HOWARD FINANCIAL SERVICES, LTD.

• ISHARES
  $108.1M
• SCHWAB
  $63.8M
• VANGUARD
  $45.1M
• IVZ
  $39.7M
• WT
  $37.9M
• IVZ
  $37.6M
• IVZ
  $35.7M
• HARTFORD
  $34.3M
• AAPL
  $32.2M
• SCHWAB
  $32.0M
• PGIM
  $31.4M
• ISHARES
  $26.0M
• SCHWAB
  $24.8M
• FIRST
  $22.9M
• VANECK
  $19.7M
• VANGUARD
  $18.3M
• WISDOMTREE
  $18.1M
• SPDR
  $17.9M
• VANGUARD
  $17.3M
• NVDA
  $14.0M

Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.

13fpro.ai/research/fund/howard-financial-services-ltd-1768130

HOWARD FINANCIAL SERVICES, LTD. 13F holdings — Q3 2026

$954.3M portfolio (-50.5% QoQ) · 234 holdings · Q3 2026 13F · top 10 are 49% of the stock portfolio

• 1

  ISHARES TR - MSCI USA QLT FCT

  $108.1M

  11.3% of stocks

  -51%This quarter—Since filed—Held
  AIQuality—Est. buy—
• 2

  SCHWAB STRATEGIC TR - US DIVIDEND EQ

  $63.8M

  6.7% of stocks

  -49%This quarter—Since filed—Held
  AIQuality—Est. buy—
• 3

  VANGUARD SPECIALIZED FUNDS - DIV APP ETF

  $45.1M

  4.7% of stocks

  -51%This quarter—Since filed—Held
  AIQuality—Est. buy—
• 4

  Invesco Ltd.

  $IVZ

  $39.7M

  4.2% of stocks

  -49%This quarter-1.3%Since filed1+ qtrsHeld
  AIQuality—Est. buyEstimated buy price is Pro: unlock with a free trial
• 5

  WisdomTree, Inc.

  $WT

  $37.9M

  4.0% of stocks

  -50%This quarter-1.8%Since filed1+ qtrsHeld
  AIQuality61.4#790Est. buyEstimated buy price is Pro: unlock with a free trial
• 6

  Invesco Ltd.

  $IVZ

  $37.6M

  3.9% of stocks

  -51%This quarter-1.3%Since filed1+ qtrsHeld
  AIQuality—Est. buyEstimated buy price is Pro: unlock with a free trial
• 7

  Invesco Ltd.

  $IVZ

  $35.7M

  3.7% of stocks

  -50%This quarter-1.3%Since filed1+ qtrsHeld
  AIQuality—Est. buyEstimated buy price is Pro: unlock with a free trial
• 8

  HARTFORD FDS EXCHANGE TRADED - TOTAL RTRN ETF

  $34.3M

  3.6% of stocks

  -47%This quarter—Since filed—Held
  AIQuality—Est. buy—
• 9

  Apple Inc.

  $AAPL

  $32.2M

  3.4% of stocks

  -58%This quarter+1.5%Since filed1+ qtrsHeld
  AIQuality75.7#88Est. buyEstimated buy price is Pro: unlock with a free trial
• 10

  SCHWAB STRATEGIC TR - US LCAP GR ETF

  $32.0M

  3.4% of stocks

  -45%This quarter—Since filed—Held
  AIQuality—Est. buy—

#	Company	Value	Weight	This quarter	Since filed	Held	AI quality	Est. buy
1	ISHARES TR - MSCI USA QLT FCT	$108.1M	11.3%	-51%	—	—	—	—
2	SCHWAB STRATEGIC TR - US DIVIDEND EQ	$63.8M	6.7%	-49%	—	—	—	—
3	VANGUARD SPECIALIZED FUNDS - DIV APP ETF	$45.1M	4.7%	-51%	—	—	—	—
4	Invesco Ltd.$IVZ	$39.7M	4.2%	-49%	-1.3%	1+ qtrs	—	Estimated buy price is Pro: unlock with a free trial
5	WisdomTree, Inc.$WT	$37.9M	4.0%	-50%	-1.8%	1+ qtrs	61.4#790	Estimated buy price is Pro: unlock with a free trial
6	Invesco Ltd.$IVZ	$37.6M	3.9%	-51%	-1.3%	1+ qtrs	—	Estimated buy price is Pro: unlock with a free trial
7	Invesco Ltd.$IVZ	$35.7M	3.7%	-50%	-1.3%	1+ qtrs	—	Estimated buy price is Pro: unlock with a free trial
8	HARTFORD FDS EXCHANGE TRADED - TOTAL RTRN ETF	$34.3M	3.6%	-47%	—	—	—	—
9	Apple Inc.$AAPL	$32.2M	3.4%	-58%	+1.5%	1+ qtrs	75.7#88	Estimated buy price is Pro: unlock with a free trial
10	SCHWAB STRATEGIC TR - US LCAP GR ETF	$32.0M	3.4%	-45%	—	—	—	—

