CITIZENS & NORTHERN CORP

CIK 0000810958 · Q2 2026

13F Equity AUM

$437.7M

+9.2% QoQ

Positions

117

-2 QoQ

AUM Rank

#5,342

Top 43%

Skill Alpha (FF)

-0.5%/yr^ns

No Clear Edge

Rank #3,548 · Top 43%

vs S&P -1.8%/yr (unadj.)

Quarters Tracked

~13 years

Portfolio Concentration

Top 5: 35.6%Top 10: 52.3%Top 20: 69.4%

VONG13.5%

IEMG6.4%

FREL6.4%

IGE5.5%

IJH3.8%

NVDA3.8%

AAPL3.5%

SPMD3.2%

GOOG3.2%

EMB2.9%

Others (107)47.7%

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

Sector Allocation

Financial Services58.3%

Technology17.8%

Communication Services5.2%

Industrials4.4%

Consumer Cyclical4.3%

Healthcare3.6%

Consumer Defensive2.3%

Other4.2%

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

Position Sizing

Positions: 117Median: 0.33%Avg: 0.85%

0–0.5%

79(17.8%)

0.5–1%

17(11.7%)

1–3%

12(21.2%)

3–5%

5(17.5%)

5%+

4(31.8%)

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

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Portfolio Overlap

Shared: 0Unique: 117vs 20 funds

0%Low

117

Fund positions

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

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Position Changes This Quarter

New9Increased21Decreased61Exited11

New Positions

WFC1.0%

+52K

GS0.3%

+1K

PGR0.1%

+1K

CBU0.1%

+3K

TXN0.1%

+713

GWW0.1%

+157

VO0.1%

+3K

CRS0.1%

+382

BOKF0.1%

+2K

Increased

VONG13.5%

+78K(+20%)

KLAC0.7%

+9K(+895%)

IEMG6.4%

+7K(+2%)

NFLX0.3%

+6K(+59%)

AVGO1.1%

+6K(+84%)

IWF0.2%

+6K(+276%)

BMY0.3%

+5K(+24%)

MDT0.5%

+3K(+14%)

SCHW0.5%

+3K(+15%)

OVV0.3%

+3K(+14%)

Decreased

FREL6.4%

-166,299(-15%)

IGE5.5%

-41,851(-9%)

IJH3.8%

-30,749(-12%)

SPMD3.2%

-30,328(-13%)

CZNC1.9%

-10,361(-3%)

CSCO0.6%

-9,480(-29%)

MBB0.7%

-5,537(-15%)

T0.1%

-4,335(-25%)

SPTL0.2%

-3,786(-11%)

EMB2.9%

-2,994(-2%)

Exited

-25,151

-6,340

-10,976

-5,540

-1,115

-3,376

-10,554

-1,103

-1,775

-6,182

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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