SBK Financial, Inc.

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CIK 1911894

13F portfolio (2022-Q4)

$63M

Positions

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2022-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 (2022-Q4)

Holdings

Top 5

32.0%

Top 10

44.8%

Effective N

29.5

HHI

0.034

This quarter

0 new · 0 exit →

By sector

Unclassified30.3%

Information Technology22.1%

Consumer Discretionary10.9%

Health Care7.2%

Materials7.0%

Financials5.8%

Communication Services5.3%

Energy4.1%

Other7.1%

By market cap

Mega (>$200B)47.2%

Unknown30.3%

Large ($10–200B)22.4%

Micro (<$300M)0.1%

By region

North America69.7%

Other30.3%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	31.29%	25
Technology Hardware & Equipment	11.28%	3
Software	10.53%	2
Specialty Retail	10.03%	5
Pharmaceuticals & Biotechnology	7.22%	4
Chemicals	6.96%	3
Oil, Gas & Consumable Fuels	4.14%	2
Software & IT Services	3.27%	2
Banks	2.95%	4
Entertainment	2.07%	1
Beverages	2.07%	1
Commercial Services & Supplies	1.89%	1
Tobacco	1.69%	1
Road & Rail	1.12%	1
Aerospace & Defense	0.96%	1
Hotels, Restaurants & Leisure	0.84%	1
Utilities	0.80%	1
Equity Real Estate Investment Trusts (REITs)	0.50%	1
Semiconductors & Semiconductor Equipment	0.34%	1
Automobiles & Components	0.07%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	MSFT	MICROSOFT CORP	Information Technology	9.83%
2	AAPL	Apple Inc.	Information Technology	8.19%
3	USRT	ISHARES TR	Unclassified	5.84%
4	LOW	LOWES COMPANIES INC	Consumer Discretionary	4.63%
5	NKE	NIKE, Inc.	Materials	3.53%
6	JNJ	JOHNSON & JOHNSON	Health Care	3.11%
7	XOM	EXXON MOBIL CORP	Energy	2.86%
8	SPY	STATE STR SPDR S&P 500 ETF T	Unclassified	2.37%
9	GOOGL	Alphabet Inc.	Communication Services	2.31%
10	HD	HOME DEPOT, INC.	Consumer Discretionary	2.11%

37/61 names classified · sector 69.7% of weight · industry 68.7% · mkt cap 69.7%; unclassified names shown, never dropped.

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

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

Information TechnologyMSFT, AAPL, DHR, IBM, ORCL · other

Consumer DiscretionaryLOW, HD, AMZN, DLTR, MCD · other

Health CareJNJ, MRK, PFE, BMY, ABT · other

MaterialsNKE, PPG, PG, ECL

Communication ServicesGOOGL, DIS, GOOG, VZ, T · other

FinancialsV, JPM, COF, BRK.B, PNC · other

Consumer StaplesPM, KO, CVS, PEP, MO

EnergyXOM, CVX

IndustrialsUNP, RTX, UPS, CARR, LMT · other

UtilitiesNEE, D

Real EstateAMT, IVT

UnclassifiedUSRT, IWP, IWS, SPY, VO · 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: 69.7% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2022-Q4), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

holdings, colored by sector (35 classified)SBK Financial, Inc. centroid (Large Core)

Information TechnologyConsumer DiscretionaryHealth CareMaterialsCommunication ServicesFinancialsEnergyConsumer StaplesIndustrialsUtilitiesReal Estate

Style box summary for SBK Financial, Inc.: centroid Large Core. Heaviest cells: Large Growth 26.1%, Large Value 24.6%, Large Core 11.6%.

Classified: 68.6% of book weight (35/61 names) · unclassified 31.4%: USRT, SPY, VO, IWS, EFG, IVW, IVV, IJR, IWO, IVE +16 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· 61 positions (2022-Q4) · largest first · Δ vs 2022-Q3