All holdings — HOWARD FINANCIAL SERVICES, LTD. (Q3 2026)

SortLargest valueBiggest addBiggest trimWeightSharesAI qualityName A-ZSector A-Z

234 disclosed positions from the Form 13F-HR on SEC EDGAR, with quarter-over-quarter share changes. Largest by value first; the ten above are not repeated.

#	Ticker	Company	Sector	Value	Weight	Shares	QoQ	Held	AI quality	Source
11	—	PGIM ETF TR - TOTA RETU BD ETFetf/fund	—	$31.4M	3.3%	797K	-49%	—	—	13F
12	—	ISHARES TR - MSCI INTL QUALTYetf/fund	—	$26.0M	2.7%	526K	-49%	—	—	13F
13	—	SCHWAB STRATEGIC TR - FUNDAMENTAL INTL	—	$24.8M	2.6%	461K	-49%	—	—	13F
14	—	FIRST TR EXCHANGE TRADED FD - RISNG DIVD ACHIV	—	$22.9M	2.4%	293K	-50%	—	—	13F
15	—	VANECK ETF TRUST - FALLEN ANGEL HGetf/fund	—	$19.7M	2.1%	709K	-48%	—	—	13F
16	—	VANGUARD WHITEHALL FDS - INTL DVD ETFetf/fund	—	$18.3M	1.9%	194K	-50%	—	—	13F
17	—	WISDOMTREE TR - EM EX ST-OWNED	—	$18.1M	1.9%	386K	-48%	—	—	13F
18	—	SPDR SERIES TRUST - ST TERM HIGH ETFetf/fund	—	$17.9M	1.9%	738K	-44%	—	—	13F
19	—	VANGUARD MALVERN FDS - CORE-PLUS BD ETFetf/fund	—	$17.3M	1.8%	234K	-6%	—	—	13F
20	$NVDA	NVIDIA CORP	Technology	$14.0M	1.5%	61K	-57%	1+ qtrs	86.0	13F
21	$SPY	SPDR S&P 500 ETF TRUSTetf/fund	—	$12.9M	1.4%	17K	-58%	1+ qtrs	—	13F
22	$MSFT	MICROSOFT CORP	Technology	$12.8M	1.3%	25K	-48%	1+ qtrs	AI quality score is Pro: unlock with a free trial	13F
23	—	SSGA ACTIVE ETF TR - ST STR TOTAL ETFetf/fund	—	$11.3M	1.2%	303K	-69%	—	—	13F
24	$QQQ	INVESCO QQQ TRUST, SERIES 1etf/fund	—	$10.7M	1.1%	15K	-53%	1+ qtrs	AI quality score is Pro: unlock with a free trial	13F
25	—	VANECK ETF TRUST - MRNGSTR WDE MOATetf/fund	—	$9.7M	1.0%	92K	-51%	—	—	13F
26	—	PACER FDS TR - US SM CAP CA ETF	—	$8.9M	0.9%	166K	-52%
27	—	J P MORGAN EXCHANGE TRADED F - ULTRA SHRT ETF	—	$7.5M	0.8%	148K	-50%
28	$BRK.B	BERKSHIRE HATHAWAY INC	Financials	$7.0M	0.7%	14K	-51%
29	$GOOGL	Alphabet Inc.	Technology	$6.7M	0.7%	19K	-44%
30	$AVGO	Broadcom Inc.	Technology	$6.2M	0.7%	18K	-50%
31	$AMZN	AMAZON COM INC	Consumer Discretionary	$6.0M	0.6%	24K	-60%
32	—	ISHARES TR - CORE S&P500 ETF	—	$5.6M	0.6%	7,307	-50%
33	—	FIRST TR EXCH TRADED FD III - PFD SECS INC ETF	—	$5.6M	0.6%	328K	-52%
34	$EPD	ENTERPRISE PRODUCTS PARTNERS L.P.	Energy	$5.0M	0.5%	141K	-49%
35	—	VANGUARD INDEX FDS - MRNGSTR TTL STK	—	$4.4M	0.5%	12K	-46%
36	$SBR	SABINE ROYALTY TRUST	Financials	$4.3M	0.5%	62K	-54%
37	$ET	Energy Transfer LP	Energy	$3.9M	0.4%	198K	-50%
38	$INTC	INTEL CORP	Technology	$3.7M	0.4%	31K	-49%
39	—	LATTICE STRATEGIES TR - HARTFORD MLT ETF	—	$3.6M	0.4%	88K	-51%
