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PF

Penney Financial Portfolio holdings

AUM $286M
1-Year Est. Return 15.45%
This Fund
S&P 500
This Quarter Est. Return
+5.32%
1 Year Est. Return
+15.45%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$223M
AUM Growth
+$26.6M
Cap. Flow
+$15.7M
Cap. Flow %
7.05%
Top 10 Hldgs %
77.71%
Holding
51
New
9
Increased
21
Reduced
6
Closed
2

Top Buys

Rank Stock Value
1
SGOV icon
iShares 0-3 Month Treasury Bond ETF
SGOV
+$3.81M
2
FLMI icon
Franklin Dynamic Municipal Bond ETF
FLMI
+$1.86M
3
CGMU icon
Capital Group Municipal Income ETF
CGMU
+$1.58M
4
DFNM icon
Dimensional National Municipal Bond ETF
DFNM
+$1.51M
5
IEFA icon
iShares Core MSCI EAFE ETF
IEFA
+$1.39M

Top Sells

Rank Stock Value
1
IWF icon
iShares Russell 1000 Growth ETF
IWF
+$468K
2
IVV icon
iShares Core S&P 500 ETF
IVV
+$309K
3
KMI icon
Kinder Morgan
KMI
+$276K
4
GVA icon
Granite Construction
GVA
+$103K
5
VB icon
Vanguard Morningstar Small-Cap ETF
VB
+$39.7K

Sector Composition

Rank Sector Weight
1 Technology 1.55%
2 Energy 0.92%
3 Industrials 0.41%
4 Consumer Discretionary 0.32%
5 Financials 0.19%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
CVX icon
26
Chevron
CVX
$379B
$855K 0.38%
5,508
+173
+3% +$26.8K
VOO icon
27
Vanguard S&P 500 ETF
VOO
$1.01T
$770K 0.34%
1,257
+334
+36% +$197K
JQUA icon
28
JPMorgan US Quality Factor ETF
JQUA
$8.48B
$751K 0.34%
11,943
– –
AMZN icon
29
Amazon
AMZN
$2.99T
$716K 0.32%
3,261
+402
+14% +$91K
LNG icon
30
Cheniere Energy
LNG
$53.9B
$640K 0.29%
2,725
– –
SHYM
31
iShares Short Duration High Yield Muni Active ETF
SHYM
$800M
$610K 0.27%
27,300
– –
IWM icon
32
iShares Russell 2000 ETF
IWM
$83B
$533K 0.24%
2,203
– –
ITOT icon
33
iShares Core S&P Total US Stock Market ETF
ITOT
$97.5B
$507K 0.23%
+3,481
New +$488K
NSP icon
34
Insperity
NSP
$2.02B
$343K 0.15%
6,976
– –
AVGO icon
35
Broadcom
AVGO
$1.99T
$330K 0.15%
1,000
– –
EQNR icon
36
Equinor
EQNR
$93.1B
$324K 0.15%
13,297
– –
BSV icon
37
Vanguard Short-Term Bond ETF
BSV
$44.6B
$305K 0.14%
3,866
-64
-2% -$5.03K
GVA icon
38
Granite Construction
GVA
$5.34B
$290K 0.13%
2,647
-1,000
-27% -$103K
META icon
39
Meta Platforms (Facebook)
META
$1.5T
$282K 0.13%
+384
New +$286K
IJH icon
40
iShares Core S&P Mid-Cap ETF
IJH
$126B
$272K 0.12%
4,175
– –
FDX icon
41
FedEx
FDX
$74.1B
$271K 0.12%
1,151
-1
-0.1% -$231
SCHX icon
42
Schwab US Large- Cap ETF
SCHX
$74.2B
$259K 0.12%
9,816
– –
VUG icon
43
Vanguard Morningstar Growth ETF
VUG
$230B
$249K 0.11%
+3,114
New +$238K
XOM icon
44
ExxonMobil
XOM
$638B
$228K 0.1%
+2,026
New +$225K
CWI icon
45
State Street SPDR MSCI ACWI ex-US ETF
CWI
$2.84B
$228K 0.1%
6,540
– –
LLY icon
46
Eli Lilly
LLY
$995B
$227K 0.1%
+297
New +$221K
V icon
47
Visa
V
$690B
$220K 0.1%
645
– –
JPM icon
48
JPMorgan Chase
JPM
$950B
$208K 0.09%
658
-40
-6% -$11.9K
XLK icon
49
State Street Technology Select Sector SPDR ETF
XLK
$123B
$203K 0.09%
+1,440
New +$191K
IWF icon
50
iShares Russell 1000 Growth ETF
IWF
$127B
– –
-4,412
Closed -$468K
1
2
3

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SIIL
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AWM
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Penney Financial's Q3 2025 Portfolio in Review

As of Q3 2025, Penney Financial held 51 positions worth $223M, up 14% from $197M the previous quarter. Its ten largest holdings account for 78% of the portfolio.

Penney Financial deployed $15.7M of net new capital in Q3 2025, opening 9 new positions and adding to 21 existing holdings. Its largest new stake was Franklin Dynamic Municipal Bond ETF: 76,537 shares worth $1.9M.

By sector, the portfolio is most concentrated in Technology at 1.5% of assets, up from 1.4% a quarter earlier, followed by Energy and Industrials.

On the sell side, the largest reduction was iShares Core S&P 500 ETF, an estimated $309K trimmed.

  • Penney Financial's largest Q3 2025 buy was Franklin Dynamic Municipal Bond ETF: 76,537 shares worth $1.9M.
  • Penney Financial added most to iShares 0-3 Month Treasury Bond ETF in Q3 2025, an estimated $3.81M increase.
  • Penney Financial's biggest Q3 2025 reduction was iShares Core S&P 500 ETF, cutting an estimated $309K.
  • Penney Financial fully exited iShares Russell 1000 Growth ETF in Q3 2025, selling an estimated $468K.
  • Penney Financial's ten largest holdings make up 78% of its $223M portfolio in Q3 2025.
  • Penney Financial opened 9 new positions and closed 2 in Q3 2025.
  • Penney Financial's portfolio value rose 14% quarter-over-quarter to $223M.

Based on Penney Financial's 13F filing for Q3 2025, filed 21 Oct 2025.