Mustard Seed Financial, LLC

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CIK 2011321

13F portfolio (2026-Q1)

$167M

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 2025-Q4. 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 (2026-Q1)

Holdings

Top 5

35.4%

Top 10

55.0%

Effective N

25.3

HHI

0.040

This quarter

8 new · 0 exit →

By sector

Unclassified81.5%

Information Technology4.8%

Consumer Discretionary4.4%

Energy2.5%

Health Care2.0%

Financials1.7%

Materials1.4%

Communication Services0.8%

Other0.9%

By market cap

Unknown81.9%

Mega (>$200B)13.9%

Large ($10–200B)2.9%

Mid ($2–10B)1.1%

Small ($300M–2B)0.2%

By region

Other81.5%

North America18.5%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	81.72%	55
Specialty Retail	4.41%	5
Semiconductors & Semiconductor Equipment	2.70%	3
Oil, Gas & Consumable Fuels	2.54%	3
Pharmaceuticals & Biotechnology	1.97%	4
Chemicals	1.33%	3
Technology Hardware & Equipment	1.24%	1
Banks	1.17%	3
Software	0.76%	2
Software & IT Services	0.50%	2
Insurance	0.30%	2
Beverages	0.29%	1
Utilities	0.18%	1
Media & Entertainment	0.17%	1
Road & Rail	0.15%	1
Diversified Telecommunication Services	0.14%	1
Construction & Engineering	0.13%	1
Electrical Equipment & Components	0.12%	1
Machinery	0.12%	1
Metals & Mining	0.06%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	BSV	VANGUARD BD INDEX FDS	Unclassified	9.60%
2	VCSH	VANGUARD SCOTTSDALE FDS	Unclassified	8.66%
3	VUG	VANGUARD INDEX FDS	Unclassified	6.18%
4	BIV	VANGUARD BD INDEX FDS	Unclassified	6.15%
5	DFLV	DIMENSIONAL ETF TRUST	Unclassified	4.77%
6	VTV	VANGUARD INDEX FDS	Unclassified	4.44%
7	VTEB	VANGUARD MUN BD FDS	Unclassified	4.42%
8	DFAI	DIMENSIONAL ETF TRUST	Unclassified	3.93%
9	VXUS	VANGUARD STAR FDS	Unclassified	3.77%
10	WMT	Walmart Inc.	Consumer Discretionary	3.08%

38/92 names classified · sector 18.5% of weight · industry 18.3% · mkt cap 18.1%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 10 quarters

Information TechnologyNVDA, AAPL, MSFT, ORCL, INTC · other

Consumer DiscretionaryWMT, MUSA, AMZN, MCD, ROST · other

Health CareLLY, ABBV, ABT, JNJ, MRK

EnergyXOM, MUR, CVX, VLO

FinancialsSFNC, OZK, JPM, UNH, HBAN · other

MaterialsPG, CLF, SLI, ALB

Communication ServicesNFLX, GOOGL, GOOG, META, T

IndustrialsCAT, JBHT, XYL, PWR

Consumer Staples

Utilities

UnclassifiedBSV, VCSH, BIV, VUG, VTV · 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: 18.5% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 18% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (34 classified)Mustard Seed Financial, LLC centroid (Large Core)

Information TechnologyConsumer DiscretionaryEnergyHealth CareFinancialsMaterialsCommunication ServicesIndustrialsConsumer StaplesUtilities

Style box summary for Mustard Seed Financial, LLC: centroid Large Core. Heaviest cells: Large Growth 9.4%, Large Value 4.5%, Small Value 1.9%.