40	$XOM.R34088	EXXON MOBIL CORP	Energy	$3.5M	0.4%	21K	-49%
41	—	ISHARES TR - ISHS 1-5YR INVS	—	$3.3M	0.3%	65K	-24%
42	—	SCHWAB STRATEGIC TR - EMRG MKTEQ ETF	—	$2.9M	0.3%	80K	-50%
43	$TSM	TAIWAN SEMICONDUCTOR MANUFACTURING CO LTD	Technology	$2.9M	0.3%	6,400	-50%
44	$MPLX	MPLX LP	Energy	$2.8M	0.3%	49K	-49%
45	$PLTR	Palantir Technologies Inc.	Technology	$2.7M	0.3%	15K	-52%
46	$MU	MICRON TECHNOLOGY INC	Technology	$2.7M	0.3%	2,498	-43%
47	$JPM	JPMORGAN CHASE & CO	Financials	$2.4M	0.3%	7,298	-49%
48	—	SCHWAB STRATEGIC TR - INTL EQTY ETF	—	$2.4M	0.3%	87K	-52%
49	$META	Meta Platforms, Inc.	Technology	$2.3M	0.2%	3,136	-38%
50	$JNJ	JOHNSON & JOHNSON	Healthcare	$2.1M	0.2%	7,789	-47%
51	$LLY	ELI LILLY & Co	Healthcare	$2.0M	0.2%	1,745	-44%
52	—	ISHARES TR - CORE MSCI EAFE	—	$1.8M	0.2%	18K	-51%
53	$SCHW	SCHWAB CHARLES CORP	Financials	$1.7M	0.2%	18K	-55%
54	$MA	Mastercard Inc	Financials	$1.7M	0.2%	3,066	-42%
55	$SSB	SouthState Bank Corp	Financials	$1.6M	0.2%	16K	-50%
56	$WMT	Walmart Inc.	Consumer Staples	$1.6M	0.2%	15K	-47%
57	$PANW	Palo Alto Networks Inc	Technology	$1.6M	0.2%	3,974	-47%
58	$GEV	GE Vernova Inc.	Industrials	$1.5M	0.2%	1,608	-58%
59	$META	Meta Platforms, Inc.	Technology	$1.5M	0.1%	19K	-42%
60	—	FIRST TR EXCHNG TRADED FD VI - SMITH OPPORT FXD	—	$1.4M	0.1%	34K	-69%
61	—	SCHWAB STRATEGIC TR - FUNDAMENTAL US S	—	$1.4M	0.1%	40K	-50%
62	$AMD	ADVANCED MICRO DEVICES INC	Technology	$1.3M	0.1%	2,186	-41%
63	$BSM	Black Stone Minerals, L.P.	Energy	$1.3M	0.1%	93K	-50%
64	$CSCO	CISCO SYSTEMS, INC.	Technology	$1.3M	0.1%	12K	-50%
65	$TPL	Texas Pacific Land Corp	Financials	$1.3M	0.1%	4,053	-50%
66	$MRK	Merck & Co., Inc.	Healthcare	$1.3M	0.1%	8,962	-48%
67	$KO	COCA COLA CO	Consumer Staples	$1.3M	0.1%	15K	-47%
68	$CRWD	CrowdStrike Holdings, Inc.	Technology	$1.3M	0.1%	4,835	+48%
69	$PEP	PEPSICO INC	Consumer Staples	$1.3M	0.1%	9,947	-60%
70	—	VANGUARD INDEX FDS - S&P 500 ETF SHS	—	$1.2M	0.1%	1,777	-52%
71	—	GOLDMAN SACHS ETF TR - S&P 500 PREMIUM	—	$1.2M	0.1%	22K	-50%
72	$TSLA	Tesla, Inc.	Consumer Discretionary	$1.2M	0.1%	3,414	-55%
73	$CVX	CHEVRON CORP	Energy	$1.2M	0.1%	5,836	-47%
74	$MRVL	Marvell Technology, Inc.	Technology	$1.2M	0.1%	4,480	-59%
75	$ABBV	AbbVie Inc.	Healthcare	$1.2M	0.1%	4,504	-52%
76	$V	VISA INC.	Financials	$1.2M	0.1%	3,252	-43%
77	$DMLP	DORCHESTER MINERALS, L.P.	Energy	$1.2M	0.1%	42K	-55%
78	$GE	GENERAL ELECTRIC CO	Industrials	$1.2M	0.1%	3,714	-49%
79	$OKE	ONEOK INC /NEW/	Energy	$1.1M	0.1%	13K	-50%
80	—	SPDR INDEX SHS FDS - ST STR PO EX ETF	—	$1.1M	0.1%	23K	-49%