#	Security	Shares	Value	Weight	Δ QoQ
1	MSFTMICROSOFT CORP	25,845	$6M	9.8%	HOLD
2	AAPLAPPLE INC	39,764	$5M	8.2%	HOLD
3	USRTISHARES TR	74,418	$4M	5.8%	TRIM −49%
4	LOWLOWES COS INC	14,660	$3M	4.6%	HOLD
5	NKENIKE INC	19,050	$2M	3.5%	HOLD
6	JNJJOHNSON & JOHNSON	11,110	$2M	3.1%	HOLD
7	XOMEXXON MOBIL CORP	16,336	$2M	2.9%	HOLD
8	SPYSTATE STR SPDR S&P 500 ETF T	3,915	$1M	2.4%	HOLD
9	GOOGLALPHABET INC	16,520	$1M	2.3%	HOLD
10	HDHOME DEPOT INC	4,219	$1M	2.1%	HOLD
11	DISDISNEY WALT CO	15,024	$1M	2.1%	HOLD
12	KOCOCA COLA CO	20,500	$1M	2.1%	HOLD
13	DHRDANAHER CORP DEL	4,900	$1M	2.1%	HOLD
14	VOVANGUARD INDEX FDS	6,193	$1M	2.0%	TRIM −6%
15	VVISA INC	5,727	$1M	1.9%	HOLD
16	PPGPPG INDS INC	9,094	$1M	1.8%	TRIM −8%
17	MRKMERCK & CO INC	10,304	$1M	1.8%	HOLD
18	IWSISHARES TR	10,805	$1M	1.8%	TRIM −34%
19	EFGISHARES TR	13,497	$1M	1.8%	HOLD
20	IVWISHARES TR	18,930	$1M	1.8%	TRIM −3%
21	PMPHILIP MORRIS INTL INC	10,500	$1M	1.7%	TRIM −9%
22	PGPROCTER AND GAMBLE CO	6,700	$1M	1.6%	HOLD
23	IVVISHARES TR	2,510	$964,403	1.5%	HOLD
24	PFEPFIZER INC	18,445	$945,122	1.5%	HOLD
25	AMZNAMAZON COM INC	10,880	$913,920	1.4%	HOLD
26	IJRISHARES TR	9,394	$889,069	1.4%	TRIM −5%
27	CVXCHEVRON CORP NEW	4,500	$807,705	1.3%	HOLD
28	JPMJPMORGAN CHASE & CO	5,747	$770,673	1.2%	HOLD
29	IWOISHARES TR	3,513	$753,588	1.2%	TRIM −4%
30	IVEISHARES TR	5,135	$744,934	1.2%	HOLD
31	IWPISHARES TR	8,687	$726,275	1.2%	TRIM −63%
32	UNPUNION PAC CORP	3,400	$704,038	1.1%	HOLD
33	IWFISHARES TR	3,092	$662,524	1.1%	HOLD
34	DLTRDOLLAR TREE INC	4,562	$645,249	1.0%	HOLD
35	IBMINTERNATIONAL BUSINESS MACHS	4,577	$644,854	1.0%	HOLD
36	BRK.BBERKSHIRE HATHAWAY INC DEL	2,000	$617,800	1.0%	HOLD
37	RTXRTX CORPORATION	6,000	$605,520	1.0%	TRIM −10%
38	GOOGALPHABET INC	6,800	$603,364	1.0%	HOLD
39	IWRISHARES TR	8,388	$565,749	0.9%	TRIM −7%
40	MCDMCDONALDS CORP	2,000	$527,060	0.8%	HOLD
41	WMTWALMART INC	3,600	$510,444	0.8%	HOLD
42	NEENEXTERA ENERGY INC	6,061	$506,700	0.8%	HOLD
43	BMYBRISTOL-MYERS SQUIBB CO	7,000	$503,650	0.8%	HOLD
44	VBVANGUARD INDEX FDS	2,534	$465,090	0.7%	TRIM −19%
45	DFUSDIMENSIONAL ETF TRUST	11,084	$461,205	0.7%	HOLD
46	ORCLORACLE CORP	5,400	$441,396	0.7%	HOLD
47	COFCAPITAL ONE FINL CORP	4,666	$433,751	0.7%	HOLD
48	IWBISHARES TR	2,007	$422,520	0.7%	TRIM −11%
49	EFAISHARES TR	6,355	$417,133	0.7%	TRIM −33%
50	PNCPNC FINL SVCS GROUP INC	2,433	$384,268	0.6%	HOLD
51	VTIVANGUARD INDEX FDS	1,983	$379,224	0.6%	HOLD
52	VOOVANGUARD INDEX FDS	1,047	$367,926	0.6%	HOLD
53	EEMISHARES TR	9,525	$360,998	0.6%	HOLD
54	VNQVANGUARD INDEX FDS	4,352	$358,953	0.6%	HOLD
55	AMTAMERICAN TOWER CORP	1,500	$317,790	0.5%	HOLD
56	IWDISHARES TR	1,801	$273,165	0.4%	HOLD
57	BNYBANK NEW YORK MELLON CORP	6,000	$273,120	0.4%	HOLD
58	AOAISHARES TR	4,106	$245,320	0.4%	HOLD
59	IJHISHARES TR	1,004	$242,958	0.4%	HOLD
60	INTCINTEL CORP	8,000	$211,440	0.3%	HOLD
61	WKHSWORKHORSE GROUP INC	27,112	$41,210	0.1%	HOLD

☆SBK Financial, Inc.