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MI

M3F Inc Portfolio holdings

AUM $422M
1-Year Est. Return 42.84%
This Fund
S&P 500
This Quarter Est. Return
+21.55%
1 Year Est. Return
+42.84%
3 Year Est. Return
+176.29%
5 Year Est. Return
+178.91%
10 Year Est. Return
+493.96%
AUM
$422M
AUM Growth
+$18.7M
Cap. Flow
-$52.2M
Cap. Flow %
-12.36%
Top 10 Hldgs %
85.5%
Holding
30
New
2
Increased
6
Reduced
11
Closed
8

Top Buys

Rank Stock Value
1
OPFI icon
OppFi
OPFI
+$6.62M
2
GDOT icon
Green Dot
GDOT
+$5.83M
3
FNRN
First Northern Community Bancorp
FNRN
+$4.27M
4
ASLE icon
AerSale
ASLE
+$2.98M
5
NFBK
Northfield Bancorp
NFBK
+$1.32M

Top Sells

Rank Stock Value
1
SWKH
SWK Holdings
SWKH
+$16.9M
2
BHF icon
Brighthouse Financial
BHF
+$16.8M
3
RBKB icon
Rhinebeck Bancorp
RBKB
+$7.4M
4
PDLB icon
Ponce Financial Group
PDLB
+$5.58M
5
AER icon
AerCap
AER
+$5.11M

Sector Composition

Rank Sector Weight
1 Financials 50.5%
2 Industrials 49.5%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
WLFC icon
1
Willis Lease Finance
WLFC
$1.17B
$151M 35.88%
1,985,994
-45,750
-2% -$2.99M
PDLB icon
2
Ponce Financial Group
PDLB
$496M
$33.9M 8.02%
1,698,960
-305,000
-15% -$5.58M
PBFS icon
3
Pioneer Bancorp
PBFS
$436M
$31.1M 7.37%
1,821,973
-250,000
-12% -$3.8M
AER icon
4
AerCap
AER
$23B
$29.4M 6.98%
202,000
-36,000
-15% -$5.11M
ASLE icon
5
AerSale
ASLE
$269M
$28.1M 6.65%
4,439,008
+455,376
+11% +$2.98M
NODK icon
6
NI Holdings
NODK
$313M
$24.4M 5.78%
1,552,020
-100,000
-6% -$1.4M
SNFCA icon
7
Security National Financial
SNFCA
$231M
$20.4M 4.84%
2,214,080
-94,500
-4% -$865K
GDOT icon
8
Green Dot
GDOT
$758M
$16.4M 3.89%
1,214,680
+465,874
+62% +$5.83M
ALRS icon
9
Alerus Financial
ALRS
$832M
$13M 3.07%
417,108
– –
NFBK
10
DELISTED
Northfield Bancorp
NFBK
$12.8M 3.03%
869,575
+92,945
+12% +$1.32M
RBKB icon
11
Rhinebeck Bancorp
RBKB
$200M
$9.56M 2.26%
552,076
-458,344
-45% -$7.4M
PKBK icon
12
Parke Bancorp
PKBK
$400M
$9.37M 2.22%
282,593
-50,283
-15% -$1.54M
OPFI icon
13
OppFi
OPFI
$624M
$7.59M 1.8%
+764,445
New +$6.62M
CBFV icon
14
CB Financial Services
CBFV
$191M
$6.51M 1.54%
171,696
+257
+0.1% +$9.16K
BYFC icon
15
Broadway Financial
BYFC
$112M
$5.29M 1.25%
547,529
+72,844
+15% +$663K
MGYR icon
16
Magyar Bancorp
MGYR
$126M
$5M 1.18%
286,394
+2,500
+0.9% +$43.7K
SSBI icon
17
Summit State Bank
SSBI
$85.7M
$4.8M 1.14%
354,229
– –
FNRN
18
First Northern Community Bancorp
FNRN
$284M
$4.39M 1.04%
+244,872
New +$4.27M
PROV icon
19
Provident Financial
PROV
$116M
$4.11M 0.97%
239,094
-45,500
-16% -$774K
BSBK icon
20
Bogota Financial
BSBK
$115M
$3.83M 0.91%
423,562
-70,170
-14% -$608K
WASH icon
21
Washington Trust Bancorp
WASH
$758M
$700K 0.17%
19,199
-147,286
-88% -$4.92M
SHFS icon
22
SHF Holdings
SHFS
$1.95M
$74K 0.02%
308,000
– –
AL
23
DELISTED
Air Lease Corp
AL
– –
-39,051
Closed -$2.54M
AUBN icon
24
Auburn National Bancorp
AUBN
$92.5M
– –
-9,151
Closed -$218K
BHF icon
25
Brighthouse Financial
BHF
$3.09B
– –
-280,000
Closed -$16.8M
1
2

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M3F Inc's Q2 2026 Portfolio in Review

As of Q2 2026, M3F Inc held 30 positions worth $422M, up 4.6% from $404M the previous quarter. Its ten largest holdings account for 85% of the portfolio.

M3F Inc withdrew a net $52.2M in Q2 2026, closing 8 positions and reducing 11 holdings. Its most notable exit was SWK Holdings, an estimated $16.9M position sold in full.

By sector, the portfolio is most concentrated in Financials at 51% of assets, down from 57% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in OppFi worth $7.59M.

  • M3F Inc's largest Q2 2026 buy was OppFi: 764,445 shares worth $7.59M.
  • M3F Inc added most to Green Dot in Q2 2026, an estimated $5.83M increase.
  • M3F Inc's biggest Q2 2026 reduction was Rhinebeck Bancorp, cutting an estimated $7.4M.
  • M3F Inc fully exited SWK Holdings in Q2 2026, selling an estimated $16.9M.
  • M3F Inc's ten largest holdings make up 85% of its $422M portfolio in Q2 2026.
  • M3F Inc opened 2 new positions and closed 8 in Q2 2026.
  • M3F Inc's portfolio value rose 4.6% quarter-over-quarter to $422M.

Based on M3F Inc's 13F filing for Q2 2026, filed 13 Aug 2026.