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HFS

Howard Financial Services Portfolio holdings

AUM $1B
1-Year Est. Return 20.02%
This Fund
S&P 500
This Quarter Est. Return
+1.47%
1 Year Est. Return
+20.02%
3 Year Est. Return
+50.21%
5 Year Est. Return
+49.22%
10 Year Est. Return
–
AUM
$855M
AUM Growth
+$37.8M
Cap. Flow
+$28.2M
Cap. Flow %
3.3%
Top 10 Hldgs %
51.07%
Holding
217
New
21
Increased
118
Reduced
47
Closed
12

Top Buys

Rank Stock Value
1
JPST icon
JPMorgan Ultra-Short Income ETF
JPST
+$5.66M
2
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$4.02M
3
VPLS
Vanguard Core Plus Bond ETF
VPLS
+$2.4M
4
PTRB icon
PGIM Total Return Bond ETF
PTRB
+$2.35M
5
BIL icon
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
BIL
+$2.18M

Top Sells

Rank Stock Value
1
FIXD icon
First Trust Smith Opportunistic Fixed Income ETF
FIXD
+$1.9M
2
SSB icon
SouthState Bank Corp
SSB
+$1.5M
3
CALF icon
Pacer US Small Cap Cash Cows 100 ETF
CALF
+$1.24M
4
JEPI icon
JPMorgan Equity Premium Income ETF
JEPI
+$1.19M
5
SPGP icon
Invesco S&P 500 GARP ETF
SPGP
+$1.07M

Sector Composition

Rank Sector Weight
1 Technology 9.26%
2 Energy 2.87%
3 Financials 2.41%
4 Consumer Discretionary 1.95%
5 Communication Services 1%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
JNJ icon
76
Johnson & Johnson
JNJ
$617B
$934K 0.11%
4,515
+444
+11% +$87.8K
GHC icon
77
Graham Holdings Company
GHC
$5.28B
$924K 0.11%
841
+2
+0.2% +$2.14K
OKE icon
78
Oneok
OKE
$56.1B
$923K 0.11%
12,555
-975
-7% -$69.1K
GLD icon
79
SPDR Gold Trust
GLD
$133B
$906K 0.11%
2,287
-19
-0.8% -$7.26K
CRWD icon
80
CrowdStrike
CRWD
$189B
$883K 0.1%
7,536
+156
+2% +$19.9K
MRK icon
81
Merck
MRK
$321B
$822K 0.1%
7,807
+700
+10% +$65.7K
CSCO icon
82
Cisco
CSCO
$448B
$821K 0.1%
10,661
+1,619
+18% +$120K
NUV icon
83
Nuveen Municipal Value Fund
NUV
$1.92B
$816K 0.1%
+90,060
New +$814K
COST icon
84
Costco
COST
$423B
$802K 0.09%
930
-16
-2% -$14.5K
PM icon
85
Philip Morris
PM
$299B
$802K 0.09%
4,998
+217
+5% +$33.6K
IEMG icon
86
iShares Core MSCI Emerging Markets ETF
IEMG
$149B
$787K 0.09%
11,705
-15
-0.1% -$1.01K
AGNC icon
87
AGNC Investment
AGNC
$12.7B
$780K 0.09%
72,721
+1,825
+3% +$18.8K
BRK.A icon
88
Berkshire Hathaway Class A
BRK.A
$1.1T
$755K 0.09%
1
– –
BKNG icon
89
Booking.com
BKNG
$150B
$750K 0.09%
3,500
+50
+1% +$10.3K
ABBV icon
90
AbbVie
ABBV
$455B
$742K 0.09%
3,245
+207
+7% +$47.2K
JEPQ icon
91
JPMorgan Nasdaq Equity Premium Income ETF
JEPQ
$39.1B
$720K 0.08%
12,393
+40
+0.3% +$2.32K
ESGU icon
92
iShares ESG Aware MSCI USA ETF
ESGU
$17.8B
$710K 0.08%
4,765
+9
+0.2% +$1.33K
JBI icon
93
Janus International
JBI
$694M
$686K 0.08%
104,926
– –
CVX icon
94
Chevron
CVX
$383B
$668K 0.08%
4,380
-380
-8% -$57.9K
NOC icon
95
Northrop Grumman
NOC
$76B
$651K 0.08%
1,143
+16
+1% +$9.29K
V icon
96
Visa
V
$673B
$649K 0.08%
1,851
+336
+22% +$114K
MS icon
97
Morgan Stanley
MS
$330B
$635K 0.07%
3,579
+58
+2% +$9.68K
AMGN icon
98
Amgen
AMGN
$209B
$634K 0.07%
1,936
+112
+6% +$35.5K
HD icon
99
Home Depot
HD
$332B
$630K 0.07%
1,831
+58
+3% +$21.2K
VOO icon
100
Vanguard S&P 500 ETF
VOO
$972B
$617K 0.07%
984
-15
-2% -$9.32K
2 3
4
5 6

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SFC
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PGCM
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VFA
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MVIP
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PCMF
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Howard Financial Services's Q4 2025 Portfolio in Review

As of Q4 2025, Howard Financial Services held 217 positions worth $855M, up 4.6% from $817M the previous quarter. Its ten largest holdings account for 51% of the portfolio.

Howard Financial Services deployed $28.2M of net new capital in Q4 2025, opening 21 new positions and adding to 118 existing holdings. Its largest new stake was Goldman Sachs ETF Trust Goldman Sachs S&P 500 Premium Income ETF: 18,550 shares worth $979K.

By sector, the portfolio is most concentrated in Technology at 9.3% of assets, down from 9.3% a quarter earlier, followed by Energy and Financials.

On the sell side, the largest reduction was First Trust Smith Opportunistic Fixed Income ETF, an estimated $1.9M trimmed.

  • Howard Financial Services's largest Q4 2025 buy was Goldman Sachs ETF Trust Goldman Sachs S&P 500 Premium Income ETF: 18,550 shares worth $979K.
  • Howard Financial Services added most to JPMorgan Ultra-Short Income ETF in Q4 2025, an estimated $5.66M increase.
  • Howard Financial Services's biggest Q4 2025 reduction was First Trust Smith Opportunistic Fixed Income ETF, cutting an estimated $1.9M.
  • Howard Financial Services fully exited JPMorgan Equity Premium Income ETF in Q4 2025, selling an estimated $1.19M.
  • Howard Financial Services's ten largest holdings make up 51% of its $855M portfolio in Q4 2025.
  • Howard Financial Services opened 21 new positions and closed 12 in Q4 2025.
  • Howard Financial Services's portfolio value rose 4.6% quarter-over-quarter to $855M.

Based on Howard Financial Services's 13F filing for Q4 2025, filed 12 Jan 2026.