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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs
13F HOLDINGS REPORT

HOWARD FINANCIAL SERVICES, LTD.

Quarter ended Q2 2025 · Filed July 2, 2025 · Accession 0001768130-25-000004

Total Value
$760.7M
Positions
183
Other Managers
0
Confidential Omitted
No
View on SEC.gov

Holdings (183)

#IssuerTicker / CUSIPSharesValue% of Filing
1ISHARES TR46432F339496,946$90.9M11.94%
2SCHWAB STRATEGIC TR8085247972,032,073$53.8M7.08%
3VANGUARD SPECIALIZED FUNDS921908844184,727$37.8M4.97%
4INVESCO EXCHANGE TRADED FD TIVZ346,178$37.3M4.90%
5INVESCO EXCHANGE TRADED FD TIVZ198,745$36.1M4.75%
6INVESCO ACTIVELY MANAGED EXCIVZ711,727$33.4M4.39%
7HARTFORD FDS EXCHANGE TRADED41653L305885,861$30.0M3.94%
8WISDOMTREE TRWT334,379$28.0M3.68%
9PGIM ETF TR69344A800664,849$27.8M3.66%
10APPLE INCAAPL132,520$27.2M3.57%
11SPDR SER TR78468R408842,349$21.5M2.82%
12SSGA ACTIVE ETF TR78467V848526,422$21.1M2.78%
13ISHARES TR46434V456441,385$19.1M2.51%
14VANECK ETF TRUST92189F437552,880$16.2M2.13%
15VANGUARD WHITEHALL FDS921946810170,741$15.4M2.02%
16SCHWAB STRATEGIC TR808524755376,251$15.1M1.98%
17SPDR S&P 500 ETF TRSPY23,850$14.7M1.94%
18FIRST TR EXCHANGE TRADED FD33738R506212,224$13.3M1.75%
19NVIDIA CORPORATIONNVDA77,993$12.3M1.62%
20PACER FDS TR69374H857289,065$11.5M1.51%
21WISDOMTREE TRWT304,366$10.5M1.38%
22MICROSOFT CORPMSFT21,050$10.5M1.38%
23INVESCO QQQ TRIVZ17,395$9.6M1.26%
24SCHWAB STRATEGIC TR808524300289,897$8.5M1.11%
25VANECK ETF TRUST92189F64386,295$8.1M1.06%
26FIRST TR EXCH TRADED FD III33739E108397,326$7.1M0.93%
27BERKSHIRE HATHAWAY INC DELBRK-A14,004$6.8M0.89%
28AMAZON COM INCAMZN27,116$5.9M0.78%
29FIRST TR EXCHNG TRADED FD VI33740F805129,043$5.7M0.74%
30CHIPOTLE MEXICAN GRILL INCCMG93,500$5.3M0.69%
31SABINE RTY TR78568810267,814$4.5M0.59%
32ISHARES TR4642872006,520$4.0M0.53%
33BROADCOM INCAVGO14,204$3.9M0.51%
34ENTERPRISE PRODS PARTNERS L293792107115,985$3.6M0.47%
35ENERGY TRANSFER L PET-PI188,309$3.4M0.45%
36VANGUARD INDEX FDS92290876910,887$3.3M0.43%
37LATTICE STRATEGIES TR51841610293,616$3.2M0.42%
38J P MORGAN EXCHANGE TRADED F46641Q83762,870$3.2M0.42%
39VANGUARD BD INDEX FDS92193782739,498$3.1M0.41%
40SCHWAB STRATEGIC TR80852470682,254$2.5M0.33%
41SCHWAB STRATEGIC TR808524805100,163$2.2M0.29%
42EXXON MOBIL CORPXOM19,796$2.1M0.28%
43PEPSICO INCPEP16,103$2.1M0.28%
44PALANTIR TECHNOLOGIES INCPLTR13,487$1.8M0.24%
45TESLA INCTSLA5,757$1.8M0.24%
46JPMORGAN CHASE & CO.VYLD6,064$1.8M0.23%
47MPLX LPMPLXP33,676$1.7M0.23%
48SPDR SER TR78468R66318,326$1.7M0.22%
49ISHARES TR46432F84219,528$1.6M0.21%
50INTERNATIONAL BUSINESS MACHSINTR5,049$1.5M0.20%
51SOUTHSTATE CORPORATIONSSB16,149$1.5M0.20%
52ALPHABET INCGOOG8,383$1.5M0.19%
53SCHWAB CHARLES CORPSCHW-PJ16,000$1.5M0.19%
54TEXAS PACIFIC LAND CORPORATITPL1,350$1.4M0.19%
55MASTERCARD INCORPORATEDMA2,506$1.4M0.19%
