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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Portfolio Overlap

Shared: 119Unique: 0vs 20 funds

1.6%Low

119

Fund positions

7,299

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.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

MORGAN STANLEY

2.2%

JPMORGAN CHASE & CO

2.4%

BANK OF AMERICA CORP /DE/

2.5%

FMR LLC

3.9%

BlackRock, Inc.

2.7%

STATE STREET CORP

2.8%

VANGUARD CAPITAL MANAGEMENT LLC

2.7%

GEODE CAPITAL MANAGEMENT, LLC

2.6%

VANGUARD PORTFOLIO MANAGEMENT LLC

3.1%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New7Increased55Decreased34Exited12

New Positions

MDT0.5%

+23K

KLAC0.3%

+952

OVV0.3%

+23K

YUM0.3%

+7K

PCAR0.2%

+8K

WAT0.1%

+756

IMO0.1%

+2K

Increased

FREL7.5%

+33K(+3%)

VONG10.5%

+17K(+5%)

BBWI0.2%

+11K(+52%)

FCX0.4%

+8K(+43%)

ZBH0.3%

+4K(+51%)

EMR0.5%

+4K(+37%)

EMB3.2%

+4K(+3%)

SPMD3.5%

+3K(+1%)

TRVC0.5%

+3K(+19%)

SPTL0.2%

+3K(+9%)

Decreased

IGE7.4%

-22,767(-5%)

ABT0.1%

-17,186(-84%)

IJH4.2%

-10,286(-4%)

EOG0.1%

-8,951(-83%)

NSC0.1%

-5,566(-81%)

NFLX0.3%

-4,630(-30%)

GLW0.7%

-2,076(-10%)

HAL0.1%

-2,040(-25%)

CZNC2.0%

-1,559(-0%)

HON0.1%

-753(-41%)

Exited

CMG

-38,035

NOW

-9,127

CARR

-19,638

-22,119

-2,659

-6,179

-2,260

-245

-222

-10,418

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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