Strategic Financial Services, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 9, 2026), Strategic Financial Services, Inc. reported 144 stock positions worth $2.2 billion. Its top holding was iShares International Equity (INTF) at 16.3% of the portfolio, followed by iShares US Smallcap Equity F (SMLF, 14.0%) and iShares US Equity Factor ETF (LRGF, 12.6%). Compared with Q3 2025, it opened 8 new positions, sold out of 6, added to 31 and reduced 68. The biggest buy was a new position in Vanguard Short-Term Treasury (VGSH) and the biggest sale SPDR Gold Minishares Trust (GLDM, shares −34%).
- Most Recent 13F
- Q2 2026
- Location
- UTICA, NY
- CIK
- 0001432539
- Portfolio Value
- $2.2B (Q4 2025)
- SEC Filing
- 0001432539-26-000001 ↗ filed Feb 9, 2026
Holdings Value
Holdings 144 stocks · $2.2B
| INTF iShares International Equity | 16.25% | 8,690,116 | $352.3M | Add +1.1% |
| SMLF iShares US Smallcap Equity F | 13.98% | 3,810,840 | $303.0M | Add +1.8% |
| LRGF iShares US Equity Factor ETF | 12.58% | 3,912,625 | $272.8M | Add +2.8% |
| VGIT Vanguard Intermediate-Term T | 7.33% | 2,653,141 | $158.9M | Add +13.7% |
| EMGF iShares Emerging Markets Equ | 5.54% | 1,888,930 | $120.1M | Add +0.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.30% | 1,166,674 | $93.2M | Add +10.4% |
| GLDM SPDR Gold Minishares Trust | 4.17% | 921,392 | $90.4M | Reduce -34.1% |
| VCIT Vanguard Int-Term Corporate | 3.30% | 853,990 | $71.6M | Add +4.3% |
| VGLT Vanguard Long-Term Treasury | 3.28% | 1,273,353 | $71.2M | Add +7.3% |
| VFMO Vanguard US Momentum Factor | 2.70% | 284,153 | $58.5M | Add +1.4% |
| MTUM iShares MSCI USA Momentum Fa | 2.60% | 222,511 | $56.4M | Add +1.5% |
| DFIV Dimensional International Va | 2.12% | 843,698 | $46.0M | Reduce -0.9% |
| VTIP Vanguard Short-Term Tips | 1.90% | 829,148 | $41.2M | Add +6.6% |
| GSIE Goldman Sachs Activebeta Int | 1.90% | 903,394 | $41.1M | Reduce -2.6% |
| EUSA iShares MSCI USA Equal Weigh | 1.86% | 376,631 | $40.4M | Add +7.3% |
| XBI SS SPDR S&P Biotech ETF | 1.51% | 260,924 | $32.7M | Reduce -8.5% |
| VGSH Vanguard Short-Term Treasury | 1.45% | 533,529 | $31.3M | New |
| GVI iShares Intermediate Governm | 1.36% | 273,978 | $29.4M | Reduce -1.6% |
| AAPL Apple Inc. | 0.87% | 68,104 | $18.9M | Reduce -4.9% |
| SIZE iShares MSCI USA Size Factor | 0.79% | 102,077 | $17.2M | Reduce -0.3% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.69% | 220,844 | $14.9M | Add +4.3% |
| GSLC Goldman Activebeta US LC ETF | 0.60% | 96,907 | $12.9M | Reduce -1.9% |
| GOOG Alphabet Inc. Class C | 0.51% | 34,035 | $11.0M | Reduce -2.5% |
| GEM Goldman Sachs Activebeta Em | 0.47% | 224,267 | $10.3M | Reduce -5.3% |
| LRCX Lam Research Corp. | 0.40% | 37,744 | $8.7M | Reduce -2.3% |
| JPM JPMorgan Chase & Co. | 0.37% | 24,850 | $8.0M | Reduce -4.3% |
| GSSC Goldman Sachs Activebeta US | 0.37% | 99,739 | $8.0M | Reduce -2.1% |
| KLAC KLA Corp. | 0.33% | 4,954 | $7.1M | Reduce -1.9% |
| MSFT Microsoft Corp. | 0.31% | 16,585 | $6.7M | Reduce -3.1% |
| MCK McKesson Corp. | 0.30% | 6,790 | $6.4M | Reduce -1.3% |
| GLD SPDR Gold Shares | 0.25% | 11,826 | $5.4M | Reduce -57.4% |
| V Visa Inc. Class A | 0.24% | 16,007 | $5.3M | Reduce -2.9% |
| GE General Electric filed as GE AEROSPACE | 0.18% | 12,458 | $4.0M | Add +13.6% |
| JMOM JPMorgan US Momentum Factor | 0.16% | 49,099 | $3.5M | Reduce -2.6% |
| ORCL Oracle Corp. | 0.16% | 23,925 | $3.4M | Reduce -2.1% |
