CAPE COD FIVE CENTS SAVINGS BANK

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CIK 1054646

13F portfolio (2025-Q4)

$1.1B

Positions

189

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q3. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2025-Q4)

Holdings

189

Top 5

28.1%

Top 10

43.1%

Effective N

37.5

HHI

0.027

This quarter

0 new · 0 exit →

By sector

Unclassified54.3%

Information Technology13.4%

Financials5.8%

Health Care5.4%

Consumer Discretionary5.3%

Industrials4.0%

Communication Services3.7%

Materials2.6%

Other5.6%

By market cap

Unknown54.7%

Mega (>$200B)23.2%

Large ($10–200B)21.5%

Mid ($2–10B)0.7%

By region

Other54.3%

North America45.3%

Asia-Pacific0.3%

Europe0.1%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	54.75%	70
Software	4.55%	4
Specialty Retail	4.33%	9
Technology Hardware & Equipment	3.87%	6
Pharmaceuticals & Biotechnology	3.35%	10
Commercial Services & Supplies	3.08%	8
Semiconductors & Semiconductor Equipment	3.01%	7
Software & IT Services	2.90%	4
Chemicals	2.07%	6
Oil, Gas & Consumable Fuels	1.90%	5
Banks	1.85%	5
Health Care Equipment & Supplies	1.74%	3
Insurance	1.44%	4
Beverages	1.29%	3
Utilities	1.25%	4
Media & Entertainment	0.97%	2
Hotels, Restaurants & Leisure	0.96%	3
Road & Rail	0.88%	2
Equity Real Estate Investment Trusts (REITs)	0.82%	3
Aerospace & Defense	0.77%	4
Machinery	0.70%	6
Communications Equipment	0.60%	2
Diversified Telecommunication Services	0.56%	2
Electrical Equipment & Components	0.55%	3
Capital Markets	0.42%	2
Paper & Forest Products	0.41%	2
Health Care Providers & Services	0.38%	2
Food Products	0.36%	3
Metals & Mining	0.12%	1
Entertainment	0.08%	1
Textiles, Apparel & Luxury Goods	0.03%	1
Distributors	0.02%	1
Airlines	0.02%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	IVV	ISHARES TR	Unclassified	8.67%
2	IJH	ISHARES TR	Unclassified	5.90%
3	VCIT	VANGUARD SCOTTSDALE FDS	Unclassified	5.51%
4	IEFA	ISHARES TR	Unclassified	4.29%
5	SPTS	SPDR SERIES TRUST	Unclassified	3.72%
6	IJR	ISHARES TR	Unclassified	3.31%
7	AAPL	Apple Inc.	Information Technology	3.24%
8	GLTR	ABRDN PRECIOUS METALS BASKET	Unclassified	2.86%
9	IEMG	ISHARES INC	Unclassified	2.83%
10	MSFT	MICROSOFT CORP	Information Technology	2.79%

120/189 names classified · sector 45.7% of weight · industry 45.3% · mkt cap 45.3%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 51 quarters

Information TechnologyAAPL, MSFT, GE, IBM, NVDA · other

Health CareJNJ, AMGN, SYK, ABT, NVS · other

FinancialsJPM, USB, BRK.B, V, WFC · other

IndustrialsMMM, ITW, ACN, TTC, NSC · other

Consumer DiscretionaryHD, MCD, COST, VFC, WWW · other

MaterialsPG, ECL, CHD, NKE, PKG · other

Communication ServicesGOOG, VZ, T, DIS, NFLX · other

EnergyXOM, CVX, BP, COP, HAL · other

Consumer StaplesPEP, GIS, MNST, KO, MKC · other

UtilitiesNEE, WEC, SO, ES, EPD · other

Real EstatePSA, AMT, PLD, WY, KIM · other

UnclassifiedIVV, IJH, IEFA, VCIT, SPTS · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 45.7% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2025-Q4), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 44% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (114 classified)CAPE COD FIVE CENTS SAVINGS BANK centroid (Large Core)

Information TechnologyConsumer DiscretionaryHealth CareFinancialsIndustrialsCommunication ServicesMaterialsEnergyUtilitiesConsumer StaplesReal Estate

Style box summary for CAPE COD FIVE CENTS SAVINGS BANK: centroid Large Core. Heaviest cells: Large Growth 16.1%, Large Core 13.4%, Large Value 8.3%.

