Strategic Financial Services, Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 14, 2025), Strategic Financial Services, Inc. reported 142 stock positions worth $2.0 billion. Its top holding was iShares International Equity (INTF) at 15.5% of the portfolio, followed by iShares US Smallcap Equity F (SMLF, 14.0%) and iShares US Equity Factor ETF (LRGF, 13.2%). Compared with Q2 2025, it opened 8 new positions, sold out of 4, added to 53 and reduced 64. The biggest buy was SPDR Gold Minishares Trust (GLDM, shares +1%) and the biggest sale iShares Intermediate Governm (GVI, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- UTICA, NY
- CIK
- 0001432539
- Portfolio Value
- $2.0B (Q3 2025)
- SEC Filing
- 0001432539-25-000010 ↗ filed Nov 14, 2025
Holdings Value
Holdings 142 stocks · $2.0B
| INTF iShares International Equity | 15.49% | 8,598,454 | $308.8M | Add +0.3% |
| SMLF iShares US Smallcap Equity F | 13.97% | 3,745,097 | $278.4M | Add +0.0% |
| LRGF iShares US Equity Factor ETF | 13.20% | 3,808,047 | $263.1M | Reduce -0.3% |
| VGIT Vanguard Intermediate-Term T | 7.03% | 2,333,044 | $140.1M | Add +4.3% |
| GLDM SPDR Gold Minishares Trust | 5.36% | 1,397,914 | $106.9M | Add +0.6% |
| EMGF iShares Emerging Markets Equ | 5.32% | 1,873,012 | $106.0M | Reduce -0.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.24% | 1,056,698 | $84.5M | Add +1.8% |
| VCIT Vanguard Int-Term Corporate | 3.46% | 818,802 | $68.9M | Add +1.2% |
| VGLT Vanguard Long-Term Treasury | 3.38% | 1,186,149 | $67.4M | Add +1.0% |
| MTUM iShares MSCI USA Momentum Fa | 2.82% | 219,222 | $56.2M | Reduce -0.1% |
| VFMO Vanguard US Momentum Factor | 2.69% | 280,279 | $53.7M | Add +0.3% |
| VTIP Vanguard Short-Term Tips | 1.98% | 777,530 | $39.4M | Add +2.5% |
| DFIV Dimensional International Va | 1.97% | 851,030 | $39.2M | Reduce -0.8% |
| GSIE Goldman Sachs Activebeta Int | 1.91% | 927,844 | $38.1M | Reduce -2.3% |
| EUSA iShares MSCI USA Equal Weigh | 1.81% | 350,890 | $36.1M | Add +3.0% |
| GVI iShares Intermediate Governm | 1.50% | 278,586 | $29.9M | Reduce -2.0% |
| XBI SS SPDR S&P Biotech ETF | 1.43% | 285,137 | $28.6M | Add +1.4% |
| AAPL Apple Inc. | 0.91% | 71,604 | $18.2M | Reduce -0.7% |
| SIZE iShares MSCI USA Size Factor | 0.83% | 102,372 | $16.5M | Reduce -1.2% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.71% | 211,666 | $14.2M | Add +1.3% |
| GSLC Goldman Activebeta US LC ETF | 0.65% | 98,740 | $12.9M | Reduce -4.8% |
| GLD SPDR Gold Shares | 0.50% | 27,762 | $9.9M | Reduce -2.9% |
| GEM Goldman Sachs Activebeta Em | 0.48% | 236,749 | $9.6M | Reduce -3.7% |
| MSFT Microsoft Corp. | 0.44% | 17,110 | $8.9M | Reduce -1.1% |
| GOOG Alphabet Inc. Class C | 0.43% | 34,912 | $8.5M | Reduce -1.0% |
| JPM JPMorgan Chase & Co. | 0.41% | 25,969 | $8.2M | Reduce -2.1% |
| GSSC Goldman Sachs Activebeta US | 0.38% | 101,865 | $7.6M | Reduce -3.6% |
| ORCL Oracle Corp. | 0.34% | 24,449 | $6.9M | Reduce -7.6% |
