Strategic Financial Services, Inc.

· CIK 0001432539

13F Portfolio $2.2B AUM Filed Feb 9, 2026 EDGAR ↗ ← All Funds

Q1 2026 Q4 2025

#	Ticker	Company	Sector	Shares	Value	% Port	Chg Shares	Chg %	Period Price ①	Since Period ①
1	GSG	ISHARES TR	Financial Services	17,088,269.0	$1.04B	47.86%	NEW	—	$60.71	-43.7%
2	VGIT	VANGUARD SCOTTSDALE FDS	—	2,653,141.0	$158.9M	7.33%	NEW	—	$59.90	-2.1%
3	—	ISHARES INC	—	1,888,930.0	$120.1M	5.54%	NEW	—	$63.56	—
4	VCSH	VANGUARD SCOTTSDALE FDS	—	1,166,674.0	$93.2M	4.30%	NEW	—	$79.87	-1.4%
5	GLDM	WORLD GOLD TR	Financial Services	921,392.0	$90.4M	4.17%	NEW	—	$98.06	-8.2%
6	VCIT	VANGUARD SCOTTSDALE FDS	—	853,990.0	$71.6M	3.30%	NEW	—	$83.87	-2.2%
7	VGLT	VANGUARD SCOTTSDALE FDS	—	1,273,353.0	$71.2M	3.29%	NEW	—	$55.92	-4.2%
8	VFMO	VANGUARD WELLINGTON FD	—	284,153.0	$58.5M	2.70%	NEW	—	$205.86	+10.1%
9	DFIV	DIMENSIONAL ETF TRUST	—	843,698.0	$46.0M	2.12%	NEW	—	$54.52	+0.6%
10	VTIP	VANGUARD MALVERN FDS	—	829,148.0	$41.2M	1.90%	NEW	—	$49.70	+1.4%
11	GSIE	GOLDMAN SACHS ETF TR	—	903,394.0	$41.1M	1.90%	NEW	—	$45.49	-1.4%
12	—	ISHARES INC	—	376,631.0	$40.4M	1.86%	NEW	—	$107.32	—
13	XBI	SPDR SERIES TRUST	—	260,924.0	$32.7M	1.51%	NEW	—	$125.51	+4.1%
14	VGSH	VANGUARD SCOTTSDALE FDS	—	533,529.0	$31.3M	1.45%	NEW	—	$58.75	-1.0%
15	AAPL	APPLE INC	Technology	68,104.0	$18.9M	0.87%	NEW	—	$278.12	+8.0%
16	VWOB	VANGUARD WHITEHALL FDS	—	220,844.0	$14.9M	0.69%	NEW	—	$67.58	-2.1%
17	GOOGL	ALPHABET INC	Communication Services	42,542.0	$13.7M	0.63%	NEW	—	$323.05	+24.2%
18	GSLC	GOLDMAN SACHS ETF TR	—	96,907.0	$12.9M	0.60%	NEW	—	$133.25	+5.1%
19	GEM	GOLDMAN SACHS ETF TR	—	224,267.0	$10.3M	0.47%	NEW	—	$45.77	+7.9%
20	LRCX	LAM RESEARCH CORP	Technology	37,744.0	$8.7M	0.40%	NEW	—	$231.01	+29.5%
21	JPM	JPMORGAN CHASE & CO.	Financial Services	24,850.0	$8.0M	0.37%	NEW	—	$322.40	-7.0%
22	GSSC	GOLDMAN SACHS ETF TR	—	99,739.0	$8.0M	0.37%	NEW	—	$80.07	+3.1%
23	KLAC	KLA CORP	Technology	4,954.0	$7.1M	0.33%	NEW	—	$1442.95	+31.2%
24	MSFT	MICROSOFT CORP	Technology	16,585.0	$6.7M	0.31%	NEW	—	$401.15	+2.1%
25	MCK	MCKESSON CORP	Healthcare	6,790.0	$6.4M	0.30%	NEW	—	$948.68	-21.2%
26	GLD	SPDR GOLD TR	Financial Services	11,826.0	$5.4M	0.25%	NEW	—	$455.46	-6.2%