Classified: 44.4% of book weight (114/185 names) · unclassified 55.6%: IVV, IJH, VCIT, IEFA, SPTS, IJR, GLTR, IEMG, VGIT, FLOT +61 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 189 positions (2025-Q4) · largest first · Δ vs 2025-Q3

#	Security	Shares	Value	Weight	Δ QoQ
1	IVVISHARES TR	164,213	$95M	8.7%	HOLD
2	IJHISHARES TR	1,033,266	$64M	5.9%	HOLD
3	VCITVANGUARD SCOTTSDALE FDS	718,432	$60M	5.5%	HOLD
4	IEFAISHARES TR	600,693	$47M	4.3%	HOLD
5	SPTSSPDR SERIES TRUST	1,380,036	$41M	3.7%	HOLD
6	IJRISHARES TR	309,086	$36M	3.3%	HOLD
7	AAPLAPPLE INC	151,758	$35M	3.2%	HOLD
8	GLTRABRDN PRECIOUS METALS BASKET	275,242	$31M	2.9%	HOLD
9	IEMGISHARES INC	537,923	$31M	2.8%	HOLD
10	MSFTMICROSOFT CORP	70,734	$30M	2.8%	HOLD
11	VGITVANGUARD SCOTTSDALE FDS	445,355	$27M	2.5%	HOLD
12	FLOTISHARES TR	432,756	$22M	2.0%	HOLD
13	VWOBVANGUARD WHITEHALL FDS	279,578	$19M	1.7%	HOLD
14	JPMJPMORGAN CHASE & CO	80,099	$17M	1.5%	HOLD
15	NVDANVIDIA CORPORATION	137,816	$17M	1.5%	HOLD
16	GOOGALPHABET INC	99,257	$17M	1.5%	HOLD
17	ANGLVANECK ETF TRUST	562,071	$17M	1.5%	HOLD
18	JNJJOHNSON & JOHNSON	76,983	$12M	1.1%	HOLD
19	XOMEXXON MOBIL CORP	105,504	$12M	1.1%	HOLD
20	ADBEADOBE INC	23,581	$12M	1.1%	HOLD
21	HDHOME DEPOT INC	28,912	$12M	1.1%	HOLD
22	IDEVISHARES TR	162,382	$12M	1.1%	HOLD
23	SYKSTRYKER CORPORATION	31,188	$11M	1.0%	HOLD
24	VVISA INC	40,540	$11M	1.0%	HOLD
25	VEAVANGUARD TAX-MANAGED FDS	199,278	$11M	1.0%	HOLD
26	AMGNAMGEN INC	31,320	$10M	0.9%	HOLD
27	MCDMCDONALDS CORP	29,998	$9M	0.8%	HOLD
28	NFLXNETFLIX INC	12,826	$9M	0.8%	HOLD
29	AMZNAMAZON COM INC	47,190	$9M	0.8%	HOLD
30	NEENEXTERA ENERGY INC	103,021	$9M	0.8%	HOLD
31	TJXTJX COS INC NEW	73,984	$9M	0.8%	HOLD
32	PEPPEPSICO INC	50,973	$9M	0.8%	HOLD
33	ADPAUTOMATIC DATA PROCESSING IN	31,148	$9M	0.8%	HOLD
34	ECLECOLAB INC	33,210	$8M	0.8%	HOLD
35	UNHUNITEDHEALTH GROUP INC	14,057	$8M	0.8%	HOLD
36	COSTCOSTCO WHSL CORP NEW	8,642	$8M	0.7%	HOLD
37	UNPUNION PAC CORP	29,950	$7M	0.7%	HOLD
38	CVXCHEVRON CORP NEW	48,721	$7M	0.7%	HOLD
39	LMTLOCKHEED MARTIN CORP	11,471	$7M	0.6%	HOLD
40	RMDRESMED INC	26,534	$6M	0.6%	HOLD
41	IWMISHARES TR	29,296	$6M	0.6%	HOLD
42	INTUINTUIT	10,221	$6M	0.6%	HOLD
43	QCOMQUALCOMM INC	36,876	$6M	0.6%	HOLD
44	MSCIMSCI INC	10,220	$6M	0.5%	HOLD
45	MRSHMARSH & MCLENNAN COS INC	26,703	$6M	0.5%	HOLD
