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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
+1.54%
1 Year Est. Return
+15.45%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$259M
AUM Growth
+$35.8M
Cap. Flow
+$32.2M
Cap. Flow %
12.44%
Top 10 Hldgs %
75.64%
Holding
51
New
2
Increased
25
Reduced
2
Closed
2

Top Buys

Rank Stock Value
1
SGOV icon
iShares 0-3 Month Treasury Bond ETF
SGOV
+$6.62M
2
GSLC icon
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
+$4.82M
3
FLMI icon
Franklin Dynamic Municipal Bond ETF
FLMI
+$4.57M
4
CGMU icon
Capital Group Municipal Income ETF
CGMU
+$2.88M
5
DFNM icon
Dimensional National Municipal Bond ETF
DFNM
+$2.73M

Top Sells

Rank Stock Value
1
SHYM
iShares Short Duration High Yield Muni Active ETF
SHYM
+$610K
2
XLK icon
State Street Technology Select Sector SPDR ETF
XLK
+$203K
3
AMZN icon
Amazon
AMZN
+$39.8K
4
IJH icon
iShares Core S&P Mid-Cap ETF
IJH
+$39.3K

Sector Composition

Rank Sector Weight
1 Technology 1.42%
2 Energy 0.75%
3 Industrials 0.35%
4 Consumer Discretionary 0.27%
5 Communication Services 0.2%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IWB icon
26
iShares Russell 1000 ETF
IWB
$49.9B
$889K 0.34%
2,380
– –
CVX icon
27
Chevron
CVX
$379B
$839K 0.32%
5,508
– –
JQUA icon
28
JPMorgan US Quality Factor ETF
JQUA
$8.48B
$755K 0.29%
11,943
– –
AMZN icon
29
Amazon
AMZN
$2.99T
$713K 0.28%
3,087
-174
-5% -$39.8K
IWM icon
30
iShares Russell 2000 ETF
IWM
$83B
$542K 0.21%
2,203
– –
LNG icon
31
Cheniere Energy
LNG
$53.9B
$530K 0.2%
2,725
– –
ITOT icon
32
iShares Core S&P Total US Stock Market ETF
ITOT
$97.5B
$518K 0.2%
3,481
– –
AVGO icon
33
Broadcom
AVGO
$1.99T
$346K 0.13%
1,000
– –
FDX icon
34
FedEx
FDX
$74.1B
$332K 0.13%
1,151
– –
LLY icon
35
Eli Lilly
LLY
$995B
$320K 0.12%
298
+1
+0.3% +$956
EQNR icon
36
Equinor
EQNR
$93.1B
$314K 0.12%
13,297
– –
GVA icon
37
Granite Construction
GVA
$5.34B
$305K 0.12%
2,647
– –
BSV icon
38
Vanguard Short-Term Bond ETF
BSV
$44.6B
$305K 0.12%
3,866
– –
NSP icon
39
Insperity
NSP
$2.02B
$270K 0.1%
6,976
– –
SCHX icon
40
Schwab US Large- Cap ETF
SCHX
$74.2B
$264K 0.1%
9,816
– –
XOM icon
41
ExxonMobil
XOM
$638B
$263K 0.1%
2,187
+161
+8% +$18.7K
GOOGL icon
42
Alphabet (Google) Class A
GOOGL
$4.62T
$259K 0.1%
+829
New +$237K
META icon
43
Meta Platforms (Facebook)
META
$1.5T
$253K 0.1%
384
– –
VUG icon
44
Vanguard Morningstar Growth ETF
VUG
$230B
$253K 0.1%
3,114
– –
IJH icon
45
iShares Core S&P Mid-Cap ETF
IJH
$126B
$236K 0.09%
3,575
-600
-14% -$39.3K
CWI icon
46
State Street SPDR MSCI ACWI ex-US ETF
CWI
$2.84B
$235K 0.09%
6,540
– –
V icon
47
Visa
V
$690B
$226K 0.09%
645
– –
JPM icon
48
JPMorgan Chase
JPM
$950B
$212K 0.08%
658
– –
BTI icon
49
British American Tobacco
BTI
$128B
$204K 0.08%
+3,603
New +$197K
XLK icon
50
State Street Technology Select Sector SPDR ETF
XLK
$123B
– –
-1,440
Closed -$203K
1
2
3

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4WM
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HMP
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SIIL
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ONPI
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AWM
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Penney Financial's Q4 2025 Portfolio in Review

As of Q4 2025, Penney Financial held 51 positions worth $259M, up 16% from $223M the previous quarter. Its ten largest holdings account for 76% of the portfolio.

Penney Financial deployed $32.2M of net new capital in Q4 2025, opening 2 new positions and adding to 25 existing holdings. Its largest new stake was Alphabet (Google) Class A: 829 shares worth $259K.

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

On the sell side, the largest reduction was Amazon, an estimated $39.8K trimmed.

  • Penney Financial's largest Q4 2025 buy was Alphabet (Google) Class A: 829 shares worth $259K.
  • Penney Financial added most to iShares 0-3 Month Treasury Bond ETF in Q4 2025, an estimated $6.62M increase.
  • Penney Financial's biggest Q4 2025 reduction was Amazon, cutting an estimated $39.8K.
  • Penney Financial fully exited iShares Short Duration High Yield Muni Active ETF in Q4 2025, selling an estimated $610K.
  • Penney Financial's ten largest holdings make up 76% of its $259M portfolio in Q4 2025.
  • Penney Financial opened 2 new positions and closed 2 in Q4 2025.
  • Penney Financial's portfolio value rose 16% quarter-over-quarter to $259M.

Based on Penney Financial's 13F filing for Q4 2025, filed 21 Jan 2026.