Verdicts genuinely change. Free email alert the moment BRTNX's does — no target price to set, unlike "Alert" above.
Whether this fund clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
Bretton Fund · PFS FUNDS
20 holdings
NON-COMPLIANT 37.05% of portfolio weight is in non-compliant holdings, over the 5% threshold.
20 holdings, 18 matched (96% of weight). Portfolio as of 2026-06-30, filed 2026-08-25. Source: SEC Form N-PORT.
6.45% of this portfolio’s income is non-permissible — weighted across holdings, computed over 88% of portfolio weight (16 of 20 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.
37.5% compliant 20.1% questionable 37.0% non-compliant 4.3% unscreened
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| GOOG Alphabet Inc. | QUESTIONABLE | 15.92% | AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9% |
| UNH UnitedHealth Group Incorporated | NON_COMPLIANT | 7.13% | AAOIFI20.4% Usmani23.7% Dow Jones Islamic20.4% S&P Shariah18.8% MSCI Islamic23.7% MSCI Islamic M-Series18.8% FTSE Shariah23.7% |
| JPM JPMorgan Chase & Co. | NON_COMPLIANT | 6.21% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| AXP American Express Company | NON_COMPLIANT | 6.18% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| ROST Ross Stores, Inc. | COMPLIANT | 5.84% | AAOIFI6.4% Usmani29.7% Dow Jones Islamic8.5% S&P Shariah9.2% MSCI Islamic29.7% MSCI Islamic M-Series9.2% FTSE Shariah6.4% |
| PGR The Progressive Corporation | NON_COMPLIANT | 5.77% | AAOIFI6.5% Usmani6.7% Dow Jones Islamic6.3% S&P Shariah6.9% MSCI Islamic6.7% MSCI Islamic M-Series6.9% FTSE Shariah6.7% |
| BAC Bank of America Corporation | NON_COMPLIANT | 5.67% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| AZO AutoZone, Inc. | COMPLIANT | 5.05% | AAOIFI25.3% Usmani60.6% Dow Jones Islamic21.8% S&P Shariah22.9% MSCI Islamic60.6% MSCI Islamic M-Series22.9% FTSE Shariah43.3% |
| V Visa Inc. | COMPLIANT | 4.83% | AAOIFI3.5% Usmani25.2% Dow Jones Islamic15.5% S&P Shariah16.7% MSCI Islamic25.2% MSCI Islamic M-Series16.7% FTSE Shariah25.2% |
| MA MasterCard Incorporated | COMPLIANT | 4.46% | AAOIFI4.9% Usmani42.7% Dow Jones Islamic37.5% S&P Shariah40.1% MSCI Islamic42.7% MSCI Islamic M-Series40.1% FTSE Shariah42.7% |
| NVR NVR, Inc. | COMPLIANT | 4.25% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| MSFT Microsoft Corporation | QUESTIONABLE | 4.13% | AAOIFI1.5% Usmani7.5% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic7.5% MSCI Islamic M-Series1.8% FTSE Shariah5.3% |
| EXP Eagle Materials, Inc. | NON_COMPLIANT | 4.11% | AAOIFI30.7% Usmani45.9% Dow Jones Islamic24.2% S&P Shariah24.1% MSCI Islamic45.9% MSCI Islamic M-Series24.1% FTSE Shariah45.0% |
| TJX The TJX Companies, Inc. | COMPLIANT | 3.59% | AAOIFI10.1% Usmani38.6% Dow Jones Islamic9.4% S&P Shariah10.4% MSCI Islamic38.6% MSCI Islamic M-Series10.4% FTSE Shariah7.7% |
| SAP SAP SE | COMPLIANT | 3.41% | AAOIFI3.5% Usmani13.0% Dow Jones Islamic3.1% S&P Shariah3.4% MSCI Islamic10.6% MSCI Islamic M-Series3.4% FTSE Shariah10.6% |
| CSU.TO Constellation Software, Inc. | COMPLIANT | 3.12% | AAOIFI13.2% Usmani38.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic35.8% MSCI Islamic M-Seriespass FTSE Shariah35.8% |
| SPGI S&P Global Inc. | COMPLIANT | 2.99% | AAOIFI10.6% Usmani22.9% Dow Jones Islamic9.4% S&P Shariah9.8% MSCI Islamic22.9% MSCI Islamic M-Series9.8% FTSE Shariah21.9% |
| Dream Finders Homes, Inc. | UNSCREENED | 2.33% | no in-house ratios for this holding |
| BRK.B Berkshire Hathaway Inc. | NON_COMPLIANT | 1.98% | no in-house ratios for this holding |
| Moody's Corporation | UNSCREENED | 1.97% | no in-house ratios for this holding |
The published standards disagree about this fund by 32 points of portfolio weight — 66.2% of it passes AAOIFI, 34.1% passes MSCI Islamic. Which number is yours depends on which standard you follow.