46	CORPPIMCO ETF TR	59,858	$6M	0.5%	HOLD
47	APHAMPHENOL CORP	87,072	$6M	0.5%	HOLD
48	VZVERIZON COMMUNICATIONS INC	124,259	$6M	0.5%	HOLD
49	TSCOTRACTOR SUPPLY CO	18,914	$6M	0.5%	HOLD
50	GLDSPDR GOLD TR	22,407	$5M	0.5%	HOLD
51	BIVVANGUARD BD INDEX FDS	67,689	$5M	0.5%	HOLD
52	SPGIS&P GLOBAL INC	9,938	$5M	0.5%	HOLD
53	MDYSPDR S&P MIDCAP 400 ETF TR	9,002	$5M	0.5%	HOLD
54	FTNTFORTINET INC	64,436	$5M	0.5%	HOLD
55	BRK.BBERKSHIRE HATHAWAY INC DEL	10,799	$5M	0.5%	HOLD
56	MNSTMONSTER BEVERAGE CORP NEW	93,628	$5M	0.4%	HOLD
57	EMREMERSON ELEC CO	42,740	$5M	0.4%	HOLD
58	METAMETA PLATFORMS INC	8,097	$5M	0.4%	HOLD
59	PYPLPAYPAL HLDGS INC	58,432	$5M	0.4%	HOLD
60	ACNACCENTURE PLC IRELAND	12,894	$5M	0.4%	HOLD
61	PSAPUBLIC STORAGE OPER CO	12,315	$4M	0.4%	HOLD
62	CHDCHURCH & DWIGHT CO INC	41,838	$4M	0.4%	HOLD
63	PGPROCTER AND GAMBLE CO	24,719	$4M	0.4%	HOLD
64	TROWPRICE T ROWE GROUP INC	38,968	$4M	0.4%	HOLD
65	SPEMSPDR INDEX SHS FDS	102,363	$4M	0.4%	HOLD
66	PKGPACKAGING CORP AMER	19,498	$4M	0.4%	HOLD
67	HYEMVANECK ETF TRUST	206,261	$4M	0.4%	HOLD
68	AMATAPPLIED MATLS INC	19,717	$4M	0.4%	HOLD
69	WECWEC ENERGY GROUP INC	41,221	$4M	0.4%	HOLD
70	CHECHEMED CORP NEW	6,536	$4M	0.4%	HOLD
71	AMTAMERICAN TOWER CORP	16,720	$4M	0.4%	HOLD
72	TSMTAIWAN SEMICONDUCTOR MFG LTD	21,642	$4M	0.3%	HOLD
73	SPYSTATE STR SPDR S&P 500 ETF T	6,278	$4M	0.3%	HOLD
74	ABBVABBVIE INC	17,399	$3M	0.3%	HOLD
75	CLXCLOROX CO DEL	20,613	$3M	0.3%	HOLD
76	HSYHERSHEY CO	17,441	$3M	0.3%	HOLD
77	IDXXIDEXX LABS INC	6,566	$3M	0.3%	HOLD
78	ITWILLINOIS TOOL WKS INC	12,280	$3M	0.3%	HOLD
79	XLESELECT SECTOR SPDR TR	35,265	$3M	0.3%	HOLD
80	EFAISHARES TR	34,240	$3M	0.3%	HOLD
81	CPRTCOPART INC	54,398	$3M	0.3%	HOLD
82	TTCTORO CO	32,515	$3M	0.3%	HOLD
83	SCHPSCHWAB STRATEGIC TR	51,949	$3M	0.3%	HOLD
84	SGOLETFS GOLD TR	100,068	$3M	0.2%	HOLD
85	LLYELI LILLY & CO	2,702	$2M	0.2%	HOLD
86	SPIPSPDR SERIES TRUST	87,423	$2M	0.2%	HOLD
87	NSCNORFOLK SOUTHN CORP	8,878	$2M	0.2%	HOLD
88	TXNTEXAS INSTRS INC	10,205	$2M	0.2%	HOLD
89	ABTABBOTT LABS	18,403	$2M	0.2%	HOLD
90	MAMASTERCARD INCORPORATED	3,866	$2M	0.2%	HOLD
91	AXPAMERICAN EXPRESS CO	6,685	$2M	0.2%	HOLD
92	GOOGLALPHABET INC	10,857	$2M	0.2%	HOLD
93	VIGVANGUARD SPECIALIZED FUNDS	9,080	$2M	0.2%	HOLD
94	HYMBSPDR SERIES TRUST	66,538	$2M	0.2%	HOLD
95	NKENIKE INC	18,749	$2M	0.2%	HOLD
