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

0$500.0M$1.0B$1.5B$2.0B$2.5B Q1 2024: $1.5B Q1 2024 Q2 2024: $1.6B Q2 2024 Q3 2024: $1.7B Q3 2024 Q4 2024: $1.7B Q4 2024 Q1 2025: $1.7B Q1 2025 Q2 2025: $1.9B Q2 2025 Q3 2025: $2.0B Q3 2025 Q4 2025: $2.2B $2.2B Q4 2025 Q1 2026: $2.1B Q1 2026 Q2 2026: $2.3B Q2 2026

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
CSX CSX Corp. 0.02% 11,606 $471K No change
KO The Coca-Cola Co. 0.02% 5,774 $456K Reduce -14.1%
VONE Vanguard Russell 1000 0.02% 1,425 $447K No change
VB Vanguard Most SM-Cap ETF-Usd 0.02% 1,607 $446K Reduce -8.8%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.02% 1,408 $445K Add +13.4%
TMP Tompkins Financial Corp. 0.02% 5,095 $430K No change
EMB iShares JP Morgan Usd Emergi 0.02% 4,436 $429K Add +2.0%
CAT Caterpillar Inc. 0.02% 563 $409K No change
CVX Chevron Corp. 0.02% 2,221 $402K Reduce -16.4%
ITW Illinois Tool Works 0.02% 1,367 $401K Reduce -6.1%
TRV The Travelers Cos Inc. 0.02% 1,330 $401K Reduce -0.2%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.02% 1,290 $388K No change
VEU Vanguard Ftse All-World Ex-U 0.02% 4,700 $372K Add +21.4%
ABT Abbott Laboratories 0.02% 3,358 $372K Reduce -2.9%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.01% 1,405 $326K Add +20.6%
WM Waste Management Inc. 0.01% 1,415 $321K No change
HIG Hartford Insurance Group Inc. 0.01% 2,072 $295K Reduce -9.6%
HSY The Hershey Co. 0.01% 1,244 $288K No change
ALL Allstate Corp. 0.01% 1,375 $285K No change
BA The Boeing Co. 0.01% 1,160 $282K New
HON Honeywell International Inc. 0.01% 1,160 $277K Reduce -3.8%
BBH Vaneck Biotech ETF 0.01% 1,334 $266K No change
MDLZ Mondelez International Inc. Class A 0.01% 4,287 $257K Reduce -11.9%
IWM iShares Russell 2000 ETF 0.01% 969 $257K No change
CL Colgate-Palmolive Co. 0.01% 2,710 $256K No change
ROK Rockwell Automation Inc. 0.01% 610 $253K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.01% 2,305 $251K Reduce -20.2%
ELV Elevance Health Inc. 0.01% 725 $246K Reduce -38.8%
COP Conocophillips 0.01% 2,270 $244K No change
SCHA Schwab US Small-Cap ETF 0.01% 7,864 $243K No change
SO The Southern Co. 0.01% 2,655 $239K Reduce -1.4%
VZ Verizon Communications Inc. 0.01% 5,154 $239K Reduce -1.3%
ICCC Immucell Corp. 0.01% 37,000 $231K No change
BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP 0.01% 1,842 $229K New
SCHF Schwab Intl Equity ETF 0.01% 8,722 $227K No change
AXP American Express Co. 0.01% 628 $226K No change
NBTB N B T Bancorp Inc. 0.01% 4,700 $219K New
INTC Intel Corp. 0.01% 4,289 $217K New
UNP Union Pacific Corp. 0.01% 851 $215K Reduce -4.4%
CNMD Conmed Corp. 0.01% 5,154 $214K Reduce -42.9%
PPG PPG Industries Inc. 0.01% 1,674 $212K New
SCHX Schwab US Large-Cap ETF 0.01% 7,691 $210K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.01% 3,597 $203K New
SPYM Ste STR SPDR PT S&P 500 ETF 0.01% 2,485 $202K Reduce -4.3%

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

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 155$2.3BINTF, SMLF, LRGF, VGIT, EMGF
Q1 2026 150$2.1BINTF, SMLF, LRGF, VGIT, VCSH
Q4 2025 144$2.2BINTF, SMLF, LRGF, VGIT, EMGF
Q3 2025 142$2.0BINTF, SMLF, LRGF, VGIT, GLDM
Q2 2025 138$1.9BINTF, SMLF, LRGF, VGIT, EMGF
Q1 2025 133$1.7BINTF, SMLF, LRGF, VGIT, GLDM
Q4 2024 136$1.7BINTF, SMLF, LRGF, VGIT, GLDM
Q3 2024 141$1.7BINTF, LRGF, SMLF, GVI, EMGF
Q2 2024 131$1.6BLRGF, SMLF, INTF, GVI, VCSH
Q1 2024 126$1.5BSMLF, LRGF, INTF, GVI, VCSH