| BLK BlackRock Inc. | 0.16% | 3,199 | $3.4M | Reduce -4.9% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.15% | 13,609 | $3.2M | Reduce -3.8% |
| XOM Exxon Mobil Corp. | 0.14% | 20,080 | $3.0M | Reduce -2.8% |
| COST Costco Wholesale Corp. | 0.14% | 2,983 | $3.0M | Reduce -1.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.14% | 8,598 | $2.9M | Add +2.8% |
| NEE Nextera Energy Inc. | 0.13% | 32,166 | $2.9M | Reduce -6.0% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.13% | 103,978 | $2.8M | Reduce -0.2% |
| GOOGL Alphabet Inc. Class A | 0.13% | 8,507 | $2.7M | Reduce -4.1% |
| TSLA Tesla Inc. | 0.12% | 6,447 | $2.7M | Reduce -5.7% |
| GEV GE Vernova Inc. | 0.11% | 3,146 | $2.5M | Add +37.0% |
| MRK Merck & Co. Inc. | 0.11% | 19,006 | $2.3M | Reduce -1.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.10% | 4,359 | $2.2M | Reduce -3.4% |
| JNJ Johnson & Johnson | 0.10% | 8,995 | $2.2M | Add +0.5% |
| QCOM Qualcomm Inc. | 0.10% | 15,390 | $2.1M | Reduce -9.1% |
| CSCO Cisco Systems Inc. | 0.10% | 24,749 | $2.1M | Reduce -2.0% |
| AMZN Amazon.com Inc. | 0.10% | 9,972 | $2.1M | Reduce -6.2% |
| VXUS Vanguard Total Intl Stock | 0.10% | 25,725 | $2.1M | Reduce -1.1% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.10% | 13,358 | $2.1M | Reduce -0.5% |
| NVDA Nvidia Corp. | 0.09% | 10,276 | $1.9M | Reduce -7.6% |
| BKNG Booking Holdings Inc. | 0.09% | 422 | $1.9M | Reduce -2.8% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.09% | 35,388 | $1.9M | Reduce -0.7% |
| SBIO Alps Medical Breakthroughs | 0.08% | 33,103 | $1.7M | Reduce -11.9% |
| PEP Pepsico Inc. | 0.08% | 9,553 | $1.6M | Reduce -14.1% |
| ULTA Ulta Beauty Inc. | 0.07% | 2,183 | $1.5M | Reduce -2.3% |
| VTWO Vanguard Russell 2000 ETF | 0.07% | 14,035 | $1.5M | No change |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.07% | 29,650 | $1.5M | Add +9.2% |
| NXPI NXP Semiconductors NV | 0.07% | 6,600 | $1.5M | Reduce -10.0% |
| AVGO Broadcom Inc. | 0.07% | 4,234 | $1.4M | Add +142.8% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.06% | 4,369 | $1.3M | Add +9.7% |
| SUB iShares Short-Term National | 0.06% | 11,713 | $1.3M | Add +83.2% |
| VIG Vanguard Dividend Apprec ETF | 0.06% | 5,458 | $1.3M | Add +4.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.05% | 2,512 | $1.2M | Add +3.5% |
| IWF iShares Russell 1000 Growth | 0.05% | 2,346 | $1.1M | Reduce -8.6% |
| CMF iShares California Muni Bond | 0.05% | 17,880 | $1.0M | New |
| VEA Vanguard Ftse Developed ETF | 0.05% | 15,355 | $1.0M | No change |
| PG The Procter & Gamble Co. | 0.05% | 6,421 | $1.0M | Reduce -6.3% |
| MA Mastercard Inc. Class A | 0.04% | 1,772 | $972K | No change |
| GS Goldman Sachs Group Inc. | 0.04% | 1,035 | $961K | No change |
| ABBV Abbvie Inc. | 0.04% | 4,155 | $928K | No change |
| PSX Phillips 66 | 0.04% | 5,857 | $924K | Reduce -2.3% |
| META Meta Platforms Inc. Class A | 0.04% | 1,397 | $924K | No change |
| MS Morgan Stanley | 0.04% | 5,125 | $922K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.04% | 1,333 | $921K | Reduce -13.9% |
| DE Deere & Co. | 0.04% | 1,511 | $881K | No change |
| WMT Walmart Inc. | 0.04% | 6,710 | $880K | No change |
| UNH Unitedhealth Group Inc. | 0.04% | 2,900 | $802K | Reduce -32.8% |
| VWO Vanguard Ftse Emerging Marke | 0.03% | 13,122 | $751K | Add +7.8% |
| MCD McDonald's Corp. | 0.03% | 2,178 | $713K | Add +12.7% |