96	PLYMPLYMOUTH INDL REIT INC	70,426	$2M	0.1%	HOLD
97	BNDVANGUARD BD INDEX FDS	20,658	$2M	0.1%	HOLD
98	VWOVANGUARD INTL EQUITY INDEX F	31,961	$2M	0.1%	HOLD
99	VOOVANGUARD INDEX FDS	2,778	$1M	0.1%	HOLD
100	CMCSACOMCAST CORP NEW	34,536	$1M	0.1%	HOLD
101	TGTTARGET CORP	9,210	$1M	0.1%	HOLD
102	MRKMERCK & CO INC	12,031	$1M	0.1%	HOLD
103	NUENUCOR CORP	8,514	$1M	0.1%	HOLD
104	VOLEX PLC ORD	286,516	$1M	0.1%	HOLD
105	IOOIShares S&P Global 100 Index ETF	12,489	$1M	0.1%	HOLD
106	MMM3M CO	8,887	$1M	0.1%	HOLD
107	SCHOSCHWAB SHORT-TERM US TREASURY ETF	24,499	$1M	0.1%	HOLD
108	SPSMSPDR SERIES TRUST	25,614	$1M	0.1%	HOLD
109	SBUXSTARBUCKS CORP	11,274	$1M	0.1%	HOLD
110	VTEBVANGUARD MUN BD FDS	20,173	$1M	0.1%	HOLD
111	GEGE AEROSPACE	5,345	$1M	0.1%	HOLD
112	SPMDSPDR SERIES TRUST	17,963	$982,216	0.1%	HOLD
113	INVESCO QQQ TR	1,937	$945,391	0.1%	HOLD
114	CITHE CIGNA GROUP	2,701	$935,734	0.1%	HOLD
115	DISDISNEY WALT CO	9,602	$923,615	0.1%	HOLD
116	VTVVANGUARD INDEX FDS	5,212	$909,858	0.1%	HOLD
117	EMBISHARES TR	9,610	$899,303	0.1%	HOLD
118	CSCOCISCO SYS INC	14,476	$770,412	0.1%	HOLD
119	RTXRTX CORPORATION	6,121	$741,620	0.1%	HOLD
120	ORCLORACLE CORP	4,017	$684,496	0.1%	HOLD
121	HONHONEYWELL INTL INC	3,268	$675,528	0.1%	HOLD
122	DEDEERE & CO	1,606	$670,231	0.1%	HOLD
123	NTRSNORTHERN TR CORP	6,876	$619,046	0.1%	HOLD
124	IWRISHARES TR	6,907	$608,782	0.1%	HOLD
125	PLDPROLOGIS INC.	4,680	$590,990	0.1%	HOLD
126	KOCOCA COLA CO	8,117	$583,287	0.1%	HOLD
127	ALLALLSTATE CORP	3,052	$578,811	0.1%	HOLD
128	PFEPFIZER INC	19,031	$550,757	0.1%	HOLD
129	BMYBRISTOL-MYERS SQUIBB CO	10,537	$545,183	0.0%	HOLD
130	COPCONOCOPHILLIPS	5,113	$538,296	0.0%	HOLD
131	TAT&T INC	23,988	$527,736	0.0%	HOLD
132	ESEVERSOURCE ENERGY	7,668	$521,807	0.0%	HOLD
133	VDEVANGUARD WORLD FD	4,196	$513,884	0.0%	HOLD
134	XLISELECT SECTOR SPDR TR	3,570	$483,520	0.0%	HOLD
135	TDTORONTO DOMINION BK ONT	7,641	$483,369	0.0%	HOLD
136	XLKSELECT SECTOR SPDR TR	2,088	$471,386	0.0%	HOLD
137	KBESPDR SERIES TRUST	8,622	$456,016	0.0%	HOLD
138	IBMINTERNATIONAL BUSINESS MACHS	2,053	$453,877	0.0%	HOLD
139	AVGOBROADCOM INC	2,620	$451,950	0.0%	HOLD
140	CLCOLGATE PALMOLIVE CO	4,038	$419,184	0.0%	HOLD
141	IAUISHARES GOLD TR	8,275	$411,267	0.0%	HOLD
142	SOSOUTHERN CO	4,475	$403,555	0.0%	HOLD
143	IWBISHARES TR	1,271	$399,589	0.0%	HOLD