These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.
ratios pass on 66.2% ratios fail on 22.2% 10.5% not rated under AAOIFI
ratios pass on 44.2% ratios fail on 32.7% 22.0% not rated under Usmani
ratios pass on 65.9% ratios fail on 22.5% 10.5% not rated under Dow Jones Islamic
ratios pass on 65.9% ratios fail on 22.5% 10.5% not rated under S&P Shariah
ratios pass on 34.1% ratios fail on 32.7% 32.1% not rated under MSCI Islamic
ratios pass on 65.9% ratios fail on 22.5% 10.5% not rated under MSCI Islamic M-Series
ratios pass on 53.6% ratios fail on 29.1% 16.2% not rated under FTSE Shariah
17 of 20 listed holdings carry our own per-methodology verdicts (93% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none.
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Bretton Fund (BRTNX) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.
HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A holding it cannot cover far enough is reported as unrated rather than counted as a pass.
| Holding | Weight | Verdict |
|---|---|---|
| GOOGAlphabet Inc. | 15.92% | Questionable |
| UNHUnitedHealth Group Incorporated | 7.13% | Non-compliant |
| JPMJPMorgan Chase & Co. | 6.21% | Non-compliant |
| AXPAmerican Express Company | 6.18% | Non-compliant |
| ROSTRoss Stores, Inc. | 5.84% | Compliant |
| PGRThe Progressive Corporation | 5.77% | Non-compliant |
| BACBank of America Corporation | 5.67% | Non-compliant |
| AZOAutoZone, Inc. | 5.05% | Compliant |
| VVisa Inc. | 4.83% | Compliant |
| MAMasterCard Incorporated | 4.46% | Compliant |
Top 10 of 20 holdings, 67.1% of the fund by weight. Every holding is screened, not only these.
The positions keeping this fund short of 100% compliant by weight.
Verdict history for BRTNX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
Tracked since 2026-09-07.
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 60.20 | NEUTRAL |
| Stochastic %K (14) | 97.01 | SELL |
| CCI (20) | 153.78 | SELL |
| Williams %R (14) | -2.99 | SELL |
| MACD (12,26,9) | 0.40 | BUY |
| ROC (10) | 3.45 | BUY |
| Momentum (10) | 2.76 | BUY |
| EMA (10) | 81.69 | BUY |
| SMA (10) | 81.44 | BUY |
| EMA (20) | 81.39 | BUY |
| SMA (20) | 80.75 | BUY |
| EMA (30) | 81.48 | BUY |
| SMA (30) | 81.01 | BUY |
| EMA (50) | 81.70 | BUY |
| SMA (50) | 82.27 | BUY |
| EMA (100) | 81.54 | BUY |
| SMA (100) | 82.06 | BUY |
| EMA (200) | 80.50 | BUY |
| SMA (200) | 80.13 | BUY |
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
The questions worth asking about any verdict on this page, answered plainly.
No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.
It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.
It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.
When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.