56NETFLIX INCNFLX1,018$1.4M0.18%
57META PLATFORMS INCMETA1,783$1.3M0.17%
58BLACK STONE MINERALS L PBSMLP91,882$1.2M0.16%
59J P MORGAN EXCHANGE TRADED F46641Q33220,701$1.2M0.15%
60TAIWAN SEMICONDUCTOR MFG LTD8740391005,023$1.1M0.15%
61SCHWAB STRATEGIC TR80852476336,751$1.1M0.14%
62ONEOK INC NEWOKE12,742$1.0M0.14%
63WALMART INCWMT9,751$953,4700.13%
64DORCHESTER MINERALS LPDMLP34,191$952,5600.13%
65CROWDSTRIKE HLDGS INCCRWD1,862$948,3350.12%
66COSTCO WHSL CORP NEW22160K105943$933,0430.12%
67SPDR INDEX SHS FDS78463X88922,431$908,2180.12%
68PHILIP MORRIS INTL INC7181721094,691$854,2900.11%
69JANUS INTERNATIONAL GROUP INJBI104,926$854,0980.11%
70PROSHARES TR74347X83110,125$840,3750.11%
71CADENCE BANK12740C10325,502$815,5440.11%
72BOOKING HOLDINGS INCBKNG139$804,7040.11%
73GRAHAM HLDGS COGHM838$792,5520.10%
74ALPHABET INCGOOG4,424$784,8500.10%
75VIPER ENERGY INCVNOM20,262$772,5780.10%
76ANNALY CAPITAL MANAGEMENT INNLY-PJ40,489$762,0000.10%
77SOUTHWEST AIRLS CO84474110822,537$731,0860.10%
78BERKSHIRE HATHAWAY INC DELBRK-A1$728,8000.10%
79SPDR GOLD TRGLD2,366$721,2280.09%
80ISHARES INC46434G10311,721$703,5930.09%
81J P MORGAN EXCHANGE TRADED F46654Q20312,315$669,9260.09%
82DIREXION SHS ETF TR25460G1613,028$647,0840.09%
83ISHARES TR46435G4254,745$641,9610.08%
84AGNC INVT CORP00123Q10469,038$634,4550.08%
85CISCO SYS INCCSCO8,968$622,1900.08%
86HOME DEPOT INCHD1,693$620,7090.08%
87CHEVRON CORP NEWCVX4,334$620,5630.08%
88JOHNSON & JOHNSONJNJ3,874$591,7780.08%
89UBER TECHNOLOGIES INCUBER6,042$563,7190.07%
90MERCK & CO INCMRK7,112$562,9600.07%
91NORTHROP GRUMMAN CORPNOC1,110$555,2200.07%
92ISHARES TR4642875078,933$554,0100.07%
93ISHARES TR4642874576,647$550,7810.07%
94ABBVIE INCABBV2,965$550,3370.07%
95VANGUARD INDEX FDS922908363947$538,2060.07%
96TEXAS INSTRS INC8825081042,581$535,9220.07%
97COCA COLA COKO7,571$535,6150.07%
98ISHARES TR46428864610,098$532,7510.07%
99VISA INCV1,469$521,6150.07%
100ISHARES TR4642873094,724$520,1310.07%
101AMGEN INCAMGN1,861$519,7440.07%
102CAVA GROUP INCCAVA6,085$512,5400.07%
103COREWEAVE INCCRWV3,000$489,1800.06%
104SIREN ETF TR8296583016,716$482,5160.06%
105INTUITIVE SURGICAL INCISRG883$479,8310.06%
106SSGA ACTIVE ETF TR78467V60811,480$477,4530.06%
107SPDR SER TR78468R78811,070$469,8200.06%
108INVESCO EXCH TRADED FD TR IIIVZ2,058$467,3670.06%
109MARVELL TECHNOLOGY INCMRVL6,006$464,8780.06%
110ELI LILLY & COLLY592$461,4820.06%
111NORFOLK SOUTHN CORP6558441081,799$460,4900.06%
112ALTRIA GROUP INCMO7,678$450,1680.06%
113BUSINESS FIRST BANCSHARES INBFST18,128$446,8550.06%
114PALO ALTO NETWORKS INCPANW2,174$444,8870.06%
115SPDR SER TR78464A3005,421$432,3990.06%
116AMERICAN EXPRESS COAXP1,352$431,1460.06%
117WESTERN MIDSTREAM PARTNERS LWES10,951$423,8180.06%
118VANGUARD INDEX FDS9229085534,597$409,3780.05%
119SALESFORCE INCCRM1,499$408,7620.05%
120YUM BRANDS INCYUM2,715$402,3090.05%
