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Penney Financial, LLC

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13F filer, CIK 2049857, HOUSTON, TX

Penney Financial, LLC reported $259,141,372 across 49 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-01-21. Its ten largest share positions make up 75.64% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0002049857-26-000001

Period
2025-12-31
Reported value
$259M
Holdings
49
Top 10 weight
75.64%
New
2
Sold out
2

Largest buys vs the previous quarter

SecurityShares changeApprox. value
SGOVadded+65,881$6.61M
GSLCadded+36,749$4.86M
FLMIadded+183,905$4.57M
CGMUadded+105,319$2.88M
DFNMadded+56,568$2.72M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
SHYMexited-27,300-$610K
XLKexited-720-$203K
AMZNreduced-174-$40.2K
IJHreduced-600-$39.6K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q4 2025

Share positions as resolved from 13F-HR 0002049857-26-000001, largest first. % of portfolio is the value over $259,141,372, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
GSLCGOLDMAN SACHS ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 375,939 shares; 2024Q4: 376,205 shares; 2025Q1: 393,309 shares; 2025Q2: 427,800 shares; 2025Q3: 435,895 shares; 2025Q4: 472,644 shares 472,644$62.6M24.14%+36,749Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 114,800 shares; 2024Q4: 114,559 shares; 2025Q1: 118,688 shares; 2025Q2: 115,101 shares; 2025Q3: 118,453 shares; 2025Q4: 124,072 shares 124,072$41.6M16.05%+5,619Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 265,693 shares; 2024Q4: 276,148 shares; 2025Q1: 298,709 shares; 2025Q2: 308,048 shares; 2025Q3: 314,790 shares; 2025Q4: 341,986 shares 341,986$21.4M8.24%+27,196Timeline
SGOVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 79,966 shares; 2025Q3: 117,816 shares; 2025Q4: 183,697 shares 183,697$18.4M7.12%+65,881Timeline
IEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 88,562 shares; 2024Q4: 92,143 shares; 2025Q1: 96,558 shares; 2025Q2: 102,057 shares; 2025Q3: 118,436 shares; 2025Q4: 131,595 shares 131,595$11.8M4.54%+13,159Timeline
JPIEJ P MORGAN EXCHANGE TRADED FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,775 shares; 2024Q4: 5,485 shares; 2025Q1: 6,515 shares; 2025Q2: 170,545 shares; 2025Q3: 179,047 shares; 2025Q4: 201,316 shares 201,316$9.32M3.6%+22,269Timeline
VYMVANGUARD WHITEHALL FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 77,487 shares; 2024Q4: 78,930 shares; 2025Q1: 83,122 shares; 2025Q2: 56,791 shares; 2025Q3: 56,933 shares; 2025Q4: 60,808 shares 60,808$8.73M3.37%+3,875Timeline
SCHDSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 90,176 shares; 2024Q4: 278,722 shares; 2025Q1: 292,747 shares; 2025Q2: 296,404 shares; 2025Q3: 306,235 shares; 2025Q4: 306,674 shares 306,674$8.41M3.25%+439Timeline
EVTRMORGAN STANLEY ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 113,122 shares; 2025Q3: 117,979 shares; 2025Q4: 134,473 shares 134,473$6.93M2.67%+16,494Timeline
VCRBVANGUARD MALVERN FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 73,828 shares; 2025Q3: 77,332 shares; 2025Q4: 88,421 shares 88,421$6.89M2.66%+11,089Timeline
FLMIFRANKLIN TEMPLETON ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 76,537 shares; 2025Q4: 260,442 shares 260,442$6.48M2.5%+183,905Timeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 26,564 shares; 2024Q4: 26,887 shares; 2025Q1: 28,252 shares; 2025Q2: 23,260 shares; 2025Q3: 23,100 shares; 2025Q4: 24,650 shares 24,650$6.36M2.45%+1,550Timeline