27	V	VISA INC	Financial Services	16,007.0	$5.3M	0.24%	NEW	—	$331.58	-2.7%
28	GE	GE AEROSPACE	Industrials	12,458.0	$4.0M	0.18%	NEW	—	$321.01	-9.2%
29	—	J P MORGAN EXCHANGE TRADED F	—	49,099.0	$3.5M	0.16%	NEW	—	$70.53	—
30	ORCL	ORACLE CORP	Technology	23,925.0	$3.4M	0.16%	NEW	—	$142.82	+37.0%
31	BLK	BLACKROCK INC	Financial Services	3,199.0	$3.4M	0.16%	NEW	—	$1056.38	+2.4%
32	MTB	M & T BK CORP	Financial Services	13,609.0	$3.2M	0.15%	NEW	—	$238.01	-13.6%
33	XOM	EXXON MOBIL CORP	Energy	20,080.0	$3.0M	0.14%	NEW	—	$149.05	+2.5%
34	COST	COSTCO WHSL CORP NEW	Consumer Defensive	2,983.0	$3.0M	0.14%	NEW	—	$1001.16	+4.0%
35	VTI	VANGUARD INDEX FDS	—	8,598.0	$2.9M	0.14%	NEW	—	$340.96	+6.4%
36	NEE	NEXTERA ENERGY INC	Utilities	32,166.0	$2.9M	0.13%	NEW	—	$89.47	+6.9%
37	SPTL	SPDR SERIES TRUST	—	103,978.0	$2.8M	0.13%	NEW	—	$26.54	-4.1%
38	TSLA	TESLA INC	Consumer Cyclical	6,447.0	$2.7M	0.12%	NEW	—	$411.11	+7.8%
39	GEV	GE VERNOVA INC	Utilities	3,146.0	$2.5M	0.11%	NEW	—	$779.35	+39.9%
40	MRK	MERCK & CO INC	Healthcare	19,006.0	$2.3M	0.11%	NEW	—	$121.93	-7.0%
41	BRK.A	BERKSHIRE HATHAWAY INC DEL	Financial Services	4,359.0	$2.2M	0.10%	NEW	—	$508.09	+139698.1%
42	JNJ	JOHNSON & JOHNSON	Healthcare	8,995.0	$2.2M	0.10%	NEW	—	$239.99	-3.8%
43	QCOM	QUALCOMM INC	Technology	15,390.0	$2.1M	0.10%	NEW	—	$137.34	+45.7%
44	CSCO	CISCO SYS INC	Technology	24,749.0	$2.1M	0.10%	NEW	—	$84.82	+36.2%
45	AMZN	AMAZON COM INC	Consumer Cyclical	9,972.0	$2.1M	0.10%	NEW	—	$210.32	+25.6%
46	VXUS	VANGUARD STAR FDS	—	25,725.0	$2.1M	0.10%	NEW	—	$81.05	+2.5%
47	—	TJX COS INC NEW	—	13,358.0	$2.1M	0.10%	NEW	—	$155.86	—
48	NVDA	NVIDIA CORPORATION	Technology	10,276.0	$1.9M	0.09%	NEW	—	$185.41	+27.1%
49	BKNG	BOOKING HOLDINGS INC	Consumer Cyclical	422.0	$1.9M	0.09%	NEW	—	$4457.17	-96.5%
50	SBIO	ALPS ETF TR	—	33,103.0	$1.7M	0.08%	NEW	—	$50.99	+4.7%
51	PEP	PEPSICO INC	Consumer Defensive	9,553.0	$1.6M	0.07%	NEW	—	$170.49	-12.8%
52	ULTA	ULTA BEAUTY INC	Consumer Cyclical	2,183.0	$1.5M	0.07%	NEW	—	$690.37	-27.8%
53	VTWO	VANGUARD SCOTTSDALE FDS	—	14,035.0	$1.5M	0.07%	NEW	—	$107.10	+4.8%
54	VTEB	VANGUARD MUN BD FDS	—	29,650.0	$1.5M	0.07%	NEW	—	$50.65	-1.6%