| V Visa Inc. Class A | 0.28% | 16,486 | $5.6M | Reduce -1.1% |
| KLAC KLA Corp. | 0.27% | 5,050 | $5.4M | Reduce -2.0% |
| MCK McKesson Corp. | 0.27% | 6,877 | $5.3M | Reduce -1.1% |
| LRCX Lam Research Corp. | 0.26% | 38,629 | $5.2M | Reduce -0.5% |
| BLK BlackRock Inc. | 0.20% | 3,363 | $3.9M | Reduce -0.2% |
| JMOM JPMorgan US Momentum Factor | 0.17% | 50,403 | $3.4M | Reduce -4.2% |
| GE General Electric filed as GE AEROSPACE | 0.17% | 10,966 | $3.3M | Add +47.9% |
| TSLA Tesla Inc. | 0.15% | 6,835 | $3.0M | Add +0.3% |
| QCOM Qualcomm Inc. | 0.14% | 16,925 | $2.8M | Reduce -3.1% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.14% | 104,183 | $2.8M | Add +40.1% |
| COST Costco Wholesale Corp. | 0.14% | 3,022 | $2.8M | Reduce -1.6% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.14% | 14,140 | $2.8M | Add +0.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.14% | 8,366 | $2.7M | No change |
| NEE Nextera Energy Inc. | 0.13% | 34,207 | $2.6M | Reduce -1.0% |
| BKNG Booking Holdings Inc. | 0.12% | 434 | $2.3M | Reduce -0.9% |
| AMZN Amazon.com Inc. | 0.12% | 10,634 | $2.3M | Add +1.2% |
| XOM Exxon Mobil Corp. | 0.12% | 20,666 | $2.3M | Reduce -2.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.11% | 4,512 | $2.3M | Add +0.3% |
| GOOGL Alphabet Inc. Class A | 0.11% | 8,873 | $2.2M | Add +1.5% |
| NVDA Nvidia Corp. | 0.10% | 11,119 | $2.1M | Reduce -2.1% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.10% | 13,428 | $1.9M | Reduce -0.5% |
| VXUS Vanguard Total Intl Stock | 0.10% | 26,000 | $1.9M | Reduce -1.9% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.09% | 35,628 | $1.9M | Reduce -6.8% |
| CSCO Cisco Systems Inc. | 0.09% | 25,244 | $1.7M | Reduce -1.4% |
| NXPI NXP Semiconductors NV | 0.08% | 7,336 | $1.7M | Reduce -2.5% |
| JNJ Johnson & Johnson | 0.08% | 8,950 | $1.7M | Reduce -5.2% |
| MRK Merck & Co. Inc. | 0.08% | 19,309 | $1.6M | Reduce -4.5% |
| PEP Pepsico Inc. | 0.08% | 11,122 | $1.6M | Reduce -2.1% |
| UNH Unitedhealth Group Inc. | 0.07% | 4,314 | $1.5M | Reduce -22.7% |
| SBIO Alps Medical Breakthroughs | 0.07% | 37,593 | $1.5M | Reduce -1.1% |
| GEV GE Vernova Inc. | 0.07% | 2,297 | $1.4M | Add +22.8% |
| VTWO Vanguard Russell 2000 ETF | 0.07% | 14,035 | $1.4M | No change |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.07% | 27,162 | $1.4M | Add +49.5% |
| ULTA Ulta Beauty Inc. | 0.06% | 2,234 | $1.2M | Reduce -1.1% |
| IWF iShares Russell 1000 Growth | 0.06% | 2,568 | $1.2M | Reduce -11.9% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.06% | 2,426 | $1.2M | Add +3.9% |
| VIG Vanguard Dividend Apprec ETF | 0.06% | 5,242 | $1.1M | Add +1.6% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.06% | 3,983 | $1.1M | Reduce -6.0% |
| PG The Procter & Gamble Co. | 0.05% | 6,853 | $1.1M | Reduce -2.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.05% | 1,548 | $1.0M | Reduce -0.3% |
