Flower City Capital
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 8, 2025), Flower City Capital reported 43 stock positions worth $186.0 million. Its top holding was Vanguard Russell 1000 (VONE) at 37.3% of the portfolio, followed by Vanguard Ftse All-World Ex-U (VEU, 29.5%) and Vanguard S&P 500 ETF (VOO, 7.8%). Compared with Q2 2025, it opened 5 new positions, sold out of 1, added to 6 and reduced 17. The biggest buy was Vanguard Russell 1000 (VONE, shares +5%) and the biggest sale Ste STR SPDR PT S&P 500 ETF (SPYM, shares −70%).
- Most Recent 13F
- Q2 2026
- Location
- PITTSFORD, NY
- CIK
- 0001808394
- Portfolio Value
- $186.0M (Q3 2025)
- SEC Filing
- 0001808394-25-000008 ↗ filed Oct 8, 2025
Holdings Value
Holdings 43 stocks · $186.0M
| VONE Vanguard Russell 1000 | 37.27% | 229,263 | $69.3M | Add +4.7% |
| VEU Vanguard Ftse All-World Ex-U | 29.54% | 769,900 | $54.9M | Add +2.6% |
| VOO Vanguard S&P 500 ETF | 7.83% | 23,712 | $14.6M | Reduce -3.4% |
| IVV iShares Core S&P 500 ETF | 4.50% | 12,492 | $8.4M | Reduce -2.5% |
| VSS Vanguard Ftse All Wo X-US SC | 3.02% | 39,376 | $5.6M | Reduce -2.5% |
| EFA iShares MSCI Eafe ETF | 2.93% | 58,316 | $5.4M | Reduce -0.8% |
| AAPL Apple Inc. | 2.15% | 15,710 | $4.0M | Reduce -6.2% |
| SCHX Schwab US Large-Cap ETF | 1.65% | 116,483 | $3.1M | Reduce -1.9% |
| VIOO Vanguard S&P Small-Cap 600 E | 1.57% | 26,517 | $2.9M | Add +4.0% |
| MSFT Microsoft Corp. | 0.89% | 3,210 | $1.7M | Add +9.7% |
| VEA Vanguard Ftse Developed ETF | 0.79% | 24,417 | $1.5M | No change |
| NVDA Nvidia Corp. | 0.74% | 7,360 | $1.4M | No change |
| VXUS Vanguard Total Intl Stock | 0.61% | 15,444 | $1.1M | Add +73.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.61% | 3,442 | $1.1M | No change |
| AMZN Amazon.com Inc. | 0.54% | 4,550 | $999K | No change |
| VTWO Vanguard Russell 2000 ETF | 0.50% | 9,506 | $930K | Reduce -0.7% |
| SCHF Schwab Intl Equity ETF | 0.36% | 28,556 | $665K | Reduce -0.0% |
| CVX Chevron Corp. | 0.34% | 4,044 | $628K | New |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.33% | 1,264 | $607K | Reduce -6.2% |
| VT Vanguard Tot World STK ETF | 0.29% | 3,953 | $545K | Add +4.3% |
| GOOGL Alphabet Inc. Class A | 0.29% | 2,240 | $545K | No change |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.25% | 5,822 | $456K | Reduce -70.1% |
| HD Home Depot Inc. | 0.24% | 1,100 | $446K | Reduce -11.7% |
| IWM iShares Russell 2000 ETF | 0.21% | 1,644 | $398K | Reduce -0.1% |
| GE General Electric filed as GE AEROSPACE | 0.21% | 1,319 | $397K | No change |
| JPM JPMorgan Chase & Co. | 0.21% | 1,211 | $382K | No change |
| GOOG Alphabet Inc. Class C | 0.18% | 1,410 | $343K | No change |
| TPL Texas Pacific Land Corp. | 0.18% | 366 | $342K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.18% | 1,318 | $337K | Reduce -2.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.18% | 1,174 | $331K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.17% | 637 | $320K | No change |
| IYW iShares Ustechnology ETF | 0.17% | 1,620 | $317K | No change |