JEPIJ P MORGAN EXCHANGE TRADED FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 78,822 shares; 2024Q4: 80,392 shares; 2025Q1: 85,147 shares; 2025Q2: 86,324 shares; 2025Q3: 90,462 shares; 2025Q4: 97,787 shares 97,787$5.6M2.16%+7,325Timeline
CGMUCAPITAL GRP FIXED INCM ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 58,766 shares; 2025Q4: 164,085 shares 164,085$4.49M1.73%+105,319Timeline
AGGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,881 shares; 2024Q4: 9,279 shares; 2025Q1: 9,964 shares; 2025Q2: 40,166 shares; 2025Q3: 41,705 shares; 2025Q4: 44,448 shares 44,448$4.44M1.71%+2,743Timeline
DFNMDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 31,737 shares; 2025Q4: 88,305 shares 88,305$4.25M1.64%+56,568Timeline
HELOJ P MORGAN EXCHANGE TRADED FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 54,927 shares; 2024Q4: 57,940 shares; 2025Q1: 60,590 shares; 2025Q2: 57,198 shares; 2025Q3: 61,161 shares; 2025Q4: 63,799 shares 63,799$4.24M1.64%+2,638Timeline
VTEBVANGUARD MUN BD FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 26,530 shares; 2024Q4: 27,998 shares; 2025Q1: 29,124 shares; 2025Q2: 54,532 shares; 2025Q3: 57,837 shares; 2025Q4: 73,132 shares 73,132$3.68M1.42%+15,295Timeline
VXUSVANGUARD STAR FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 37,708 shares; 2024Q4: 40,208 shares; 2025Q1: 40,848 shares; 2025Q2: 37,649 shares; 2025Q3: 37,649 shares; 2025Q4: 41,273 shares 41,273$3.11M1.2%+3,624Timeline
SCHBSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,252 shares; 2024Q4: 32,255 shares; 2025Q1: 29,155 shares; 2025Q2: 104,248 shares; 2025Q3: 110,248 shares; 2025Q4: 110,748 shares 110,748$2.9M1.12%+500Timeline
SUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 21,490 shares; 2024Q4: 22,228 shares; 2025Q1: 23,073 shares; 2025Q2: 23,205 shares; 2025Q3: 23,581 shares; 2025Q4: 24,606 shares 24,606$2.63M1.01%+1,025Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,852 shares; 2024Q4: 7,854 shares; 2025Q1: 7,856 shares; 2025Q2: 7,958 shares; 2025Q3: 8,451 shares; 2025Q4: 8,887 shares 8,887$2.42M0.93%+436Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 409 shares; 2024Q4: 565 shares; 2025Q1: 871 shares; 2025Q2: 923 shares; 2025Q3: 1,257 shares; 2025Q4: 2,070 shares 2,070$1.3M0.5%+813Timeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,854 shares; 2024Q4: 1,854 shares; 2025Q1: 1,854 shares; 2025Q2: 1,854 shares; 2025Q3: 1,374 shares; 2025Q4: 1,374 shares 1,374$941K0.36%0Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,696 shares; 2024Q4: 1,736 shares; 2025Q1: 1,736 shares; 2025Q2: 1,736 shares; 2025Q3: 1,890 shares; 2025Q4: 1,890 shares 1,890$914K0.35%0Timeline
IWBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,380 shares; 2024Q4: 2,380 shares; 2025Q1: 2,380 shares; 2025Q2: 2,380 shares; 2025Q3: 2,380 shares; 2025Q4: 2,380 shares 2,380$889K0.34%0Timeline
CVXCHEVRON CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,575 shares; 2024Q4: 5,575 shares; 2025Q1: 5,335 shares; 2025Q2: 5,335 shares; 2025Q3: 5,508 shares; 2025Q4: 5,508 shares 5,508$839K0.32%0Timeline
JQUAJ P MORGAN EXCHANGE TRADED FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 11,979 shares; 2024Q4: 11,943 shares; 2025Q1: 11,943 shares; 2025Q2: 11,943 shares; 2025Q3: 11,943 shares; 2025Q4: 11,943 shares 11,943$755K0.29%0Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,599 shares; 2024Q4: 2,759 shares; 2025Q1: 2,759 shares; 2025Q2: 2,859 shares; 2025Q3: 3,261 shares; 2025Q4: 3,087 shares 3,087$713K0.27%-174Timeline
IWMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,203 shares; 2024Q4: 2,203 shares; 2025Q1: 2,203 shares; 2025Q2: 2,203 shares; 2025Q3: 2,203 shares; 2025Q4: 2,203 shares 2,203$542K0.21%0Timeline
LNGCHENIERE ENERGY INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 2,725 shares; 2025Q1: 2,725 shares; 2025Q2: 2,725 shares; 2025Q3: 2,725 shares; 2025Q4: 2,725 shares 2,725$530K0.2%0Timeline
ITOTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 3,481 shares; 2025Q4: 3,481 shares 3,481$518K0.2%0Timeline
AVGOBROADCOM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,000 shares; 2025Q1: not reported; 2025Q2: 1,000 shares; 2025Q3: 1,000 shares; 2025Q4: 1,000 shares 1,000$346K0.13%0Timeline
FDXFEDEX CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,152 shares; 2024Q4: 1,152 shares; 2025Q1: 1,152 shares; 2025Q2: 1,152 shares; 2025Q3: 1,151 shares; 2025Q4: 1,151 shares 1,151$332K0.13%0Timeline
LLYELI LILLY & COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 297 shares; 2025Q4: 298 shares 298$320K0.12%+1Timeline
EQNREQUINOR ASAQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,297 shares; 2024Q4: 13,297 shares; 2025Q1: 13,297 shares; 2025Q2: 13,297 shares; 2025Q3: 13,297 shares; 2025Q4: 13,297 shares 13,297$314K0.12%0Timeline
GVAGRANITE CONSTR INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,647 shares; 2024Q4: 3,647 shares; 2025Q1: 3,647 shares; 2025Q2: 3,647 shares; 2025Q3: 2,647 shares; 2025Q4: 2,647 shares 2,647$305K0.12%0Timeline
BSVVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,197 shares; 2024Q4: 4,197 shares; 2025Q1: 4,202 shares; 2025Q2: 3,930 shares; 2025Q3: 3,866 shares; 2025Q4: 3,866 shares 3,866$305K0.12%0Timeline
NSPINSPERITY INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,976 shares; 2024Q4: 6,976 shares; 2025Q1: 6,976 shares; 2025Q2: 6,976 shares; 2025Q3: 6,976 shares; 2025Q4: 6,976 shares 6,976$270K0.1%0Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,272 shares; 2024Q4: 9,816 shares; 2025Q1: 9,816 shares; 2025Q2: 9,816 shares; 2025Q3: 9,816 shares; 2025Q4: 9,816 shares 9,816$264K0.1%0Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,026 shares; 2025Q4: 2,187 shares 2,187$263K0.1%+161Timeline
GOOGLALPHABET INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 829 shares 829$259K0.1%newTimeline
METAMETA PLATFORMS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 384 shares; 2025Q4: 384 shares 384$253K0.1%0Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 519 shares; 2025Q4: 519 shares 519$253K0.1%0Timeline
IJHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,175 shares; 2024Q4: 4,175 shares; 2025Q1: 4,175 shares; 2025Q2: 4,175 shares; 2025Q3: 4,175 shares; 2025Q4: 3,575 shares 3,575$236K0.09%-600Timeline
CWISPDR INDEX SHS FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 6,540 shares; 2025Q3: 6,540 shares; 2025Q4: 6,540 shares 6,540$235K0.09%0Timeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 645 shares; 2025Q1: 645 shares; 2025Q2: 645 shares; 2025Q3: 645 shares; 2025Q4: 645 shares 645$226K0.09%0Timeline
JPMJPMORGAN CHASE & COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 698 shares; 2025Q3: 658 shares; 2025Q4: 658 shares 658$212K0.08%0Timeline
BTIBRITISH AMERN TOB PLCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 3,603 shares 3,603$204K0.08%newTimeline

Sold out in Q4 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
SHYMBLACKROCK ETF TRUST II27,300$610Kshares
XLKSELECT SECTOR SPDR TR720$203Kshares

How Q4 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0002049857-26-000001 base2026-01-21acceptance time not in the bulk data set