| DFAT Dimensional US Target Value | 0.03% | 10,658 | $711K | No change |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.03% | 2,582 | $707K | Add +9.3% |
| CB Chubb Ltd. | 0.03% | 2,053 | $679K | No change |
| SCHW Schwab (charles) Corp. | 0.03% | 6,199 | $651K | No change |
| NWFL Norwood Financial Corp. | 0.03% | 19,846 | $633K | No change |
| IDXX Idexx Laboratories Inc. | 0.03% | 908 | $585K | No change |
| ADP Automatic Data Processing | 0.03% | 2,523 | $584K | No change |
| CBU Community Financial System I | 0.03% | 8,686 | $577K | Reduce -1.4% |
| HD Home Depot Inc. | 0.03% | 1,475 | $568K | No change |
| PSA Public Storage | 0.03% | 1,895 | $544K | Reduce -0.1% |
| IEMG iShares Core MSCI Emerging | 0.02% | 7,340 | $541K | Reduce -4.2% |
| LLY Eli Lilly & Co. | 0.02% | 494 | $523K | Reduce -2.0% |
| VLUE iShares MSCI USA Value Facto | 0.02% | 3,390 | $515K | No change |
| GLW Corning Inc. | 0.02% | 4,111 | $502K | Add +17.1% |
| DFUV Dimensional US Marketwide Va | 0.02% | 9,875 | $499K | No change |
| RTX RTX Corp. | 0.02% | 2,453 | $487K | Reduce -11.0% |
| ASML ASML Holding NV-NY Reg SHS | 0.02% | 343 | $485K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| GLDM SPDR Gold Minishares Trust | Reduce -34.1% | 4.17% | −1.19 |
| GLD SPDR Gold Shares | Reduce -57.4% | 0.25% | −0.25 |
| ORCL Oracle Corp. | Reduce -2.1% | 0.16% | −0.19 |
| GVI iShares Intermediate Governm | Reduce -1.6% | 1.36% | −0.14 |
| MSFT Microsoft Corp. | Reduce -3.1% | 0.31% | −0.14 |
| GSLC Goldman Activebeta US LC ETF | Reduce -1.9% | 0.60% | −0.05 |
| QCOM Qualcomm Inc. | Reduce -9.1% | 0.10% | −0.04 |
| JPM JPMorgan Chase & Co. | Reduce -4.3% | 0.37% | −0.04 |
| AAPL Apple Inc. | Reduce -4.9% | 0.87% | −0.04 |
| BLK BlackRock Inc. | Reduce -4.9% | 0.16% | −0.04 |
| UNH Unitedhealth Group Inc. | Reduce -32.8% | 0.04% | −0.04 |
| V Visa Inc. Class A | Reduce -2.9% | 0.24% | −0.04 |
| SIZE iShares MSCI USA Size Factor | Reduce -0.3% | 0.79% | −0.03 |
| BKNG Booking Holdings Inc. | Reduce -2.8% | 0.09% | −0.03 |
| TSLA Tesla Inc. | Reduce -5.7% | 0.12% | −0.03 |
| AMZN Amazon.com Inc. | Reduce -6.2% | 0.10% | −0.02 |
| GSIE Goldman Sachs Activebeta Int | Reduce -2.6% | 1.90% | −0.02 |
| NVDA Nvidia Corp. | Reduce -7.6% | 0.09% | −0.02 |
| NXPI NXP Semiconductors NV | Reduce -10.0% | 0.07% | −0.02 |
| GSSC Goldman Sachs Activebeta US | Reduce -2.1% | 0.37% | −0.01 |
| WFC Wells Fargo & Co. | Sold out | 0.00% | −0.01 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -0.2% | 0.13% | −0.01 |
| PLTR Palantir Technologies Inc. Class A | Sold out | 0.00% | −0.01 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.01 |
| JMOM JPMorgan US Momentum Factor | Reduce -2.6% | 0.16% | −0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -3.4% | 0.10% | −0.01 |
| COIN Coinbase Global Inc. Class A | Sold out | 0.00% | −0.01 |
| CNMD Conmed Corp. | Reduce -42.9% | 0.01% | −0.01 |
| IWF iShares Russell 1000 Growth | Reduce -8.6% | 0.05% | −0.01 |
| COF Capital One Financial Corp. | Sold out | 0.00% | −0.01 |
| GEM Goldman Sachs Activebeta Em | Reduce -5.3% | 0.47% | −0.01 |
| CMG Chipotle Mexican Grill Inc. | Sold out | 0.00% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -13.9% | 0.04% | −0.01 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -0.7% | 0.09% | −0.01 |
| ELV Elevance Health Inc. | Reduce -38.8% | 0.01% | −0.01 |
| ABT Abbott Laboratories | Reduce -2.9% | 0.02% | −0.01 |