81	$GOOG	Alphabet Inc.	Technology	$1.1M	0.1%	3,336	-64%
82	$IBM	INTERNATIONAL BUSINESS MACHINES CORP	Technology	$1.1M	0.1%	5,110	-49%
83	$HBAN	HUNTINGTON BANCSHARES INC /MD/	Financials	$1.1M	0.1%	73K	-50%
84	—	TIDAL TRUST II - ROUNDHILL GENER	—	$1.1M	0.1%	12K	-50%
85	$COST	COSTCO WHOLESALE CORP /NEW	Consumer Staples	$1.0M	0.1%	1,104	-50%
86	$MS	MORGAN STANLEY	Financials	$977K	0.1%	5,197	-44%
87	$VNOM	Viper Energy, Inc.	Energy	$973K	0.1%	24K	-57%
88	—	ISHARES TR - CORE S&P MCP ETF	—	$966K	0.1%	13K	-47%
89	$GHC	Graham Holdings Co	Consumer Discretionary	$959K	0.1%	845	-50%
90	—	ISHARES INC - CORE MSCI EMKT	—	$950K	0.1%	12K	-50%
91	—	PGIM ETF TR - PGIM ULTRA SH BD	—	$901K	0.1%	18K	New
92	—	VANGUARD INDEX FDS - MRNGSTR MID CAP	—	$897K	0.1%	11K	-50%
93	$NLY	ANNALY CAPITAL MANAGEMENT INC	Real Estate	$883K	0.1%	47K	-50%
94	$BAC	BANK OF AMERICA CORP /DE/	Financials	$883K	0.1%	16K	-48%
95	—	VANGUARD INDEX FDS - MRNGSTR SML CAP	—	$873K	0.1%	3,068	-50%
96	—	VANGUARD INTL EQUITY INDEX F - ALLWRLD EX US	—	$867K	0.1%	10K	-50%
97	$AMGN	AMGEN INC	Healthcare	$853K	0.1%	2,023	-49%
98	$NBHC	National Bank Holdings Corp	Financials	$830K	0.1%	21K	-50%
99	—	VANECK ETF TRUST - SEMICONDUCTR ETF	—	$810K	0.1%	1,330	-60%
100	—	ISHARES TR - ESG AWR MSCI USA	—	$800K	0.1%	4,796	-50%
101	$PM	Philip Morris International Inc.	Consumer Staples	$796K	0.1%	4,169	-57%
102	—	ISHARES TR - ISHARES SEMICDTR	—	$769K	0.1%	1,352	-51%
103	—	J P MORGAN EXCHANGE TRADED F - NASDAQ EQT PREM	—	$742K	0.1%	12K	-50%
104	$LUV	SOUTHWEST AIRLINES CO	Industrials	$740K	0.1%	18K	-55%
105	—	ISHARES TR - S&P 500 GRWT ETF	—	$735K	0.1%	5,169	-50%
106	—	VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT	—	$726K	0.1%	10K	-46%
107	—	ISHARES TR - MSCI EMG MKT ETF	—	$723K	0.1%	11K	-50%
108	$GLD	SPDR GOLD TRUST	Financials	$715K	0.1%	1,877	-56%
109	$RTX	RTX Corp	Industrials	$714K	0.1%	3,846	-40%
110	$EMR	EMERSON ELECTRIC CO	Industrials	$713K	0.1%	4,599	-48%
111	$TXN	TEXAS INSTRUMENTS INC	Technology	$711K	0.1%	2,538	-51%
112	$AGNC	AGNC Investment Corp.	Real Estate	$710K	0.1%	78K	-49%
113	—	FIDELITY COVINGTON TRUST - MSCI INFO TECH I	—	$702K	0.1%	2,340	-50%
114	$CAT	CATERPILLAR INC	Industrials	$698K	0.1%	861	-36%
115	—	SELECT SECTOR SPDR TR - ST STR TECHN ETF	—	$688K	0.1%	3,515	-50%
116	$IVZ	Invesco Ltd.	Financials	$649K	0.1%	6,384	-50%
117	$COP	CONOCOPHILLIPS	Energy	$634K	0.1%	5,069	-50%
118	$BKNG	Booking Holdings Inc.	Consumer Discretionary	$607K	0.1%	3,725	-50%
119	—	INVESCO EXCHANGE TRADED FD T - S&P500 EQL ENR	—	$578K	0.1%	5,379	-44%