Classified: 17.9% of book weight (34/92 names) · unclassified 82.1%: BSV, VCSH, VUG, BIV, DFLV, VTV, VTEB, DFAI, VXUS, VOE +48 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· 92 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	BSVVANGUARD BD INDEX FDS	204,233	$16M	9.6%	HOLD
2	VCSHVANGUARD SCOTTSDALE FDS	182,355	$14M	8.7%	ADD 4%
3	VUGVANGUARD INDEX FDS	23,599	$10M	6.2%	ADD 6%
4	BIVVANGUARD BD INDEX FDS	133,068	$10M	6.2%	ADD 5%
5	DFLVDIMENSIONAL ETF TRUST	222,848	$8M	4.8%	ADD 11%
6	VTVVANGUARD INDEX FDS	37,774	$7M	4.4%	TRIM −2%
7	VTEBVANGUARD MUN BD FDS	147,764	$7M	4.4%	ADD 14%
8	DFAIDIMENSIONAL ETF TRUST	168,266	$7M	3.9%	ADD 5%
9	VXUSVANGUARD STAR FDS	81,690	$6M	3.8%	HOLD
10	WMTWALMART INC	41,310	$5M	3.1%	HOLD
11	VOEVANGUARD INDEX FDS	24,508	$5M	2.7%	HOLD
12	VUSBVANGUARD BD INDEX FDS	80,011	$4M	2.4%	ADD 52%
13	NVDANVIDIA CORPORATION	22,666	$4M	2.4%	HOLD
14	DFSDDIMENSIONAL ETF TRUST	63,337	$3M	1.8%	ADD 48%
15	DFAEDIMENSIONAL ETF TRUST	88,613	$3M	1.8%	HOLD
16	XOMEXXON MOBIL CORP	17,465	$3M	1.8%	TRIM −3%
17	VOTVANGUARD INDEX FDS	11,201	$3M	1.7%	ADD 4%
18	VBKVANGUARD INDEX FDS	8,307	$3M	1.5%	ADD 4%
19	VBRVANGUARD INDEX FDS	10,195	$2M	1.3%	TRIM −8%
20	DFSVDIMENSIONAL ETF TRUST	59,679	$2M	1.3%	ADD 12%
21	AAPLAPPLE INC	8,123	$2M	1.2%	HOLD
22	VVVANGUARD INDEX FDS	6,172	$2M	1.1%	HOLD
23	PGPROCTER AND GAMBLE CO	11,117	$2M	1.0%	TRIM −4%
24	VBVANGUARD INDEX FDS	5,740	$2M	0.9%	ADD 6%
25	VOVANGUARD INDEX FDS	4,886	$1M	0.8%	TRIM −5%
26	VTIPVANGUARD MALVERN FDS	27,235	$1M	0.8%	ADD 12%
27	ABBVABBVIE INC	5,790	$1M	0.8%	HOLD
28	VOOVANGUARD INDEX FDS	2,033	$1M	0.7%	HOLD
29	MUSAMURPHY USA INC	2,437	$1M	0.7%	TRIM −3%
30	LLYELI LILLY & CO	1,306	$1M	0.7%	HOLD
31	DFAWDIMENSIONAL ETF TRUST	15,860	$1M	0.7%	ADD 9%
32	DFUVDIMENSIONAL ETF TRUST	22,675	$1M	0.7%	HOLD
33	DFUSDIMENSIONAL ETF TRUST	14,447	$1M	0.6%	ADD 8%
34	FBTCFIDELITY WISE ORIGIN BITCOIN	16,494	$973,641	0.6%	ADD 3%
35	ARKBARK 21SHARES BITCOIN ETF	42,568	$957,355	0.6%	HOLD
36	DUSBDIMENSIONAL ETF TRUST	17,990	$912,273	0.5%	NEW
37	VNQVANGUARD INDEX FDS	10,272	$911,107	0.5%	HOLD
38	HBANHUNTINGTON BANCSHARES INC	57,356	$897,622	0.5%	NEW
39	MURMURPHY OIL CORP	21,448	$884,726	0.5%	TRIM −7%
40	DFIVDIMENSIONAL ETF TRUST	16,324	$861,598	0.5%	TRIM −9%
41	VWOVANGUARD INTL EQUITY INDEX F	15,759	$851,787	0.5%	TRIM −5%
42	VTVANGUARD INTL EQUITY INDEX F	5,900	$816,129	0.5%	HOLD
43	MSFTMICROSOFT CORP	2,081	$770,324	0.5%	TRIM −5%
44	DFICDIMENSIONAL ETF TRUST	19,096	$678,481	0.4%	TRIM −3%
45	SFNCSIMMONS FIRST NATL CORP	34,352	$668,147	0.4%	HOLD
46	VYMVANGUARD WHITEHALL FDS	4,253	$629,870	0.4%	TRIM −13%
47	VEAVANGUARD TAX-MANAGED FDS	9,284	$594,899	0.4%	TRIM −5%
48	SPSBSPDR SERIES TRUST	17,548	$527,668	0.3%	ADD 3%
49	AMZNAMAZON COM INC	2,445	$509,249	0.3%	HOLD
50	ABTABBOTT LABS	4,935	$506,677	0.3%	HOLD
51	ORCLORACLE CORP	3,397	$499,788	0.3%	HOLD
52	PEPPEPSICO INC	3,121	$484,661	0.3%	TRIM −13%
53	GOOGALPHABET INC	1,581	$453,470	0.3%	HOLD
54	RSPINVESCO EXCHANGE TRADED FD T	2,348	$450,629	0.3%	HOLD
55	OZKBANK OZK LITTLE ROCK ARK	9,612	$441,094	0.3%	HOLD
56	DFEMDIMENSIONAL ETF TRUST	12,082	$417,434	0.3%	HOLD
57	VGTVANGUARD WORLD FD	594	$414,602	0.2%	HOLD
58	CVXCHEVRON CORP NEW	1,911	$395,386	0.2%	HOLD
59	BNDVANGUARD BD INDEX FDS	5,218	$384,236	0.2%	TRIM −4%
60	JPMJPMORGAN CHASE & CO	1,287	$378,524	0.2%	HOLD
61	DFASDIMENSIONAL ETF TRUST	5,261	$374,224	0.2%	HOLD
62	GOOGLALPHABET INC	1,300	$373,828	0.2%	HOLD
63	SPYSTATE STR SPDR S&P 500 ETF T	553	$359,654	0.2%	ADD 7%
64	VFHVANGUARD WORLD FD	2,800	$338,268	0.2%	HOLD
65	SPYGSPDR SERIES TRUST STATE STREET SPD	3,412	$334,040	0.2%	ADD 10%
66	SLISTANDARD LITHIUM LTD	97,753	$333,338	0.2%	ADD 6%
67	DFATDIMENSIONAL ETF TRUST	5,204	$325,020	0.2%	HOLD
68	VIGVANGUARD SPECIALIZED FUNDS	1,474	$317,012	0.2%	HOLD
69	JNJJOHNSON & JOHNSON	1,295	$316,555	0.2%	HOLD
70	TXNTEXAS INSTRS INC	1,613	$313,148	0.2%	HOLD
71	ETRENTERGY CORP NEW	2,744	$308,301	0.2%	ADD 7%
72	VCITVANGUARD SCOTTSDALE FDS	3,683	$304,769	0.2%	HOLD
73	ROSTROSS STORES INC	1,400	$303,282	0.2%	HOLD
74	XLESELECT SECTOR SPDR TR	4,745	$290,693	0.2%	NEW
75	ALBALBEMARLE CORP	1,588	$285,054	0.2%	TRIM −18%
76	NFLXNETFLIX INC	2,920	$280,758	0.2%	HOLD
77	UNHUNITEDHEALTH GROUP INC	970	$262,473	0.2%	NEW
78	DCORDIMENSIONAL ETF TRUST	3,537	$254,952	0.2%	HOLD
79	JBHTHUNT J B TRANS SVCS INC	1,200	$254,280	0.2%	HOLD
80	SPYVSPDR SERIES TRUST	4,422	$250,220	0.1%	ADD 8%
81	VDEVANGUARD WORLD FD	1,395	$241,319	0.1%	NEW
82	MFCMANULIFE FINL CORP	6,940	$239,014	0.1%	HOLD
83	TAT&T INC	8,206	$237,888	0.1%	HOLD
84	INTCINTEL CORP	5,310	$234,331	0.1%	NEW
85	QQQINVESCO QQQ TR	402	$232,027	0.1%	TRIM −5%
86	VTIVANGUARD INDEX FDS	719	$230,663	0.1%	HOLD
87	PWRQUANTA SVCS INC	402	$220,707	0.1%	NEW
88	GEGE AEROSPACE	735	$208,571	0.1%	TRIM −7%
89	XYLXYLEM INC	1,704	$203,630	0.1%	HOLD
90	DDSDILLARDS INC	355	$203,100	0.1%	HOLD
91	GLDSPDR GOLD TR	465	$200,085	0.1%	NEW
92	CLFCLEVELAND-CLIFFS INC NEW	11,453	$96,780	0.1%	HOLD

