Q3 2026 13F · SEC CIK 1808394

Flower City Capital

Wealth managerFiled 2026-10-15 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $233.6M
Reported positions: 44
Top holdings a year, 3 yrs: +18.0%
Assets under management: $444.6M

Flower City Capital is a wealth manager that reported 44 positions worth $233.6M in its Q3 2026 13F, filed 2026-10-15. Its largest holdings were Vanguard Scottsdale Fds (VONE, 37.0%), Vanguard Intl Equity Index F (VEU, 30.3%), Vanguard Index Fds (VOO, 7.2%). A portfolio copying its top holdings returned 18.0% a year over the last 3 years, against 20.4% for the S&P 500.

Flower City Capital holdings all 44 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Flower City Capital 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
VONEVanguard Scottsdale Fds	37.0%	36.4%	251,479	+3.0%	$86.5M
VEUVanguard Intl Equity Index F	30.3%	30.5%	852,358	+3.1%	$70.7M
VOOVanguard Index Fds	7.2%	7.2%	23,887	+0.3%	$16.7M
IVVIshares Tr	4.0%	4.0%	12,110	-0.3%	$9.3M
VSSVanguard Intl Equity Index F	2.9%	2.8%	43,047	+4.8%	$6.7M
EFAIshares Tr	2.5%	2.6%	56,583	-0.4%	$5.9M
AAPLApple Inc	2.0%	1.8%	13,989	-0.3%	$4.7M
VIOOVanguard Admiral Fds Inc	1.6%	1.7%	29,767	+3.4%	$3.8M
SCHXSchwab Strategic Tr	1.6%	1.6%	123,593	-1.6%	$3.7M
VVVanguard Index Fds	1.5%	1.5%	9,815	-0.7%	$3.5M
VXUSVanguard Star Fds	0.8%	0.8%	22,455	+0.9%	$1.9M
VEAVanguard Ftse Developed Markets Index Fu	0.8%	0.8%	25,242	+2.7%	$1.8M
NVDANvidia Corporation	0.7%	0.7%	7,425	-0.1%	$1.7M
MSFTMicrosoft Corp	0.7%	0.5%	3,041	-3.4%	$1.6M
AAUBEa Series Trust	0.6%	New	29,229	—	$1.5M
VTIVanguard Index Fds	0.6%	0.6%	3,538	-5.9%	$1.3M
VTWOVanguard Scottsdale Fds	0.5%	0.5%	9,504	+0.3%	$1.1M
AMZNAmazon Com Inc	0.4%	0.4%	4,186	+0.0%	$1.0M
SCHFSchwab Strategic Tr	0.4%	0.4%	35,460	+0.4%	$974K
CVXChevron Corporation	0.3%	0.3%	3,683	+0.0%	$752K
VTVanguard Intl Equity Index F	0.3%	0.3%	4,405	+4.2%	$695K
VUGVanguard Index Fds	0.3%	0.3%	6,798	-8.2%	$613K
GOOGLAlphabet Inc	0.3%	0.3%	1,731	-1.4%	$596K
SPLGSpdr Series Trust	0.2%	0.2%	5,848	-2.1%	$525K
GOOGAlphabet Inc	0.2%	0.2%	1,483	-1.5%	$505K
IYWIshares Tr	0.2%	0.2%	1,620	+0.0%	$429K
GEGe Aerospace	0.2%	0.2%	1,369	+2.2%	$428K
IWMIshares Tr	0.2%	0.2%	1,532	+0.0%	$426K
VBVanguard Index Fds	0.2%	0.2%	1,490	+7.0%	$424K
JPMJpmorgan Chase & Co	0.2%	0.2%	1,225	+0.0%	$405K
BRK-BBerkshire Hathaway Inc Del	0.2%	0.2%	725	+0.0%	$361K
VOVanguard Index Fds	0.1%	0.1%	4,066	+24.5%	$319K
TPGTpg Inc	0.1%	0.1%	7,160	+0.0%	$316K
GEVGe Vernova Inc	0.1%	0.2%	329	+0.0%	$313K
SCHESchwab Strategic Tr	0.1%	0.1%	8,388	+0.0%	$306K
SCHASchwab Strategic Tr	0.1%	0.1%	9,113	+0.0%	$297K
IBMInternational Business Machs	0.1%	0.2%	1,174	-22.5%	$258K
KURAKura Oncology Inc	0.1%	0.1%	23,000	+27.8%	$246K
IMRXImmuneering Corp	0.1%	0.1%	60,029	+9.1%	$246K
HDHome Depot Inc	0.1%	0.1%	850	+0.0%	$242K
GRVYGravity Co Ltd	0.1%	0.1%	3,500	+0.0%	$234K
REGNRegeneron Pharmaceuticals	0.1%	0.1%	300	-40.0%	$227K
PGENPrecigen Inc	0.1%	0.1%	20,000	+0.0%	$171K
OTLKOutlook Therapeutics Inc	0.0%	0.0%	50,000	+150.0%	$29K

What Flower City Capital bought and sold in Q3 2026, against Q2 2026.

Share counts compared with the Q2 2026 13F; a split also changes share counts.

How the holdings did against the S&P 500.

1 year: +21.4% /yr; S&P 500 +20.1%
3 years: +18.0% /yr; S&P 500 +20.4%
5 years: +10.4% /yr; S&P 500 +13.0%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$233.6M	44
Q2 2026	$227.1M	49
Q1 2026	$199.3M	46
Q4 2025	$196.1M	44
Q3 2025	$186.0M	43
Q2 2025	$169.6M	39
Q1 2025	$152.5M	38
Q4 2024	$163.5M	34
Q3 2024	$170.3M	33
Q2 2024	$154.9M	32
Q1 2024	$150.5M	32
Q4 2023	$134.4M	35

Questions about Flower City Capital's portfolio

What stocks does Flower City Capital own?

Flower City Capital's latest 13F, for Q3 2026 and filed Oct 15, 2026, lists 44 positions worth $233.6M. The largest are Vanguard Scottsdale Fds (VONE) at 37.0%, Vanguard Intl Equity Index F (VEU) at 30.3%, Vanguard Index Fds (VOO) at 7.2%, Ishares Tr (IVV) at 4.0% and Vanguard Intl Equity Index F (VSS) at 2.9%.

What did Flower City Capital buy last quarter?

In Q3 2026, Flower City Capital added a new position in Ea Series Trust (AAUB), Outlook Therapeutics Inc (OTLK) (+150.0% shares), Kura Oncology Inc (KURA) (+27.8% shares) and Vanguard Index Fds (VO) (+24.5% shares), compared with its Q2 2026 filing.

What did Flower City Capital sell last quarter?

In Q3 2026, Flower City Capital sold all of Vanguard Bd Index Fds (BND), sold all of Texas Pacific Land Corporati (TPL), sold all of Wheaton Precious Metals Corp (WPM), sold all of Walmart Inc (WMT), sold all of Aon PLC (AON), Regeneron Pharmaceuticals (REGN) (-40.0% shares), International Business Machs (IBM) (-22.5% shares) and Vanguard Index Fds (VUG) (-8.2% shares), compared with its Q2 2026 filing.

How has Flower City Capital's portfolio performed?

A portfolio copying Flower City Capital's 20 largest 13F holdings each quarter, from the day each filing was public, returned +18.0% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +21.4% against +20.1%. Over 5 years: +10.4% a year against +13.0%.

When is Flower City Capital's next 13F filing due?

13F filings are due 45 days after each quarter ends. Flower City Capital's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Flower City Capital manage?

Flower City Capital reported $444.6M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $233.6M.