Flower City Capital
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 22, 2026), Flower City Capital reported 44 stock positions worth $196.1 million. Its top holding was Vanguard Russell 1000 (VONE) at 37.5% of the portfolio, followed by Vanguard Ftse All-World Ex-U (VEU, 29.8%) and Vanguard S&P 500 ETF (VOO, 7.6%). Compared with Q3 2025, it opened 3 new positions, sold out of 2, added to 16 and reduced 11. The biggest buy was a new position in Vanguard Total Bond Market (BND) and the biggest sale Vanguard Total Intl Stock (VXUS, shares −43%).
- Most Recent 13F
- Q2 2026
- Location
- PITTSFORD, NY
- CIK
- 0001808394
- Portfolio Value
- $196.1M (Q4 2025)
- SEC Filing
- 0001808394-26-000001 ↗ filed Jan 22, 2026
Holdings Value
Holdings 44 stocks · $196.1M
| VONE Vanguard Russell 1000 | 37.51% | 238,010 | $73.6M | Add +3.8% |
| VEU Vanguard Ftse All-World Ex-U | 29.83% | 795,236 | $58.5M | Add +3.3% |
| VOO Vanguard S&P 500 ETF | 7.58% | 23,712 | $14.9M | No change |
| IVV iShares Core S&P 500 ETF | 4.33% | 12,399 | $8.5M | Reduce -0.7% |
| VSS Vanguard Ftse All Wo X-US SC | 2.95% | 40,378 | $5.8M | Add +2.5% |
| EFA iShares MSCI Eafe ETF | 2.85% | 58,263 | $5.6M | Reduce -0.1% |
| AAPL Apple Inc. | 2.09% | 15,073 | $4.1M | Reduce -4.0% |
| SCHX Schwab US Large-Cap ETF | 1.74% | 126,843 | $3.4M | Add +8.9% |
| VIOO Vanguard S&P Small-Cap 600 E | 1.57% | 27,813 | $3.1M | Add +4.9% |
| MSFT Microsoft Corp. | 0.79% | 3,212 | $1.6M | Add +0.1% |
| VEA Vanguard Ftse Developed ETF | 0.79% | 24,710 | $1.5M | Add +1.2% |
| NVDA Nvidia Corp. | 0.70% | 7,346 | $1.4M | Reduce -0.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.64% | 3,722 | $1.2M | Add +8.1% |
| AMZN Amazon.com Inc. | 0.52% | 4,411 | $1.0M | Reduce -3.0% |
| VTWO Vanguard Russell 2000 ETF | 0.48% | 9,506 | $946K | No change |
| SCHF Schwab Intl Equity ETF | 0.43% | 35,335 | $849K | Add +23.7% |
| GOOGL Alphabet Inc. Class A | 0.36% | 2,240 | $701K | No change |
| BND Vanguard Total Bond Market | 0.35% | 9,310 | $690K | New |
| VXUS Vanguard Total Intl Stock | 0.34% | 8,768 | $661K | Reduce -43.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.31% | 1,262 | $616K | Reduce -0.2% |
| CVX Chevron Corp. | 0.30% | 3,818 | $582K | Reduce -5.6% |
| VT Vanguard Tot World STK ETF | 0.29% | 3,968 | $560K | Add +0.4% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.25% | 6,096 | $489K | Add +4.7% |
| TPG TPG Inc. | 0.23% | 7,160 | $457K | New |
| GOOG Alphabet Inc. Class C | 0.21% | 1,341 | $421K | Reduce -4.9% |
| GE General Electric filed as GE AEROSPACE | 0.21% | 1,319 | $407K | No change |
| IWM iShares Russell 2000 ETF | 0.21% | 1,644 | $405K | No change |
| HD Home Depot Inc. | 0.19% | 1,100 | $379K | No change |
| JPM JPMorgan Chase & Co. | 0.19% | 1,147 | $370K | Reduce -5.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.18% | 1,174 | $348K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.17% | 1,318 | $340K | No change |
