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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
QUAL icon
1
iShares MSCI USA Quality Factor ETF
QUAL
$46.2B
$101M 11.79%
507,751
+2,581
+0.5% +$507K
SCHD icon
2
Schwab US Dividend Equity ETF
SCHD
$105B
$53.6M 6.27%
1,955,537
-34,712
-2% -$944K
VIG icon
3
Vanguard Dividend Appreciation ETF
VIG
$113B
$43M 5.03%
195,818
+7,141
+4% +$1.56M
SPGP icon
4
Invesco S&P 500 GARP ETF
SPGP
$2.25B
$38.2M 4.47%
335,500
-9,443
-3% -$1.07M
RSP icon
5
Invesco S&P 500 Equal Weight ETF
RSP
$98B
$36.7M 4.29%
191,639
-4,763
-2% -$904K
AAPL icon
6
Apple
AAPL
$4.97T
$35.4M 4.14%
130,295
-1,958
-1% -$526K
GTO icon
7
Invesco Total Return Bond ETF
GTO
$2.42B
$35.1M 4.11%
741,142
+16,215
+2% +$772K
HTRB icon
8
Hartford Total Return Bond ETF
HTRB
$2.23B
$31.6M 3.7%
926,744
+27,704
+3% +$954K
DGRW icon
9
WisdomTree Trust WisdomTree US Quality Dividend Growth Fund
DGRW
$16.7B
$31.2M 3.65%
349,177
+7,327
+2% +$653K
PTRB icon
10
PGIM Total Return Bond ETF
PTRB
$1.11B
$30.8M 3.6%
732,998
+55,578
+8% +$2.35M
SJNK icon
11
State Street SPDR Bloomberg Short Term High Yield Bond ETF
SJNK
$4.88B
$21.3M 2.49%
839,936
-28,064
-3% -$712K
TOTL icon
12
State Street DoubleLine Total Return Tactical ETF
TOTL
$4.11B
$21.2M 2.48%
526,120
+6,690
+1% +$271K
SCHG icon
13
Schwab US Large-Cap Growth ETF
SCHG
$58.6B
$21.2M 2.47%
648,561
+123,705
+24% +$4.02M
IQLT icon
14
iShares MSCI Intl Quality Factor ETF
IQLT
$13.6B
$20.3M 2.38%
447,563
+7,340
+2% +$329K
ANGL icon
15
VanEck Fallen Angel High Yield Bond ETF
ANGL
$3.08B
$18.1M 2.11%
615,543
+28,212
+5% +$830K
FNDF icon
16
Schwab Fundamental International Large Company Index ETF
FNDF
$24.4B
$17.7M 2.07%
391,467
+12,793
+3% +$567K
RDVY icon
17
First Trust Rising Dividend Achievers ETF
RDVY
$24.6B
$16.9M 1.98%
243,410
+14,444
+6% +$982K
SPY icon
18
State Street SPDR S&P 500 ETF Trust
SPY
$781B
$16.7M 1.96%
24,546
+673
+3% +$455K
VIGI icon
19
Vanguard International Dividend Appreciation ETF
VIGI
$9.03B
$16M 1.87%
174,488
+5,178
+3% +$468K
NVDA icon
20
NVIDIA
NVDA
$4.75T
$14.6M 1.71%
78,296
-219
-0.3% -$40.8K
XSOE icon
21
WisdomTree Emerging Markets ex-State-Owned Enterprises Fund
XSOE
$1.97B
$12M 1.4%
306,566
+4,963
+2% +$192K
MSFT icon
22
Microsoft
MSFT
$2.95T
$11.1M 1.3%
22,905
+1,345
+6% +$674K
QQQ icon
23
Invesco QQQ Trust
QQQ
$442B
$10.7M 1.25%
17,413
+26
+0.1% +$16K
CALF icon
24
Pacer US Small Cap Cash Cows 100 ETF
CALF
$3.72B
$9.33M 1.09%
210,377
-28,208
-12% -$1.24M
JPST icon
25
JPMorgan Ultra-Short Income ETF
JPST
$40.1B
$8.84M 1.03%
174,653
+111,780
+178% +$5.66M
1
2 3 4 5

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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.