55	NXPI	NXP SEMICONDUCTORS N V	Technology	6,600.0	$1.5M	0.07%	NEW	—	$224.32	+31.1%
56	AVGO	BROADCOM INC	Technology	4,234.0	$1.4M	0.07%	NEW	—	$332.92	+27.7%
57	BFST	INTERNATIONAL BUSINESS MACHS	Financial Services	4,369.0	$1.3M	0.06%	NEW	—	$298.93	-91.0%
58	VIGI	VANGUARD SPECIALIZED FUNDS	—	5,458.0	$1.3M	0.06%	NEW	—	$229.53	-59.9%
59	VUG	VANGUARD INDEX FDS	—	2,512.0	$1.2M	0.05%	NEW	—	$468.59	-81.3%
60	VEA	VANGUARD TAX-MANAGED FDS	—	15,355.0	$1.0M	0.05%	NEW	—	$67.37	+2.5%
61	PG	PROCTER AND GAMBLE CO	Consumer Defensive	6,421.0	$1.0M	0.05%	NEW	—	$159.18	-10.3%
62	MA	MASTERCARD INCORPORATED	Financial Services	1,772.0	$972K	0.04%	NEW	—	$548.74	-10.7%
63	GS	GOLDMAN SACHS GROUP INC	Financial Services	1,035.0	$961K	0.04%	NEW	—	$928.75	+4.3%
64	ABBV	ABBVIE INC	Healthcare	4,155.0	$928K	0.04%	NEW	—	$223.41	-5.8%
65	PSX	PHILLIPS 66	Energy	5,857.0	$924K	0.04%	NEW	—	$157.80	+8.7%
66	META	META PLATFORMS INC	Communication Services	1,397.0	$924K	0.04%	NEW	—	$661.46	-6.5%
67	MS	MORGAN STANLEY	Financial Services	5,125.0	$922K	0.04%	NEW	—	$179.96	+8.1%
68	LRGF	SPDR S&P 500 ETF TR	—	1,333.0	$921K	0.04%	NEW	—	$690.75	-89.3%
69	DE	DEERE & CO	Industrials	1,511.0	$881K	0.04%	NEW	—	$583.11	-1.5%
70	WMT	WALMART INC	Consumer Defensive	6,710.0	$880K	0.04%	NEW	—	$131.18	+1.0%
71	UNH	UNITEDHEALTH GROUP INC	Healthcare	2,900.0	$802K	0.04%	NEW	—	$276.65	+44.3%
72	VWO	VANGUARD INTL EQUITY INDEX F	—	13,122.0	$751K	0.04%	NEW	—	$57.26	+2.1%
73	MCD	MCDONALDS CORP	Consumer Cyclical	2,178.0	$713K	0.03%	NEW	—	$327.20	-16.0%
74	DFAT	DIMENSIONAL ETF TRUST	—	10,658.0	$711K	0.03%	NEW	—	$66.71	-2.1%
75	VOT	VANGUARD INDEX FDS	—	2,582.0	$707K	0.03%	NEW	—	$273.96	+4.2%
76	CB	CHUBB LIMITED	Financial Services	2,053.0	$679K	0.03%	NEW	—	$330.97	-2.1%
77	—	SCHWAB CHARLES CORP	—	6,199.0	$651K	0.03%	NEW	—	$105.08	—
78	NWFL	NORWOOD FINANCIAL CORP	Financial Services	19,846.0	$633K	0.03%	NEW	—	$31.89	-8.0%
79	IDXX	IDEXX LABS INC	Healthcare	908.0	$585K	0.03%	NEW	—	$644.61	-17.3%
80	ADP	AUTOMATIC DATA PROCESSING IN	Industrials	2,523.0	$584K	0.03%	NEW	—	$231.36	-7.3%
81	CBU	COMMUNITY FINANCIAL SYSTEM I	Financial Services	8,686.0	$577K	0.03%	NEW	—	$66.39	-7.0%
82	HD	HOME DEPOT INC	Consumer Cyclical	1,475.0	$568K	0.03%	NEW	—	$385.15	-21.0%