120	$IVZ	Invesco Ltd.	Financials	$577K	0.1%	1,894	-53%
121	$AXP	AMERICAN EXPRESS CO	Financials	$560K	0.1%	1,841	-47%
122	$PG	PROCTER & GAMBLE Co	Consumer Staples	$553K	0.1%	3,805	-47%
123	$HD	HOME DEPOT, INC.	Consumer Discretionary	$542K	0.1%	1,907	-52%
124	$UBER	Uber Technologies, Inc	Technology	$540K	0.1%	7,878	-51%
125	$LRCX	LAM RESEARCH CORP	Technology	$531K	0.1%	1,617	-38%
126	$WES	Western Midstream Partners, LP	Energy	$516K	0.1%	12K	-49%
127	$AMAT	APPLIED MATERIALS INC /DE	Technology	$510K	0.1%	997	-38%
128	—	SPDR SERIES TRUST - ST STR SP500DIV	—	$508K	0.1%	11K	-50%
129	$IVZ	Invesco Ltd.	Financials	$505K	0.1%	3,266	-46%
130	$TDAY	USA TODAY Co., Inc.	Communication Services	$503K	0.1%	80K	-50%
131	$WFC	WELLS FARGO & COMPANY/MN	Financials	$491K	0.1%	6,135	-49%
132	$T	AT&T INC.	Communication Services	$490K	0.1%	20K	-45%
133	$UPS	UNITED PARCEL SERVICE INC	Industrials	$487K	0.1%	5,215	-53%
134	$IAU	ISHARES GOLD TRUST	Financials	$485K	0.1%	6,209	-48%
135	$TMO	THERMO FISHER SCIENTIFIC INC.	Healthcare	$482K	0.1%	715	-38%
136	$SPCX	SPACE EXPLORATION TECHNOLOGIES CORP	Technology	$477K	0.1%	3,161	New
137	—	FRANKLIN TEMPLETON ETF TR - INTEL MACHI ETF	—	$474K	0.1%	4,284	-50%
138	$NSC	NORFOLK SOUTHERN CORP	Industrials	$467K	0.1%	1,510	-55%
139	$NOW	ServiceNow, Inc.	Technology	$463K	0.1%	3,456	-39%
140	$ISRG	INTUITIVE SURGICAL INC	Healthcare	$455K	0.1%	1,120	-38%
141	$LIN	LINDE PLC	Materials	$446K	0.1%	939	-47%
142	$ACN	Accenture plc	Technology	$442K	0.1%	2,412	New
143	—	SPDR SERIES TRUST - ST STR SP600 SML	—	$442K	0.1%	8,357	-50%
144	—	SELECT SECTOR SPDR TR - ST STR ENERG ETF	—	$438K	0.1%	7,123	-48%
145	$UNH	UNITEDHEALTH GROUP INC	Healthcare	$435K	0.1%	1,186	-39%
146	—	DIREXION SHARES ETF TRUST - NASDAQ 100 EQ WT	—	$433K	0.1%	3,606	-52%
147	$JBI	Janus International Group, Inc.	Industrials	$429K	0.0%	105K	-50%
148	$MO	ALTRIA GROUP, INC.	Consumer Staples	$427K	0.0%	6,336	-58%
149	$DELL	Dell Technologies Inc.	Technology	$426K	0.0%	791	-67%
150	$C	CITIGROUP INC	Financials	$424K	0.0%	3,274	-34%

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Every 13F HOWARD FINANCIAL SERVICES, LTD. has filed, 31 earlier quarters. Pick one to see what it held then.

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Q3 2026 13F filed with the SEC on Oct 15, 2026. Prices are closing prices as of Oct 27, 2026.

Average quality of HOWARD FINANCIAL SERVICES, LTD.'s top 20 holdings: 71/100 (our AI quality score, weighted by position size; 15 of the 20 are scored)