| PG The Procter & Gamble Co. | Reduce -6.3% | 0.05% | −0.01 |
| DIS The Walt Disney Co. | Reduce -20.2% | 0.01% | −0.01 |
| MDLZ Mondelez International Inc. Class A | Reduce -11.9% | 0.01% | −0.00 |
| PEP Pepsico Inc. | Reduce -14.1% | 0.08% | −0.00 |
| COST Costco Wholesale Corp. | Reduce -1.3% | 0.14% | −0.00 |
| PSA Public Storage | Reduce -0.1% | 0.03% | −0.00 |
| CVX Chevron Corp. | Reduce -16.4% | 0.02% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -8.8% | 0.02% | −0.00 |
| SO The Southern Co. | Reduce -1.4% | 0.01% | −0.00 |
| HIG Hartford Insurance Group Inc. | Reduce -9.6% | 0.01% | −0.00 |
| KO The Coca-Cola Co. | Reduce -14.1% | 0.02% | −0.00 |
| TJX TJX Companies Inc. | Reduce -0.5% | 0.10% | −0.00 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -4.3% | 0.01% | −0.00 |
| RTX RTX Corp. | Reduce -11.0% | 0.02% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| VGSH Vanguard Short-Term Treasury | New | 1.45% | +1.45 |
| INTF iShares International Equity | Add +1.1% | 16.25% | +0.76 |
| VGIT Vanguard Intermediate-Term T | Add +13.7% | 7.33% | +0.30 |
| EMGF iShares Emerging Markets Equ | Add +0.8% | 5.54% | +0.22 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +10.4% | 4.30% | +0.06 |
| EUSA iShares MSCI USA Equal Weigh | Add +7.3% | 1.86% | +0.05 |
| CMF iShares California Muni Bond | New | 0.05% | +0.05 |
| GEV GE Vernova Inc. | Add +37.0% | 0.11% | +0.04 |
| AVGO Broadcom Inc. | Add +142.8% | 0.07% | +0.04 |
| SUB iShares Short-Term National | Add +83.2% | 0.06% | +0.02 |
| GE General Electric | Add +13.6% | 0.18% | +0.02 |
| JNJ Johnson & Johnson | Add +0.5% | 0.10% | +0.02 |
| BA The Boeing Co. | New | 0.01% | +0.01 |
| BNY Bank of New York Mellon Corp. | New | 0.01% | +0.01 |
| NBTB N B T Bancorp Inc. | New | 0.01% | +0.01 |
| INTC Intel Corp. | New | 0.01% | +0.01 |
| PPG PPG Industries Inc. | New | 0.01% | +0.01 |
| BAC Bank of America Corp. | New | 0.01% | +0.01 |
| GLW Corning Inc. | Add +17.1% | 0.02% | +0.01 |
| SMLF iShares US Smallcap Equity F | Add +1.8% | 13.98% | +0.00 |
| VFMO Vanguard US Momentum Factor | Add +1.4% | 2.70% | +0.00 |
| IBM Intl Business Machines Corp. | Add +9.7% | 0.06% | +0.00 |
| MCD McDonald's Corp. | Add +12.7% | 0.03% | +0.00 |
| VEU Vanguard Ftse All-World Ex-U | Add +21.4% | 0.02% | +0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +20.6% | 0.01% | +0.00 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +13.4% | 0.02% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +7.8% | 0.03% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +4.1% | 0.06% | +0.00 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +9.2% | 0.07% | +0.00 |
| EMB iShares JP Morgan Usd Emergi | Add +2.0% | 0.02% | −0.00 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +9.3% | 0.03% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Add +2.8% | 0.14% | −0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +3.5% | 0.05% | −0.00 |
| VWOB Vanguard Emerg MKTS Gov BND | Add +4.3% | 0.69% | −0.02 |
| VTIP Vanguard Short-Term Tips | Add +6.6% | 1.90% | −0.07 |
| VGLT Vanguard Long-Term Treasury | Add +7.3% | 3.28% | −0.10 |
| VCIT Vanguard Int-Term Corporate | Add +4.3% | 3.30% | −0.15 |
| MTUM iShares MSCI USA Momentum Fa | Add +1.5% | 2.60% | −0.22 |
| LRGF iShares US Equity Factor ETF | Add +2.8% | 12.58% | −0.62 |
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 |