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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
EMXC icon
176
iShares MSCI Emerging Markets ex China ETF
EMXC
$23.2B
$253K 0.03%
3,481
+51
+1% +$3.62K
NEM icon
177
Newmont
NEM
$101B
$252K 0.03%
2,528
+135
+6% +$12.2K
ADP icon
178
Automatic Data Processing
ADP
$105B
$236K 0.03%
916
+104
+13% +$27.7K
MCD icon
179
McDonald's
MCD
$191B
$232K 0.03%
+758
New +$232K
PG icon
180
Procter & Gamble
PG
$335B
$230K 0.03%
1,608
-327
-17% -$48.2K
AEM icon
181
Agnico Eagle Mines
AEM
$75.4B
$230K 0.03%
1,355
-90
-6% -$15.1K
CRCL
182
Circle Internet Group
CRCL
$16B
$229K 0.03%
+2,883
New +$298K
DIS icon
183
Walt Disney
DIS
$167B
$225K 0.03%
+1,980
New +$218K
XLF icon
184
State Street Financial Select Sector SPDR ETF
XLF
$56.8B
$225K 0.03%
4,099
-192
-4% -$10.2K
CME icon
185
CME Group
CME
$96.1B
$224K 0.03%
+821
New +$223K
LMT icon
186
Lockheed Martin
LMT
$132B
$222K 0.03%
459
+27
+6% +$12.9K
CHWY icon
187
Chewy
CHWY
$9.34B
$222K 0.03%
6,712
– –
GRAL
188
GRAIL Inc
GRAL
$3.05B
$220K 0.03%
+2,570
New +$222K
STHO icon
189
Star Holdings Shares of Beneficial Interest
STHO
$113M
$219K 0.03%
26,629
– –
TRV icon
190
Travelers Companies
TRV
$78.4B
$217K 0.03%
+748
New +$211K
ELV icon
191
Elevance Health
ELV
$81.6B
$216K 0.03%
+617
New +$209K
IHI icon
192
iShares US Medical Devices ETF
IHI
$3.14B
$216K 0.03%
3,479
– –
IGV icon
193
iShares Expanded Tech-Software Sector ETF
IGV
$12.5B
$214K 0.03%
2,028
– –
ADBE icon
194
Adobe
ADBE
$98.5B
$214K 0.03%
+611
New +$208K
ESGD icon
195
iShares ESG Aware MSCI EAFE ETF
ESGD
$12B
$212K 0.02%
2,226
+22
+1% +$2.07K
PHYS icon
196
Sprott Physical Gold
PHYS
$14.8B
$210K 0.02%
+6,369
New +$202K
CRBN icon
197
iShares Low Carbon Optimized MSCI ACWI ETF
CRBN
$1.14B
$209K 0.02%
907
-131
-13% -$30.1K
KMB icon
198
Kimberly-Clark
KMB
$36.6B
$207K 0.02%
+2,056
New +$225K
D icon
199
Dominion Energy
D
$61.3B
$207K 0.02%
+3,532
New +$213K
MSOX icon
200
AdvisorShares MSOS 2X Daily ETF
MSOX
$49.4M
$134K 0.02%
+30,000
New +$175K
5 6 7
8
9

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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.