| META Meta Platforms Inc. Class A | 0.05% | 1,397 | $1.0M | Reduce -2.2% |
| MA Mastercard Inc. Class A | 0.05% | 1,772 | $1.0M | Reduce -0.1% |
| ABBV Abbvie Inc. | 0.05% | 4,155 | $962K | Reduce -0.6% |
| VEA Vanguard Ftse Developed ETF | 0.05% | 15,355 | $920K | No change |
| GS Goldman Sachs Group Inc. | 0.04% | 1,035 | $824K | Reduce -0.7% |
| PSX Phillips 66 | 0.04% | 5,997 | $816K | Add +0.0% |
| MS Morgan Stanley | 0.04% | 5,125 | $815K | Add +0.8% |
| ADP Automatic Data Processing | 0.04% | 2,523 | $741K | Add +0.1% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.03% | 2,362 | $694K | No change |
| WMT Walmart Inc. | 0.03% | 6,710 | $692K | Add +2.7% |
| DE Deere & Co. | 0.03% | 1,511 | $691K | Add +0.1% |
| SUB iShares Short-Term National | 0.03% | 6,392 | $683K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.03% | 12,177 | $660K | Add +1.9% |
| DFAT Dimensional US Target Value | 0.03% | 10,658 | $620K | No change |
| HD Home Depot Inc. | 0.03% | 1,475 | $598K | Add +8.9% |
| SCHW Schwab (charles) Corp. | 0.03% | 6,199 | $592K | Add +0.2% |
| MCD McDonald's Corp. | 0.03% | 1,932 | $587K | Add +6.5% |
| IDXX Idexx Laboratories Inc. | 0.03% | 908 | $580K | No change |
| CB Chubb Ltd. | 0.03% | 2,053 | $579K | Add +0.1% |
| AVGO Broadcom Inc. | 0.03% | 1,744 | $575K | Add +3.6% |
| PSA Public Storage | 0.03% | 1,896 | $548K | Add +0.1% |
| CBU Community Financial System I | 0.03% | 8,812 | $517K | No change |
| IEMG iShares Core MSCI Emerging | 0.03% | 7,665 | $505K | Reduce -8.6% |
| NWFL Norwood Financial Corp. | 0.03% | 19,846 | $504K | No change |
| ABT Abbott Laboratories | 0.02% | 3,458 | $463K | Reduce -3.1% |
| RTX RTX Corp. | 0.02% | 2,756 | $461K | Add +1.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.02% | 1,762 | $448K | Reduce -20.2% |
| KO The Coca-Cola Co. | 0.02% | 6,721 | $446K | Add +2.3% |
| DFUV Dimensional US Marketwide Va | 0.02% | 9,875 | $441K | No change |
| VONE Vanguard Russell 1000 | 0.02% | 1,425 | $431K | No change |
| CNMD Conmed Corp. | 0.02% | 9,024 | $424K | Reduce -5.0% |
| VLUE iShares MSCI USA Value Facto | 0.02% | 3,390 | $424K | Reduce -2.0% |
Portfolio Sells Q2 2025 → Q3 2025
| GVI iShares Intermediate Governm | Reduce -2.0% | 1.50% | −0.13 |
| GSIE Goldman Sachs Activebeta Int | Reduce -2.3% | 1.91% | −0.11 |
| V Visa Inc. Class A | Reduce -1.1% | 0.28% | −0.04 |
| SIZE iShares MSCI USA Size Factor | Reduce -1.2% | 0.83% | −0.04 |
| GSLC Goldman Activebeta US LC ETF | Reduce -4.8% | 0.65% | −0.03 |
| COST Costco Wholesale Corp. | Reduce -1.6% | 0.14% | −0.02 |
| MUB iShares National Muni Bond E | Sold out | 0.00% | −0.02 |
| UNH Unitedhealth Group Inc. | Reduce -22.7% | 0.07% | −0.02 |
| BKNG Booking Holdings Inc. | Reduce -0.9% | 0.12% | −0.02 |
| AMGN Amgen Inc. | Sold out | 0.00% | −0.02 |
| MSFT Microsoft Corp. | Reduce -1.1% | 0.44% | −0.02 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -0.1% | 2.82% | −0.02 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -6.8% | 0.09% | −0.01 |
