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VFS

Valpey Financial Services Portfolio holdings

AUM $154M
1-Year Est. Return 13.26%
This Fund
S&P 500
This Quarter Est. Return
+1.26%
1 Year Est. Return
+13.26%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$157M
AUM Growth
+$3.85M
Cap. Flow
+$1.96M
Cap. Flow %
1.25%
Top 10 Hldgs %
41.62%
Holding
73
New
1
Increased
50
Reduced
21
Closed
1

Top Buys

Rank Stock Value
1
VTI icon
Vanguard Total Stock Market ETF
VTI
+$401K
2
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$387K
3
SCHO icon
Schwab Short-Term US Treasury ETF
SCHO
+$329K
4
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$292K
5
BND icon
Vanguard Total Bond Market
BND
+$270K

Top Sells

Rank Stock Value
1
AAPL icon
Apple
AAPL
+$897K
2
VUG icon
Vanguard Growth ETF
VUG
+$330K
3
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$192K
4
SPYG icon
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
+$126K
5
SHV icon
iShares 0-1 Year Treasury Bond ETF
SHV
+$104K

Sector Composition

Rank Sector Weight
1 Technology 1.21%
2 Energy 0.3%
3 Financials 0.28%
4 Communication Services 0.2%
5 Industrials 0.13%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTV icon
1
Vanguard Value ETF
VTV
$188B
$8.39M 5.36%
43,924
+20
+0% +$3.76K
VUG icon
2
Vanguard Growth ETF
VUG
$217B
$8.17M 5.22%
100,464
-4,068
-4% -$330K
SCHG icon
3
Schwab US Large-Cap Growth ETF
SCHG
$58.4B
$8M 5.11%
245,365
-5,910
-2% -$192K
BNDX icon
4
Vanguard Total International Bond ETF
BNDX
$81.8B
$6.75M 4.31%
139,723
+7,836
+6% +$387K
SCHV
5
Schwab US Large-Cap Value ETF
SCHV
$15.8B
$6.25M 3.99%
211,120
+3,675
+2% +$107K
VXUS icon
6
Vanguard Total International Stock ETF
VXUS
$153B
$6.04M 3.86%
80,100
+763
+1% +$57K
VEU icon
7
Vanguard FTSE All-World ex-US ETF
VEU
$65.8B
$5.52M 3.52%
75,033
-756
-1% -$55K
SPDW icon
8
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$39.7B
$5.51M 3.52%
124,004
+342
+0.3% +$14.9K
SCHF icon
9
Schwab International Equity ETF
SCHF
$65.7B
$5.32M 3.39%
221,193
-2,463
-1% -$58.5K
SCHO icon
10
Schwab Short-Term US Treasury ETF
SCHO
$12.7B
$5.25M 3.35%
215,297
+13,485
+7% +$329K
BND icon
11
Vanguard Total Bond Market
BND
$157B
$5.24M 3.34%
70,702
+3,633
+5% +$270K
BSV icon
12
Vanguard Short-Term Bond ETF
BSV
$44.6B
$4.86M 3.1%
61,662
+1,812
+3% +$143K
VO icon
13
Vanguard Mid-Cap ETF
VO
$106B
$4.42M 2.82%
60,960
+1,148
+2% +$83.5K
VBR icon
14
Vanguard Small-Cap Value ETF
VBR
$36.8B
$4.27M 2.73%
20,162
+44
+0.2% +$9.21K
SCHM icon
15
Schwab US Mid-Cap ETF
SCHM
$14.7B
$4.22M 2.7%
140,495
-1,442
-1% -$43K
SCHZ icon
16
Schwab US Aggregate Bond ETF
SCHZ
$10.5B
$3.75M 2.39%
160,420
+3,899
+2% +$91.6K
SCHA icon
17
Schwab U.S Small- Cap ETF
SCHA
$22.7B
$3.64M 2.32%
127,765
-2,698
-2% -$76.2K
IUSG icon
18
iShares Core S&P US Growth ETF
IUSG
$31.3B
$3.53M 2.25%
20,991
-68
-0.3% -$11.3K
VONV icon
19
Vanguard Russell 1000 Value ETF
VONV
$20.2B
$3.46M 2.21%
37,471
+251
+0.7% +$22.8K
IUSV icon
20
iShares Core S&P US Value ETF
IUSV
$26.9B
$2.96M 1.89%
28,888
-265
-0.9% -$26.9K
VTC icon
21
Vanguard Total Corporate Bond ETF
VTC
$1.72B
$2.88M 1.84%
37,042
+971
+3% +$75.9K
AGG icon
22
iShares Core US Aggregate Bond ETF
AGG
$137B
$2.87M 1.83%
28,763
+155
+0.5% +$15.6K
BKLN icon
23
Invesco Senior Loan ETF
BKLN
$7.09B
$2.48M 1.58%
117,926
+5,846
+5% +$122K
TIP icon
24
iShares TIPS Bond ETF
TIP
$14.5B
$2.43M 1.55%
22,100
+212
+1% +$23.5K
IVOO icon
25
Vanguard S&P Mid-Cap 400 ETF
IVOO
$3.72B
$2.3M 1.47%
20,614
+836
+4% +$92.7K
1
2 3

Similar funds

MDP
Millbank Dartmoor Portsmouth Asheville, North Carolina $154M AUM
HPM
H. Partners Management New York $154M AUM 19.94% 1-Year Est. Return
CCA
Cravens & Co Advisors Cookeville, Tennessee $154M AUM 17.67% 1-Year Est. Return
CPCP
Cedar Point Capital Partners Cedar Rapids, Iowa $154M AUM 16.57% 1-Year Est. Return
SOWAS
Silver Oak Wealth Advisors Services Los Angeles, California $154M AUM 13.96% 1-Year Est. Return
AFC
Alpine Fox Capital Las Vegas, Nevada $154M AUM
SHU
SBI Holdings USA Santa Clara, California $154M AUM
BVC
Bright Valley Capital Hong Kong $153M AUM 16.24% 1-Year Est. Return

Valpey Financial Services's Q4 2025 Portfolio in Review

As of Q4 2025, Valpey Financial Services held 73 positions worth $157M, up 2.5% from $153M the previous quarter. Its ten largest holdings account for 42% of the portfolio.

Trading was light in Q4 2025: portfolio turnover was 2.7%. Valpey Financial Services opened 1 new position and exited 1, leaving the 73-position portfolio largely intact.

By sector, the portfolio is most concentrated in Technology at 1.2% of assets, down from 1.9% a quarter earlier, followed by Energy and Financials.

  • Valpey Financial Services's largest Q4 2025 buy was iShares 1-5 Year Investment Grade Corporate Bond ETF: 3,788 shares worth $200K.
  • Valpey Financial Services added most to Vanguard Total Stock Market ETF in Q4 2025, an estimated $401K increase.
  • Valpey Financial Services's biggest Q4 2025 reduction was Vanguard Growth ETF, cutting an estimated $330K.
  • Valpey Financial Services fully exited Apple in Q4 2025, selling an estimated $897K.
  • Valpey Financial Services's ten largest holdings make up 42% of its $157M portfolio in Q4 2025.
  • Valpey Financial Services opened 1 new position and closed 1 in Q4 2025.
  • Valpey Financial Services's portfolio value rose 2.5% quarter-over-quarter to $157M.

Based on Valpey Financial Services's 13F filing for Q4 2025, filed 10 Feb 2026.