5M-0.00B-0.4%

Top buys this quarter · 15

MDT Medtronic plc+$2M
OVV Ovintiv Inc.new+$1M
PCAR PACCAR Incnew+$1M
META Meta Platforms, Inc.+$6M
YUM Yum! Brands, Inc.+$1M
ETN Eaton Corporation plc+$1M
MSFT Microsoft Corporation+$11M
EMR Emerson Electric Co.+$0M
FCX Freeport-McMoRan Inc.+$0M
ZBH Zimmer Biomet Holdings, Inc.+$0M

Top sells this quarter · 15

KLAC KLA Corporation$1M
ABT Abbott Laboratories$2M
NSC Norfolk Southern Corporation$2M
EOG EOG Resources, Inc.$1M
CMG Chipotle Mexican Grill, Inc.exit$1M
CARR Carrier Global Corporationexit$1M
DD DuPont de Nemours, Inc.exit$1M
NOW ServiceNow, Inc.exit$1M
NFLX Netflix, Inc.$0M
GLW Corning Incorporated$2M

Quarterly history (TTM returns)

PeriodAUM# PosReturn (1yr)SPY (1yr)Alpha (1yr)Flow
2026-03-31$401M119+16.81%+17.59%-0.78%+0.01B
2025-12-31$404M124+14.53%+17.72%-3.19%-0.01B
2025-09-30$404M121+13.92%+17.52%-3.60%+0.00B
2025-06-30$374M118+12.35%+14.94%-2.59%-0.02B
2025-03-31$355M118+3.38%+8.30%-4.92%+0.01B
2024-12-31$365M126+14.45%+24.89%-10.43%+0.03B
2024-09-30$333M126+27.67%+36.04%-8.37%-0.00B
2024-06-30$320M118+15.30%+24.49%-9.19%+0.02B
2024-03-31$296M109+21.03%+29.62%-8.59%+0.00B
2023-12-31$280M111+21.99%+26.18%-4.18%-0.00B
2023-09-30$249M97+16.01%+21.57%-5.56%-0.00B
2023-06-30$265M97+13.20%+19.42%-6.23%-0.01B
2023-03-31$256M99-7.61%-7.82%+0.21%-0.00B
2022-12-31$242M99-17.07%-18.17%+1.10%+0.01B
2022-09-30$213M96-14.56%-15.51%+0.95%+0.00B
2022-06-30$229M101-7.59%-10.62%+3.04%-0.01B