| IYW iShares Ustechnology ETF | 0.17% | 1,620 | $323K | No change |
| SCHA Schwab US Small-Cap ETF | 0.14% | 9,764 | $278K | Add +11.8% |
| IMRX Immuneering Corp. Class A | 0.14% | 42,229 | $278K | Add +44.5% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.14% | 8,388 | $275K | Add +15.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.12% | 485 | $244K | Reduce -23.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.12% | 818 | $237K | No change |
| AON Aon PLC Class A | 0.11% | 613 | $216K | No change |
| GEV GE Vernova Inc. | 0.11% | 329 | $215K | No change |
| WMT Walmart Inc. | 0.11% | 1,914 | $213K | New |
| GRVY Gravity Co. Ltd.-Sponsored ADR | 0.10% | 3,500 | $203K | No change |
| KURA Kura Oncology Inc. | 0.06% | 12,000 | $125K | Add +20.0% |
| PGEN Precigen Inc. | 0.04% | 21,000 | $88K | Add +5.0% |
| OTLK Outlook Therapeutics Inc. | 0.02% | 20,000 | $32K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| VXUS Vanguard Total Intl Stock | Reduce -43.2% | 0.34% | −0.27 |
| TPL Texas Pacific Land Corp. | Sold out | 0.00% | −0.18 |
| IVV iShares Core S&P 500 ETF | Reduce -0.7% | 4.33% | −0.16 |
| WPM Wheaton Precious Metals Corp. | Sold out | 0.00% | −0.13 |
| EFA iShares MSCI Eafe ETF | Reduce -0.1% | 2.85% | −0.07 |
| AAPL Apple Inc. | Reduce -4.0% | 2.09% | −0.06 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -23.9% | 0.12% | −0.05 |
| CVX Chevron Corp. | Reduce -5.6% | 0.30% | −0.04 |
| NVDA Nvidia Corp. | Reduce -0.2% | 0.70% | −0.04 |
| AMZN Amazon.com Inc. | Reduce -3.0% | 0.52% | −0.02 |
| JPM JPMorgan Chase & Co. | Reduce -5.3% | 0.19% | −0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.2% | 0.31% | −0.01 |
| GOOG Alphabet Inc. Class C | Reduce -4.9% | 0.21% | +0.03 |
Portfolio Buys Q3 2025 → Q4 2025
| BND Vanguard Total Bond Market | New | 0.35% | +0.35 |
| VEU Vanguard Ftse All-World Ex-U | Add +3.3% | 29.83% | +0.29 |
| VONE Vanguard Russell 1000 | Add +3.8% | 37.51% | +0.24 |
| TPG TPG Inc. | New | 0.23% | +0.23 |
| WMT Walmart Inc. | New | 0.11% | +0.11 |
| SCHX Schwab US Large-Cap ETF | Add +8.9% | 1.74% | +0.09 |
| SCHF Schwab Intl Equity ETF | Add +23.7% | 0.43% | +0.08 |
| IMRX Immuneering Corp. Class A | Add +44.5% | 0.14% | +0.03 |
| VTI VG Morningstar TS MKT ETF-US | Add +8.1% | 0.64% | +0.03 |
| KURA Kura Oncology Inc. | Add +20.0% | 0.06% | +0.02 |
| SCHA Schwab US Small-Cap ETF | Add +11.8% | 0.14% | +0.01 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +15.4% | 0.14% | +0.01 |
| PGEN Precigen Inc. | Add +5.0% | 0.04% | +0.01 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +4.7% | 0.25% | +0.00 |
| VEA Vanguard Ftse Developed ETF | Add +1.2% | 0.79% | +0.00 |
| VIOO Vanguard S&P Small-Cap 600 E | Add +4.9% | 1.57% | −0.00 |
| VT Vanguard Tot World STK ETF | Add +0.4% | 0.29% | −0.01 |
| VSS Vanguard Ftse All Wo X-US SC | Add +2.5% | 2.95% | −0.07 |
| MSFT Microsoft Corp. | Add +0.1% | 0.79% | −0.10 |
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 |