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FCC

Flower City Capital Portfolio holdings

AUM $227M
1-Year Est. Return 23.31%
This Fund
S&P 500
This Quarter Est. Return
+2.59%
1 Year Est. Return
+23.31%
3 Year Est. Return
+60.67%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$196M
AUM Growth
+$10.1M
Cap. Flow
+$5.38M
Cap. Flow %
2.74%
Top 10 Hldgs %
91.27%
Holding
46
New
3
Increased
16
Reduced
11
Closed
2

Top Buys

Rank Stock Value
1
VONE icon
Vanguard Russell 1000 ETF
VONE
+$2.68M
2
VEU icon
Vanguard FTSE All-World ex-US ETF
VEU
+$1.84M
3
BND icon
Vanguard Total Bond Market
BND
+$693K
4
TPG icon
TPG
TPG
+$423K
5
SCHX icon
Schwab US Large- Cap ETF
SCHX
+$277K

Top Sells

Rank Stock Value
1
VXUS icon
Vanguard Total International Stock ETF
VXUS
+$498K
2
TPL icon
Texas Pacific Land
TPL
+$342K
3
WPM icon
Wheaton Precious Metals
WPM
+$238K
4
AAPL icon
Apple
AAPL
+$171K
5
BRK.B icon
Berkshire Hathaway Class B
BRK.B
+$75.6K

Sector Composition

Rank Sector Weight
1 Technology 3.76%
2 Consumer Discretionary 0.71%
3 Communication Services 0.68%
4 Financials 0.66%
5 Industrials 0.32%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VONE icon
1
Vanguard Russell 1000 ETF
VONE
$8.21B
$73.6M 37.51%
238,010
+8,747
+4% +$2.68M
VEU icon
2
Vanguard FTSE All-World ex-US ETF
VEU
$65.6B
$58.5M 29.83%
795,236
+25,336
+3% +$1.84M
VOO icon
3
Vanguard S&P 500 ETF
VOO
$971B
$14.9M 7.58%
23,712
– –
IVV icon
4
iShares Core S&P 500 ETF
IVV
$871B
$8.49M 4.33%
12,399
-93
-0.7% -$63.2K
VSS icon
5
Vanguard FTSE All-World ex-US Small-Cap Index Fund
VSS
$11.2B
$5.79M 2.95%
40,378
+1,002
+3% +$143K
EFA icon
6
iShares MSCI EAFE ETF
EFA
$76.8B
$5.59M 2.85%
58,263
-53
-0.1% -$5.03K
AAPL icon
7
Apple
AAPL
$4.99T
$4.1M 2.09%
15,073
-637
-4% -$171K
SCHX icon
8
Schwab US Large- Cap ETF
SCHX
$71.3B
$3.41M 1.74%
126,843
+10,360
+9% +$277K
VIOO icon
9
Vanguard S&P Small-Cap 600 ETF
VIOO
$4.18B
$3.09M 1.57%
27,813
+1,296
+5% +$144K
MSFT icon
10
Microsoft
MSFT
$2.92T
$1.55M 0.79%
3,212
+2
+0.1% +$1K
VEA icon
11
Vanguard FTSE Developed Markets ETF
VEA
$225B
$1.54M 0.79%
24,710
+293
+1% +$17.9K
NVDA icon
12
NVIDIA
NVDA
$4.77T
$1.37M 0.7%
7,346
-14
-0.2% -$2.61K
VTI icon
13
Vanguard Total Stock Market ETF
VTI
$656B
$1.25M 0.64%
3,722
+280
+8% +$93.1K
AMZN icon
14
Amazon
AMZN
$2.48T
$1.02M 0.52%
4,411
-139
-3% -$31.8K
VTWO icon
15
Vanguard Russell 2000 ETF
VTWO
$17.5B
$946K 0.48%
9,506
– –
SCHF icon
16
Schwab International Equity ETF
SCHF
$65.5B
$849K 0.43%
35,335
+6,779
+24% +$161K
GOOGL icon
17
Alphabet (Google) Class A
GOOGL
$4.08T
$701K 0.36%
2,240
– –
BND icon
18
Vanguard Total Bond Market
BND
$158B
$690K 0.35%
+9,310
New +$693K
VXUS icon
19
Vanguard Total International Stock ETF
VXUS
$153B
$661K 0.34%
8,768
-6,676
-43% -$498K
VUG icon
20
Vanguard Growth ETF
VUG
$216B
$616K 0.31%
7,572
-12
-0.2% -$974
CVX icon
21
Chevron
CVX
$374B
$582K 0.3%
3,818
-226
-6% -$34.4K
VT icon
22
Vanguard Total World Stock ETF
VT
$76.3B
$560K 0.29%
3,968
+15
+0.4% +$2.1K
SPYM
23
State Street SPDR Portfolio S&P 500 ETF
SPYM
$160B
$489K 0.25%
6,096
+274
+5% +$21.8K
TPG icon
24
TPG
TPG
$7.02B
$457K 0.23%
+7,160
New +$423K
GOOG icon
25
Alphabet (Google) Class C
GOOG
$4.07T
$421K 0.21%
1,341
-69
-5% -$19.8K
1
2

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Flower City Capital's Q4 2025 Portfolio in Review

As of Q4 2025, Flower City Capital held 46 positions worth $196M, up 5.4% from $186M the previous quarter. Its ten largest holdings account for 91% of the portfolio.

Flower City Capital's Q4 2025 filing shows 3 new, 16 increased, 11 reduced and 2 closed positions. Its largest new stake was Vanguard Total Bond Market: 9,310 shares worth $690K. The largest sale was Vanguard Total International Stock ETF, an estimated $498K.

By sector, the portfolio is most concentrated in Technology at 3.8% of assets, down from 4% a quarter earlier, followed by Consumer Discretionary and Communication Services.

  • Flower City Capital's largest Q4 2025 buy was Vanguard Total Bond Market: 9,310 shares worth $690K.
  • Flower City Capital added most to Vanguard Russell 1000 ETF in Q4 2025, an estimated $2.68M increase.
  • Flower City Capital's biggest Q4 2025 reduction was Vanguard Total International Stock ETF, cutting an estimated $498K.
  • Flower City Capital fully exited Texas Pacific Land in Q4 2025, selling an estimated $342K.
  • Flower City Capital's ten largest holdings make up 91% of its $196M portfolio in Q4 2025.
  • Flower City Capital opened 3 new positions and closed 2 in Q4 2025.
  • Flower City Capital's portfolio value rose 5.4% quarter-over-quarter to $196M.

Based on Flower City Capital's 13F filing for Q4 2025, filed 22 Jan 2026.