144	ETNEATON CORP PLC	1,204	$399,053	0.0%	HOLD
145	USBUS BANCORP	8,724	$398,948	0.0%	HOLD
146	DHRDANAHER CORP DEL	1,402	$389,784	0.0%	HOLD
147	VUGVANGUARD INDEX FDS	1,000	$383,930	0.0%	HOLD
148	VERISIGN INC	1,978	$375,740	0.0%	HOLD
149	EMXCISHARES INC	6,119	$373,932	0.0%	HOLD
150	IGIBISHARES TR	6,829	$366,853	0.0%	HOLD
151	LOWLOWES COS INC	1,351	$365,918	0.0%	HOLD
152	SCHDSCHWAB STRATEGIC TR	4,235	$357,984	0.0%	HOLD
153	SUBISHARES TR	3,358	$356,586	0.0%	HOLD
154	NVSNOVARTIS AG	3,039	$349,545	0.0%	HOLD
155	PSXPHILLIPS 66	2,625	$345,056	0.0%	HOLD
156	VTIVANGUARD INDEX FDS	1,183	$334,978	0.0%	HOLD
157	BABOEING CO	2,144	$325,973	0.0%	HOLD
158	GEVGE VERNOVA INC	1,244	$317,194	0.0%	HOLD
159	AMPAMERIPRISE FINL INC	646	$303,497	0.0%	HOLD
160	SMHVANECK ETF TRUST	1,220	$299,449	0.0%	HOLD
161	IWFISHARES TR	790	$296,550	0.0%	HOLD
162	CTASCINTAS CORP	1,440	$296,467	0.0%	HOLD
163	GISGENERAL MILLS INC	3,987	$294,439	0.0%	HOLD
164	XLCSELECT SECTOR SPDR TR	3,256	$294,342	0.0%	HOLD
165	EEMISHARES TR	6,330	$290,293	0.0%	HOLD
166	SHELSHELL PLC	4,225	$278,638	0.0%	HOLD
167	MASMASCO CORP	3,279	$275,239	0.0%	HOLD
168	TMOTHERMO FISHER SCIENTIFIC INC	443	$274,026	0.0%	HOLD
169	CARRCARRIER GLOBAL CORPORATION	3,377	$271,814	0.0%	HOLD
170	ESEESCO TECHNOLOGIES INC	1,991	$256,799	0.0%	HOLD
171	BBHYJ P MORGAN EXCHANGE TRADED F	5,387	$255,127	0.0%	HOLD
172	SYYSYSCO CORP	3,210	$250,572	0.0%	HOLD
173	MDLZMONDELEZ INTL INC	3,390	$249,741	0.0%	HOLD
174	TIPISHARES TR	2,221	$245,353	0.0%	HOLD
175	KMBKIMBERLY-CLARK CORP	1,700	$241,875	0.0%	HOLD
176	DGXQUEST DIAGNOSTICS INC	1,480	$229,770	0.0%	HOLD
177	USIGISHARES TR	4,222	$221,992	0.0%	HOLD
178	EATBRINKER INTL INC	2,900	$221,937	0.0%	HOLD
179	WMTWALMART INC	2,729	$220,366	0.0%	HOLD
180	IYRISHARES TR	2,112	$215,148	0.0%	HOLD
181	Coca-Cola Consolidated Inc	37,000	$212,258	0.0%	HOLD
182	FDXFEDEX CORP	765	$209,365	0.0%	HOLD
183	EBAYEBAY INC.	3,200	$208,352	0.0%	HOLD
184	INTCINTEL CORP	8,820	$206,916	0.0%	HOLD
185	FISVFISERV INC	1,147	$206,058	0.0%	HOLD
186	IATISHARES TR	4,249	$201,997	0.0%	HOLD
187	SWRAYSWIRE PACIFIC LTD SPONS ADR RP	15,875	$135,699	0.0%	HOLD
188	POAHYPORSCHE AUTOMOBILUNSP ADR	17,263	$79,150	0.0%	HOLD
189	OJSC OC ROSNEFT RUB 0.01 GDR	15,000	$17,820	0.0%	HOLD

☆CAPE COD FIVE CENTS SAVINGS BANK