Stocks/Funds/CIK 1948632

Citizens Business Bank

long-term holder
Quarterly 13F filings · Latest period 2026-03-31 · CIK 1948632
Assets
$599M
+29.9% YoY
Holdings
134
Lifetime alpha vs market
+0.44% annual
Average hold time
6.7 yr
median 6.3 yr

Quarterly history

Cum return +291% vs S&P +272% · α +18% lifetimeAUM $599M · peak $828MFlow $20M (+3%)2016-062017-122019-062020-122022-062023-122025-062026-03
AUM ($B)fundS&P 500(gap = α)/ Flow in/out

Behavior signals (lifetime)

Dip response
-3.04%
trims when stocks drop
when a holding falls −10%+
Middle response
-1.50%
baseline attrition
Rally response
-3.52%
trims into rallies
when a holding rises +10%+

Top positions · 30

Ticker$ value% portYoYHold time
IWRiShares Russell Mid-Cap $63M10.6%12.3 yr
VEAVanguard FTSE Developed $58M9.7%11.8 yr
NVDANVIDIA Corporation$31M5.2%+60.9%13.0 yr
AVGOBroadcom Inc.$19M3.3%+86.0%6.3 yr
AAPLApple Inc.$19M3.2%+14.7%13.3 yr
PWRQuanta Services, Inc.$15M2.6%+116.2%8.5 yr
PLTRPalantir Technologies In$14M2.3%+73.3%2.3 yr
CVBFCVB Financial Corp.$13M2.2%+8.4%13.5 yr
MSFTMicrosoft Corporation$12M2.1%-0.6%13.5 yr
XPOFXponential Fitness, Inc.$12M2.0%-27.7%0.3 yr
LNGCheniere Energy, Inc.$11M1.8%+23.8%9.0 yr
AMZNAmazon.com, Inc.$11M1.8%+9.5%7.8 yr
EMXCiShares MSCI Emerging Ma$10M1.7%4.8 yr
IWMiShares Russell 2000 ETF$10M1.7%13.5 yr
GOOGLAlphabet Inc.$10M1.7%10.5 yr

Portfolio composition (YoY)

Industry mix
Asset Management31.3%-5.4pp$187M
Semiconductors9.3%+2.0pp$56M
Software - Infrastructure5.7%+0.3pp$34M
Banks - Diversified3.3%-0.4pp$20M
Consumer Electronics3.2%-0.2pp$19M
Drug Manufacturers - General2.8%+0.0pp$17M
Engineering & Construction2.6%+0.7pp$15M
Banks - Regional2.5%-0.6pp$15M
Specialty Retail2.4%+0.1pp$14M
Internet Content & Information2.3%+1.0pp$14M
Country
US99.5%-0.3pp
IE0.4%+0.2pp
NL0.1%
Unknown0.0%
Top 5: 31.9% · Top 10: 43.1% · Top 25: 64.7%

Winners

TickerPrev $PnLYoY %
NVDA$18M+0.01B60.9%
PWR$8M+0.01B116.2%
AVGO$10M+0.01B86.0%
PLTR$11M+0.01B73.3%
GS$6M+0.00B58.1%

Losers

TickerPrev $PnLYoY %
UBER$5M-0.00B-1.3%
MSFT$9M-0.00B-0.6%

Top buys this quarter · 8

XPOF Xponential Fitness, Inc.new+$12M
NFLX Netflix, Inc.+$5M
SHW The Sherwin-Williams Companynew+$4M
ALLE Allegion plcnew+$1M
WSO Watsco, Inc.new+$0M
CVX Chevron Corporation+$0M
VEEV Veeva Systems Inc.+$4M
BROS Dutch Bros Inc.+$4M

Top sells this quarter · 15

GS The Goldman Sachs Group, Inc.$3M
FDX FedEx Corporation$3M
JPM JPMorgan Chase & Co.$2M
GLW Corning Incorporated$1M
NVDA NVIDIA Corporation$1M
AVGO Broadcom Inc.$1M
SPY State Street SPDR S&P 500 ETF $0M
AAPL Apple Inc.$0M
FANG Diamondback Energy, Inc.$6M
MSFT Microsoft Corporation$0M

Quarterly history (TTM returns)

PeriodAUM# PosReturn (1yr)SPY (1yr)Alpha (1yr)Flow
2026-03-31$599M134+28.45%+17.59%+10.85%+0.02B
2025-12-31$594M133+24.76%+17.72%+7.05%-0.01B
2025-09-30$588M146+30.69%+17.52%+13.18%+0.01B
2025-06-30$504M100+21.58%+14.94%+6.64%-0.02B
2025-03-31$461M100+7.35%+8.30%-0.96%-0.05B
2024-12-31$535M105+22.32%+24.89%-2.56%+0.01B
2024-09-30$496M107+27.69%+36.04%-8.35%-0.01B
2024-06-30$473M102+19.54%+24.49%-4.95%-0.01B
2024-03-31$480M107+25.01%+29.62%-4.62%-0.01B
2023-12-31$454M107+17.81%+26.18%-8.36%-0.02B
2023-09-30$426M105+12.89%+21.57%-8.68%-0.02B
2023-06-30$448M108+9.86%+19.42%-9.57%-0.01B
2023-03-31$434M107-7.41%-7.82%+0.40%-0.01B
2022-12-31$437M120-13.19%-18.17%+4.98%-0.00B
2022-09-30$410M118-9.71%-15.51%+5.80%-0.27B
2022-06-30$703M241-6.08%-10.62%+4.54%-0.03B