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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
+6%
1 Year Est. Return
+20.02%
3 Year Est. Return
+50.21%
5 Year Est. Return
+49.22%
10 Year Est. Return
–
AUM
$817M
AUM Growth
+$56.7M
Cap. Flow
+$15.1M
Cap. Flow %
1.85%
Top 10 Hldgs %
52.33%
Holding
202
New
19
Increased
99
Reduced
50
Closed
5

Top Buys

Rank Stock Value
1
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$7.16M
2
SSB icon
SouthState Bank Corp
SSB
+$1.59M
3
QUAL icon
iShares MSCI USA Quality Factor ETF
QUAL
+$1.54M
4
RDVY icon
First Trust Rising Dividend Achievers ETF
RDVY
+$1.09M
5
VNOM icon
Viper Energy
VNOM
+$1.09M

Top Sells

Rank Stock Value
1
CALF icon
Pacer US Small Cap Cash Cows 100 ETF
CALF
+$2.13M
2
SCHD icon
Schwab US Dividend Equity ETF
SCHD
+$1.14M
3
FIXD icon
First Trust Smith Opportunistic Fixed Income ETF
FIXD
+$1.07M
4
FNGG icon
Direxion Daily NYSE FANG+ Bull 2X ETF
FNGG
+$647K
5
FPE icon
First Trust Preferred Securities and Income ETF
FPE
+$540K

Sector Composition

Rank Sector Weight
1 Technology 9.34%
2 Energy 3.01%
3 Financials 2.45%
4 Consumer Discretionary 1.93%
5 Industrials 0.8%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
QUAL icon
1
iShares MSCI USA Quality Factor ETF
QUAL
$46B
$98.3M 12.02%
505,170
+8,224
+2% +$1.54M
SCHD icon
2
Schwab US Dividend Equity ETF
SCHD
$103B
$54.3M 6.65%
1,990,249
-41,824
-2% -$1.14M
VIG icon
3
Vanguard Dividend Appreciation ETF
VIG
$112B
$40.7M 4.98%
188,677
+3,950
+2% +$829K
SPGP icon
4
Invesco S&P 500 GARP ETF
SPGP
$2.22B
$39.2M 4.8%
344,943
-1,235
-0.4% -$137K
RSP icon
5
Invesco S&P 500 Equal Weight ETF
RSP
$97.1B
$37.3M 4.56%
196,402
-2,343
-1% -$437K
GTO icon
6
Invesco Total Return Bond ETF
GTO
$2.42B
$34.4M 4.21%
724,927
+13,200
+2% +$621K
AAPL icon
7
Apple
AAPL
$4.95T
$33.7M 4.12%
132,253
-267
-0.2% -$60.3K
HTRB icon
8
Hartford Total Return Bond ETF
HTRB
$2.22B
$30.8M 3.77%
899,040
+13,179
+1% +$448K
DGRW icon
9
WisdomTree Trust WisdomTree US Quality Dividend Growth Fund
DGRW
$16.6B
$30.4M 3.72%
341,850
+7,471
+2% +$648K
PTRB icon
10
PGIM Total Return Bond ETF
PTRB
$1.11B
$28.6M 3.5%
677,420
+12,571
+2% +$526K
SJNK icon
11
State Street SPDR Bloomberg Short Term High Yield Bond ETF
SJNK
$4.88B
$22.2M 2.72%
868,000
+25,651
+3% +$653K
TOTL icon
12
State Street DoubleLine Total Return Tactical ETF
TOTL
$4.1B
$21.1M 2.58%
519,430
-6,992
-1% -$281K
IQLT icon
13
iShares MSCI Intl Quality Factor ETF
IQLT
$13.6B
$19.5M 2.38%
440,223
-1,162
-0.3% -$50.1K
ANGL icon
14
VanEck Fallen Angel High Yield Bond ETF
ANGL
$3.08B
$17.5M 2.14%
587,331
+34,451
+6% +$1.01M
SCHG icon
15
Schwab US Large-Cap Growth ETF
SCHG
$58.8B
$16.7M 2.05%
524,856
+234,959
+81% +$7.16M
FNDF icon
16
Schwab Fundamental International Large Company Index ETF
FNDF
$24.5B
$16.3M 1.99%
378,674
+2,423
+0.6% +$101K
SPY icon
17
State Street SPDR S&P 500 ETF Trust
SPY
$781B
$15.9M 1.95%
23,873
+23
+0.1% +$14.7K
RDVY icon
18
First Trust Rising Dividend Achievers ETF
RDVY
$24.6B
$15.4M 1.88%
228,966
+16,742
+8% +$1.09M
VIGI icon
19
Vanguard International Dividend Appreciation ETF
VIGI
$8.98B
$15.2M 1.86%
169,310
-1,431
-0.8% -$128K
NVDA icon
20
NVIDIA
NVDA
$4.76T
$14.6M 1.79%
78,515
+522
+0.7% +$91K
XSOE icon
21
WisdomTree Emerging Markets ex-State-Owned Enterprises Fund
XSOE
$2.02B
$11.4M 1.4%
301,603
-2,763
-0.9% -$99K
MSFT icon
22
Microsoft
MSFT
$2.89T
$11.2M 1.37%
21,560
+510
+2% +$260K
CALF icon
23
Pacer US Small Cap Cash Cows 100 ETF
CALF
$3.64B
$10.4M 1.28%
238,585
-50,480
-17% -$2.13M
QQQ icon
24
Invesco QQQ Trust
QQQ
$449B
$10.4M 1.28%
17,387
-8
-0% -$4.58K
MOAT icon
25
VanEck Morningstar Wide Moat ETF
MOAT
$11.7B
$8.41M 1.03%
84,825
-1,470
-2% -$143K
1
2 3 4 5

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Howard Financial Services's Q3 2025 Portfolio in Review

As of Q3 2025, Howard Financial Services held 202 positions worth $817M, up 7.5% from $761M the previous quarter. Its ten largest holdings account for 52% of the portfolio.

Howard Financial Services's Q3 2025 filing shows 19 new, 99 increased, 50 reduced and 5 closed positions. Its largest new stake was Vanguard Core Plus Bond ETF: 6,727 shares worth $529K. The largest sale was Pacer US Small Cap Cash Cows 100 ETF, an estimated $2.13M.

By sector, the portfolio is most concentrated in Technology at 9.3% of assets, up from 8.5% a quarter earlier, followed by Energy and Financials.

  • Howard Financial Services's largest Q3 2025 buy was Vanguard Core Plus Bond ETF: 6,727 shares worth $529K.
  • Howard Financial Services added most to Schwab US Large-Cap Growth ETF in Q3 2025, an estimated $7.16M increase.
  • Howard Financial Services's biggest Q3 2025 reduction was Pacer US Small Cap Cash Cows 100 ETF, cutting an estimated $2.13M.
  • Howard Financial Services fully exited Direxion Daily NYSE FANG+ Bull 2X ETF in Q3 2025, selling an estimated $647K.
  • Howard Financial Services's ten largest holdings make up 52% of its $817M portfolio in Q3 2025.
  • Howard Financial Services opened 19 new positions and closed 5 in Q3 2025.
  • Howard Financial Services's portfolio value rose 7.5% quarter-over-quarter to $817M.

Based on Howard Financial Services's 13F filing for Q3 2025, filed 23 Oct 2025.