| SCHA Schwab US Small-Cap ETF | 0.13% | 8,732 | $244K | Reduce -0.0% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.13% | 7,271 | $243K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.13% | 818 | $241K | No change |
| WPM Wheaton Precious Metals Corp. | 0.13% | 2,127 | $238K | New |
| GRVY Gravity Co. Ltd.-Sponsored ADR | 0.12% | 3,500 | $224K | Reduce -22.2% |
| AON Aon PLC Class A | 0.12% | 613 | $219K | Reduce -20.8% |
| IMRX Immuneering Corp. Class A | 0.11% | 29,229 | $205K | Reduce -8.7% |
| GEV GE Vernova Inc. | 0.11% | 329 | $202K | New |
| KURA Kura Oncology Inc. | 0.05% | 10,000 | $89K | No change |
| PGEN Precigen Inc. | 0.04% | 20,000 | $66K | New |
| OTLK Outlook Therapeutics Inc. | 0.01% | 20,000 | $21K | New |
Portfolio Sells Q2 2025 → Q3 2025
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -70.1% | 0.25% | −0.59 |
| VOO Vanguard S&P 500 ETF | Reduce -3.4% | 7.83% | −0.42 |
| IVV iShares Core S&P 500 ETF | Reduce -2.5% | 4.50% | −0.20 |
| VSS Vanguard Ftse All Wo X-US SC | Reduce -2.5% | 3.02% | −0.18 |
| EFA iShares MSCI Eafe ETF | Reduce -0.8% | 2.93% | −0.17 |
| REGN Regeneron Pharmaceuticals | Sold out | 0.00% | −0.15 |
| SCHX Schwab US Large-Cap ETF | Reduce -1.9% | 1.65% | −0.06 |
| GRVY Gravity Co. Ltd.-Sponsored ADR | Reduce -22.2% | 0.12% | −0.05 |
| AON Aon PLC Class A | Reduce -20.8% | 0.12% | −0.05 |
| HD Home Depot Inc. | Reduce -11.7% | 0.24% | −0.03 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -6.2% | 0.33% | −0.02 |
| SCHF Schwab Intl Equity ETF | Reduce -0.0% | 0.36% | −0.01 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.1% | 0.18% | −0.01 |
| SCHA Schwab US Small-Cap ETF | Reduce -0.0% | 0.13% | +0.00 |
| IWM iShares Russell 2000 ETF | Reduce -0.1% | 0.21% | +0.00 |
| VTWO Vanguard Russell 2000 ETF | Reduce -0.7% | 0.50% | +0.01 |
| IMRX Immuneering Corp. Class A | Reduce -8.7% | 0.11% | +0.05 |
| AAPL Apple Inc. | Reduce -6.2% | 2.15% | +0.13 |
Portfolio Buys Q2 2025 → Q3 2025
| VONE Vanguard Russell 1000 | Add +4.7% | 37.27% | +1.00 |
| CVX Chevron Corp. | New | 0.34% | +0.34 |
| VXUS Vanguard Total Intl Stock | Add +73.7% | 0.61% | +0.25 |
| WPM Wheaton Precious Metals Corp. | New | 0.13% | +0.13 |
| GEV GE Vernova Inc. | New | 0.11% | +0.11 |
| VIOO Vanguard S&P Small-Cap 600 E | Add +4.0% | 1.57% | +0.05 |
| MSFT Microsoft Corp. | Add +9.7% | 0.89% | +0.04 |
| PGEN Precigen Inc. | New | 0.04% | +0.04 |
| OTLK Outlook Therapeutics Inc. | New | 0.01% | +0.01 |
| VT Vanguard Tot World STK ETF | Add +4.3% | 0.29% | +0.01 |
| VEU Vanguard Ftse All-World Ex-U | Add +2.6% | 29.54% | −0.20 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 49 | $227.1M | VONE, VEU, VOO, IVV, VSS |
| Q1 2026 | 46 | $199.3M | VONE, VEU, VOO, IVV, VSS |
| Q4 2025 | 44 | $196.1M | VONE, VEU, VOO, IVV, VSS |
| Q3 2025 | 43 | $186.0M | VONE, VEU, VOO, IVV, VSS |
| Q2 2025 | 39 | $169.6M | VONE, VEU, VOO, IVV, VSS |
| Q1 2025 | 38 | $152.5M | VONE, VEU, VOO, IVV, EFA |
| Q4 2024 | 34 | $163.5M | VONE, VEU, BND, VOO, IVV |
| Q3 2024 | 33 | $170.3M | VONE, VEU, BND, VOO, IVV |
| Q2 2024 | 32 | $154.9M | VONE, VEU, BND, VOO, IVV |
| Q1 2024 | 32 | $150.5M | VONE, VEU, BND, VOO, IVV |