83	PEG	PUBLIC STORAGE OPER CO	Utilities	1,895.0	$544K	0.03%	NEW	—	$287.00	-72.9%
84	IEMG	ISHARES INC	—	7,340.0	$541K	0.03%	NEW	—	$73.67	+7.9%
85	LLY	ELI LILLY & CO	Healthcare	494.0	$523K	0.02%	NEW	—	$1058.18	-4.9%
86	GLW	CORNING INC	Technology	4,111.0	$502K	0.02%	NEW	—	$122.16	+70.5%
87	DFUV	DIMENSIONAL ETF TRUST	—	9,875.0	$499K	0.02%	NEW	—	$50.50	+3.2%
88	RTX	RTX CORPORATION	Industrials	2,453.0	$487K	0.02%	NEW	—	$198.66	-11.6%
89	ASML	ASML HOLDING N V	Technology	343.0	$485K	0.02%	NEW	—	$1413.01	+6.3%
90	CSX	CSX CORP	Industrials	11,606.0	$471K	0.02%	NEW	—	$40.61	+13.1%
91	CCEP	COCA COLA CO	Consumer Defensive	5,774.0	$456K	0.02%	NEW	—	$79.03	+13.1%
92	VONE	VANGUARD SCOTTSDALE FDS	—	1,425.0	$447K	0.02%	NEW	—	$313.56	+6.2%
93	VB	VANGUARD INDEX FDS	—	1,607.0	$446K	0.02%	NEW	—	$277.35	+1.6%
94	VBK	VANGUARD INDEX FDS	—	1,408.0	$445K	0.02%	NEW	—	$316.39	+6.7%
95	TMP	TOMPKINS FINL CORP	Financial Services	5,095.0	$430K	0.02%	NEW	—	$84.34	-1.4%
96	CAT	CATERPILLAR INC	Industrials	563.0	$409K	0.02%	NEW	—	$726.20	+22.3%
97	CVX	CHEVRON CORP NEW	Energy	2,221.0	$402K	0.02%	NEW	—	$180.86	+3.2%
98	ITW	ILLINOIS TOOL WKS INC	Industrials	1,367.0	$401K	0.02%	NEW	—	$293.57	-14.6%
99	TRV	TRAVELERS COMPANIES INC	Financial Services	1,330.0	$401K	0.02%	NEW	—	$301.49	-1.1%
100	VO	VANGUARD INDEX FDS	—	1,290.0	$388K	0.02%	NEW	—	$301.15	-74.6%
101	VEU	VANGUARD INTL EQUITY INDEX F	—	4,700.0	$372K	0.02%	NEW	—	$79.19	+2.3%
102	ABT	ABBOTT LABS	Healthcare	3,358.0	$372K	0.02%	NEW	—	$110.81	-23.8%
103	VBR	VANGUARD INDEX FDS	—	1,405.0	$326K	0.01%	NEW	—	$232.05	-2.0%
104	WM	WASTE MGMT INC DEL	Industrials	1,415.0	$321K	0.01%	NEW	—	$226.79	-3.5%
105	HIG	HARTFORD INSURANCE GROUP INC	Financial Services	2,072.0	$295K	0.01%	NEW	—	$142.56	-5.8%
106	HSY	HERSHEY CO	Consumer Defensive	1,244.0	$288K	0.01%	NEW	—	$231.53	-17.8%
107	ALL	ALLSTATE CORP	Financial Services	1,375.0	$285K	0.01%	NEW	—	$207.55	+4.7%
108	BUZZ	BOEING CO	—	1,160.0	$282K	0.01%	NEW	—	$243.03	-85.0%
109	HON	HONEYWELL INTL INC	Industrials	1,160.0	$277K	0.01%	NEW	—	$238.38	-8.7%
110	BBH	VANECK ETF TRUST	—	1,334.0	$266K	0.01%	NEW	—	$199.40	-8.8%
111	MDLZ	MONDELEZ INTL INC	Consumer Defensive	4,287.0	$257K	0.01%	NEW	—	$60.02	+1.6%