| NKE Nike Inc. Class B | Sold out | 0.00% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Sold out | 0.00% | −0.01 |
| IBM Intl Business Machines Corp. | Reduce -6.0% | 0.06% | −0.01 |
| JMOM JPMorgan US Momentum Factor | Reduce -4.2% | 0.17% | −0.01 |
| CSCO Cisco Systems Inc. | Reduce -1.4% | 0.09% | −0.01 |
| QCOM Qualcomm Inc. | Reduce -3.1% | 0.14% | −0.01 |
| GEM Goldman Sachs Activebeta Em | Reduce -3.7% | 0.48% | −0.01 |
| MCK McKesson Corp. | Reduce -1.1% | 0.27% | −0.01 |
| GSSC Goldman Sachs Activebeta US | Reduce -3.6% | 0.38% | −0.01 |
| PG The Procter & Gamble Co. | Reduce -2.4% | 0.05% | −0.01 |
| ELV Elevance Health Inc. | Reduce -5.6% | 0.02% | −0.01 |
| DFIV Dimensional International Va | Reduce -0.8% | 1.97% | −0.01 |
| IWF iShares Russell 1000 Growth | Reduce -11.9% | 0.06% | −0.01 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -20.2% | 0.02% | −0.01 |
| XOM Exxon Mobil Corp. | Reduce -2.1% | 0.12% | −0.01 |
| CNMD Conmed Corp. | Reduce -5.0% | 0.02% | −0.01 |
| META Meta Platforms Inc. Class A | Reduce -2.2% | 0.05% | −0.01 |
| MRK Merck & Co. Inc. | Reduce -4.5% | 0.08% | −0.00 |
| NXPI NXP Semiconductors NV | Reduce -2.5% | 0.08% | −0.00 |
| VZ Verizon Communications Inc. | Reduce -19.2% | 0.01% | −0.00 |
| MA Mastercard Inc. Class A | Reduce -0.1% | 0.05% | −0.00 |
| MDLZ Mondelez International Inc. Class A | Reduce -3.7% | 0.02% | −0.00 |
| ABT Abbott Laboratories | Reduce -3.1% | 0.02% | −0.00 |
| NFLX Netflix Inc. | Reduce -0.9% | 0.01% | −0.00 |
| VXUS Vanguard Total Intl Stock | Reduce -1.9% | 0.10% | −0.00 |
| JPM JPMorgan Chase & Co. | Reduce -2.1% | 0.41% | −0.00 |
| PEP Pepsico Inc. | Reduce -2.1% | 0.08% | −0.00 |
| LLY Eli Lilly & Co. | Reduce -2.3% | 0.02% | −0.00 |
| EMB iShares JP Morgan Usd Emergi | Reduce -4.1% | 0.02% | −0.00 |
| IEMG iShares Core MSCI Emerging | Reduce -8.6% | 0.03% | −0.00 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -9.9% | 0.01% | −0.00 |
| HIG Hartford Insurance Group Inc. | Reduce -6.1% | 0.02% | −0.00 |
| IWM iShares Russell 2000 ETF | Reduce -10.2% | 0.01% | −0.00 |
| UNP Union Pacific Corp. | Reduce -0.7% | 0.01% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.3% | 0.05% | +0.00 |
| VLUE iShares MSCI USA Value Facto | Reduce -2.0% | 0.02% | +0.00 |
| NEE Nextera Energy Inc. | Reduce -1.0% | 0.13% | +0.00 |
Portfolio Buys Q2 2025 → Q3 2025
| GLDM SPDR Gold Minishares Trust | Add +0.6% | 5.36% | +0.46 |
| SMLF iShares US Smallcap Equity F | Add +0.0% | 13.97% | +0.28 |
| XBI SS SPDR S&P Biotech ETF | Add +1.4% | 1.43% | +0.18 |
| VFMO Vanguard US Momentum Factor | Add +0.3% | 2.69% | +0.10 |
| GE General Electric | Add +47.9% | 0.17% | +0.06 |
| TSLA Tesla Inc. | Add +0.3% | 0.15% | +0.04 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Add +40.1% | 0.14% | +0.03 |
| GOOGL Alphabet Inc. Class A | Add +1.5% | 0.11% | +0.03 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +49.5% | 0.07% | +0.02 |
