CITIZENS & NORTHERN CORP

CIK 0000810958 · Q1 2026

13F Equity AUM

$401.0M

-0.6% QoQ

Positions

119

-5 QoQ

AUM Rank

#4,942

Top 40%

Skill Alpha (FF)

-0.9%/yr^ns

No Clear Edge

Rank #3,499 · Top 43%

vs S&P -4.3%/yr (unadj.)

Quarters Tracked

~13 years

Portfolio Concentration

Top 5: 35.4%Top 10: 52.0%Top 20: 69.1%

VONG10.5%

FREL7.5%

IGE7.4%

IEMG5.8%

IJH4.2%

NVDA3.6%

SPMD3.5%

AAPL3.4%

EMB3.2%

GOOG2.9%

Others (109)48.0%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services58.6%

Technology15.7%

Communication Services5.3%

Industrials4.5%

Consumer Cyclical4.5%

Healthcare3.8%

Energy2.5%

Consumer Defensive2.5%

Other2.5%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 119Median: 0.34%Avg: 0.84%

0–0.5%

83(20.2%)

0.5–1%

15(9.7%)

1–3%

12(21.0%)

3–5%

5(17.9%)

5%+

4(31.2%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Holdings

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