112	CL	COLGATE PALMOLIVE CO	Consumer Defensive	2,710.0	$256K	0.01%	NEW	—	$94.41	-6.7%
113	ROK	ROCKWELL AUTOMATION INC	Industrials	610.0	$253K	0.01%	NEW	—	$415.02	+10.0%
114	—	DISNEY WALT CO	—	2,305.0	$251K	0.01%	NEW	—	$108.70	—
115	ELV	ELEVANCE HEALTH INC FORMERLY	Healthcare	725.0	$246K	0.01%	NEW	—	$338.98	+17.0%
116	COP	CONOCOPHILLIPS	Energy	2,270.0	$244K	0.01%	NEW	—	$107.62	+10.5%
117	SCHA	SCHWAB STRATEGIC TR	—	7,864.0	$243K	0.01%	NEW	—	$30.89	+5.5%
118	SOJF	SOUTHERN CO	Utilities	2,655.0	$239K	0.01%	NEW	—	$90.08	-71.7%
119	VZ	VERIZON COMMUNICATIONS INC	Communication Services	5,154.0	$239K	0.01%	NEW	—	$46.31	+1.6%
120	ICCC	IMMUCELL CORP	Healthcare	37,000.0	$231K	0.01%	NEW	—	$6.24	+42.9%
121	—	BANK NEW YORK MELLON CORP	—	1,842.0	$229K	0.01%	NEW	—	$124.32	—
122	SCHF	SCHWAB STRATEGIC TR	—	8,722.0	$227K	0.01%	NEW	—	$25.97	+2.8%
123	AAL	AMERICAN EXPRESS CO	Industrials	628.0	$226K	0.01%	NEW	—	$359.15	-96.6%
124	NBTB	NBT BANCORP INC	Financial Services	4,700.0	$219K	0.01%	NEW	—	$46.65	-4.9%
125	INTC	INTEL CORP	Technology	4,289.0	$217K	0.01%	NEW	—	$50.59	+129.2%
126	UNP	UNION PAC CORP	Industrials	851.0	$215K	0.01%	NEW	—	$252.68	+6.6%
127	CNMD	CONMED CORP	Healthcare	5,154.0	$214K	0.01%	NEW	—	$41.52	-12.5%
128	—	PPG INDS INC	—	1,674.0	$212K	0.01%	NEW	—	$126.51	—
129	SCHX	SCHWAB STRATEGIC TR	—	7,691.0	$210K	0.01%	NEW	—	$27.24	+6.6%
130	—	BANK AMERICA CORP	—	3,597.0	$203K	0.01%	NEW	—	$56.53	—
131	SPYM	SPDR SERIES TRUST	—	2,485.0	$202K	0.01%	NEW	—	$81.27	+7.0%

① Period Price is the implied market price on the last day of the reporting period, calculated as reported value ÷ shares held. It is not the fund's purchase price or cost basis — the fund may have initiated or added to the position at any point during the quarter at a different price. Since Period shows the price change from that quarter-end snapshot to today's last price — it reflects stock movement after the report date, not the fund's actual return.

Sector Allocation

Financial Services 90.6%

Technology 4.3%

Communication Services 1.2%

Healthcare 1.2%

Industrials 0.7%

Consumer Cyclical 0.7%

Consumer Defensive 0.6%

Utilities 0.5%

Energy 0.4%