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

BSVVANGUARD BD INDEX FDS

199K

197K

198K

196K

201K

204K

$16M

VCSHVANGUARD SCOTTSDALE FDS

96K

104K

115K

153K

175K

182K

$14M

VUGVANGUARD INDEX FDS

17K

18K

21K

22K

24K

$10M

BIVVANGUARD BD INDEX FDS

112K

123K

128K

129K

127K

133K

$10M

DFLVDIMENSIONAL ETF TRUST

142K

152K

169K

184K

202K

223K

$8M

VTVVANGUARD INDEX FDS

38K

39K

38K

$7M

VTEBVANGUARD MUN BD FDS

59K

68K

93K

126K

130K

148K

$7M

DFAIDIMENSIONAL ETF TRUST

122K

127K

142K

148K

160K

168K

$7M

VXUSVANGUARD STAR FDS

83K

84K

83K

82K

$6M

WMTWALMART INC

44K

42K

41K

$5M

VOEVANGUARD INDEX FDS

22K

23K

24K

25K

$5M

VUSBVANGUARD BD INDEX FDS

—

31K

53K

80K

$4M

NVDANVIDIA CORPORATION

29K

23K

$4M

DFSDDIMENSIONAL ETF TRUST

—

27K

43K

63K

$3M

DFAEDIMENSIONAL ETF TRUST

67K

69K

77K

81K

87K

89K

$3M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

☆Mustard Seed Financial, LLC