| GEV GE Vernova Inc. | Add +22.8% | 0.07% | +0.02 |
| GLW Corning Inc. | New | 0.01% | +0.01 |
| BBH Vaneck Biotech ETF | New | 0.01% | +0.01 |
| SCHA Schwab US Small-Cap ETF | New | 0.01% | +0.01 |
| ROK Rockwell Automation Inc. | New | 0.01% | +0.01 |
| AXP American Express Co. | New | 0.01% | +0.01 |
| SPYM Ste STR SPDR PT S&P 500 ETF | New | 0.01% | +0.01 |
| SCHX Schwab US Large-Cap ETF | New | 0.01% | +0.01 |
| SCHF Schwab Intl Equity ETF | New | 0.01% | +0.01 |
| AVGO Broadcom Inc. | Add +3.6% | 0.03% | +0.00 |
| HD Home Depot Inc. | Add +8.9% | 0.03% | +0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +3.9% | 0.06% | +0.00 |
| CAT Caterpillar Inc. | Add +7.8% | 0.01% | +0.00 |
| PSX Phillips 66 | Add +0.0% | 0.04% | +0.00 |
| MS Morgan Stanley | Add +0.8% | 0.04% | +0.00 |
| RTX RTX Corp. | Add +1.4% | 0.02% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +1.9% | 0.03% | +0.00 |
| MCD McDonald's Corp. | Add +6.5% | 0.03% | +0.00 |
| CVX Chevron Corp. | Add +0.9% | 0.02% | +0.00 |
| ICCC Immucell Corp. | Add +19.4% | 0.01% | +0.00 |
| CSX CSX Corp. | Add +0.1% | 0.02% | +0.00 |
| WMT Walmart Inc. | Add +2.7% | 0.03% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +1.6% | 0.06% | 0.00 |
| ALL Allstate Corp. | Add +0.1% | 0.01% | −0.00 |
| COP Conocophillips | Add +0.3% | 0.01% | −0.00 |
| ITW Illinois Tool Works | Add +0.7% | 0.02% | −0.00 |
| WFC Wells Fargo & Co. | Add +0.7% | 0.01% | −0.00 |
| SO The Southern Co. | Add +0.2% | 0.01% | −0.00 |
| TRV The Travelers Cos Inc. | Add +0.1% | 0.02% | −0.00 |
| COF Capital One Financial Corp. | Add +1.0% | 0.01% | −0.00 |
| SCHW Schwab (charles) Corp. | Add +0.2% | 0.03% | −0.00 |
| COIN Coinbase Global Inc. Class A | Add +0.1% | 0.01% | −0.00 |
| WM Waste Management Inc. | Add +0.1% | 0.02% | −0.00 |
| DIS The Walt Disney Co. | Add +2.9% | 0.02% | −0.00 |
| HON Honeywell International Inc. | Add +0.7% | 0.01% | −0.00 |
| PSA Public Storage | Add +0.1% | 0.03% | −0.00 |
| KO The Coca-Cola Co. | Add +2.3% | 0.02% | −0.00 |
| CB Chubb Ltd. | Add +0.1% | 0.03% | −0.00 |
| EUSA iShares MSCI USA Equal Weigh | Add +3.0% | 1.81% | −0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.3% | 0.11% | −0.00 |
| ADP Automatic Data Processing | Add +0.1% | 0.04% | −0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 155 | $2.3B | INTF, SMLF, LRGF, VGIT, EMGF |
| Q1 2026 | 150 | $2.1B | INTF, SMLF, LRGF, VGIT, VCSH |
| Q4 2025 | 144 | $2.2B | INTF, SMLF, LRGF, VGIT, EMGF |
| Q3 2025 | 142 | $2.0B | INTF, SMLF, LRGF, VGIT, GLDM |
| Q2 2025 | 138 | $1.9B | INTF, SMLF, LRGF, VGIT, EMGF |
| Q1 2025 | 133 | $1.7B | INTF, SMLF, LRGF, VGIT, GLDM |
| Q4 2024 | 136 | $1.7B | INTF, SMLF, LRGF, VGIT, GLDM |
| Q3 2024 | 141 | $1.7B | INTF, LRGF, SMLF, GVI, EMGF |
| Q2 2024 | 131 | $1.6B | LRGF, SMLF, INTF, GVI, VCSH |
| Q1 2024 | 126 | $1.5B | SMLF, LRGF, INTF, GVI, VCSH |