121MORGAN STANLEYMS-PQ2,853$401,8290.05%
122GE VERNOVA INCGEV752$398,0000.05%
123INTEL CORPINTC17,725$397,0400.05%
124ISHARES GOLD TRIAU6,358$396,4850.05%
125BANK AMERICA CORP0605051048,303$392,9170.05%
126NXP SEMICONDUCTORS N VNXPI1,768$386,2900.05%
127MANAGED PORTFOLIO SERIES56167N72010,726$383,2280.05%
128VANGUARD INDEX FDS9229086521,961$377,8780.05%
129DIREXION SHS ETF TR25459W7308,000$360,4800.05%
130SELECT SECTOR SPDR TR81369Y8031,410$357,1140.05%
131DIREXION SHS ETF TR25459Y2073,553$349,2730.05%
132GE AEROSPACE3696043011,326$341,3430.04%
133ALIBABA GROUP HLDG LTDBBAAY3,006$340,9100.04%
134RBB FD INC74933W6014,969$320,5670.04%
135ORACLE CORPORCL-PD1,461$319,4590.04%
136FIRST TR EXCHANGE-TRADED FD33738D1018,170$306,4440.04%
137ASTRAZENECA PLCAZN4,240$296,3000.04%
138ABBOTT LABSABLZF2,159$293,5840.04%
139EQT CORPEQT4,965$289,5590.04%
140CONOCOPHILLIPSCOP3,219$288,9170.04%
141BLACKSTONE INCBX1,931$288,8510.04%
142SELECT SECTOR SPDR TR81369Y5063,383$286,9300.04%
143GANNETT CO INCTDAY80,000$286,4000.04%
144CHEWY INCCHWY6,712$286,0650.04%
145PROCTER AND GAMBLE CO7427181091,771$282,0970.04%
146VANGUARD WORLD FD92204A702416$275,9260.04%
147ISHARES TR464287614649$275,5800.04%
148TWO HBRS INVT CORP90187B80425,477$274,3890.04%
149NEXTERA ENERGY INCNEE-PW3,869$268,5650.04%
150GOLDMAN SACHS GROUP INCGSCE368$260,2270.03%
151JOHNSON OUTDOORS INCJOUT8,276$250,5270.03%
152MICROSTRATEGY INCSTRK619$250,2180.03%
153INVESCO EXCHANGE TRADED FD TIVZ3,336$248,4730.03%
154GRAYSCALE ETHEREUM TRUST ETF38963810711,850$247,1910.03%
155VANECK ETF TRUST92189F676885$246,9400.03%
156AUTOMATIC DATA PROCESSING INADP800$246,7740.03%
157DIREXION SHS ETF TR25460G11231,000$244,5900.03%
158INVESCO EXCHANGE TRADED FD TIVZ1,663$235,6140.03%
159OKLO INCOKLO4,175$233,7580.03%
160NORTHERN OIL & GAS INCNOG8,214$232,8670.03%
161MICRON TECHNOLOGY INCMU1,879$231,5930.03%
162VERIZON COMMUNICATIONS INCVZ5,274$228,2210.03%
163BRINKER INTL INC1096411001,264$227,9370.03%
164ISHARES TR4642875152,038$223,1670.03%
165ISHARES TR46434V4641,043$220,9280.03%
166ISHARES TR4642888103,478$217,8880.03%
167ISHARES INC46434G7643,430$216,5940.03%
168WELLS FARGO CO NEW9497461012,662$213,2880.03%
169BOEING COBA-PA1,004$210,3680.03%
170UNION PAC CORPUNP909$209,1700.03%
171UNITED PARCEL SERVICE INCUPS2,040$205,9170.03%
172ISHARES TR4642886791,856$204,9670.03%
173VANECK ETF TRUST92189F1063,896$202,8180.03%
174HANESBRANDS INC41034510242,268$193,5870.03%
175STAR HLDGSSTHO24,129$188,4470.02%
176KIMBELL RTY PARTNERS LP49435R10212,760$178,1300.02%
177EZCORP INCEZPW10,000$138,8000.02%
178PERMROCK ROYALTY TRUSTPRT28,741$118,9880.02%
179ELEDON PHARMACEUTICALS INCELDN30,000$81,3000.01%
180ZJK INDL CO. LTD.G98Y9E10212,500$48,6250.01%
181CONDUENT INCCNDT10,000$26,4000.00%
182PROMIS NEUROSCIENCES INCPMN26,042$12,5990.00%
183RWT HLDGS INC749772AD110,000$9,9580.00%