First Citizens Financial Corp

CIK 0001800597 · Q1 2026

13F Equity AUM

$211.8M

+4.6% QoQ

Positions

135

+8 QoQ

AUM Rank

#7,167

Top 58%

Skill Alpha (FF)

-2.5%/yr

Underperformer

Rank #5,810 · Top 71%

vs S&P -5.6%/yr (unadj.)

Quarters Tracked

~6 years

Portfolio Concentration

Top 5: 20.9%Top 10: 33.6%Top 20: 52.5%

IYW7.7%

EFA3.5%

IJK3.5%

IJJ3.2%

IYF3.0%

IYH2.7%

AAPL2.6%

JPST2.6%

VTI2.5%

IYJ2.3%

Others (125)66.4%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services79.9%

Technology6.3%

Industrials4.2%

Healthcare3.2%

Consumer Cyclical2.2%

Other4.1%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 135Median: 0.36%Avg: 0.74%

0–0.5%

82(19.4%)

0.5–1%

23(16.4%)

1–3%

25(43.4%)

3–5%

4(13.2%)

5%+

1(7.7%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 131Unique: 4vs 20 funds

1.8%Low

135

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

JPMORGAN CHASE & CO

2.7%

MORGAN STANLEY

2.4%

BANK OF AMERICA CORP /DE/

2.7%

FMR LLC

3.9%

BlackRock, Inc.

2.6%

STATE STREET CORP

2.2%

VANGUARD CAPITAL MANAGEMENT LLC

1.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

2.2%

GEODE CAPITAL MANAGEMENT, LLC

1.8%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New9Increased55Decreased46Exited1

New Positions

NEE0.1%

+3K

CSPF0.1%

+11K

WMT0.1%

+2K

CHV0.1%

+1K

GILD0.1%

+2K

MTB0.1%

+1K

PWR0.1%

+367

XLU0.1%

+5K

MO0.1%

+3K

Increased

JPST2.6%

+63K(+138%)

NEAR1.7%

+33K(+83%)

PULS1.5%

+32K(+102%)

PYLD1.0%

+26K(+47%)

JPIE1.6%

+15K(+26%)

PHYL1.1%

+13K(+26%)

PTRB1.0%

+11K(+27%)

DYNF0.9%

+6K(+20%)

EMGF0.7%

+4K(+19%)

QUAL2.1%

+3K(+17%)

Decreased

JPIB0.4%

-3,862(-19%)

EFA3.5%

-2,689(-3%)

PREF0.5%

-1,957(-3%)

FLCB0.2%

-1,201(-5%)

BRK/B2.3%

-1,180(-11%)

IYR0.8%

-812(-4%)

VWO0.9%

-767(-2%)

IYH2.7%

-737(-1%)

NDQ1.2%

-720(-14%)

BND0.3%

-688(-8%)

Exited

BIT

-15,603

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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