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MI

M3F Inc Portfolio holdings

AUM $404M
1-Year Est. Return 17.61%
This Fund
S&P 500
This Quarter Est. Return
+3.89%
1 Year Est. Return
+17.61%
3 Year Est. Return
+145.52%
5 Year Est. Return
+146.16%
10 Year Est. Return
+405.65%
AUM
$298M
AUM Growth
-$7.22M
Cap. Flow
-$17.5M
Cap. Flow %
-5.86%
Top 10 Hldgs %
46.18%
Holding
53
New
1
Increased
20
Reduced
16
Closed
9

Top Buys

Rank Stock Value
1
SWKH
SWK Holdings
SWKH
+$3.05M
2
EBC icon
Eastern Bankshares
EBC
+$2.52M
3
HTLF
Heartland Financial USA, Inc.
HTLF
+$1.42M
4
TSBK icon
Timberland Bancorp
TSBK
+$1.42M
5
BFIN
BankFinancial
BFIN
+$1.02M

Top Sells

Rank Stock Value
1
FFNW
First Financial Northwest, Inc
FFNW
+$4.75M
2
BRKL
Brookline Bancorp
BRKL
+$4.62M
3
HTB
HomeTrust Bancshares
HTB
+$3.03M
4
PWOD
Penns Woods Bancorp
PWOD
+$2.44M
5
ESXB
Community Bankers Trust Corporation
ESXB
+$2.27M

Sector Composition

Rank Sector Weight
1 Financials 94.6%
2 Industrials 5.4%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
OVLY icon
26
Oak Valley Bancorp
OVLY
$284M
$5.04M 1.69%
289,885
+1,867
+0.6% +$32.9K
EBTC
27
DELISTED
Enterprise Bancorp
EBTC
$4.78M 1.6%
106,342
-27,388
-20% -$1.09M
HTLF
28
DELISTED
Heartland Financial USA, Inc.
HTLF
$4.69M 1.57%
92,590
+28,226
+44% +$1.42M
RNDB
29
DELISTED
Randolph Bancorp, Inc. Common Stock
RNDB
$4.54M 1.52%
190,399
-7,117
-4% -$169K
RMBI icon
30
Richmond Mutual Bancorp
RMBI
$249M
$4.08M 1.37%
254,117
– –
ASRV icon
31
AmeriServ Financial
ASRV
$76.3M
$3.88M 1.3%
1,005,267
+14,267
+1% +$55.2K
ICCH
32
DELISTED
ICC Holdings, Inc.
ICCH
$3.87M 1.3%
230,943
– –
SFBC
33
Sound Financial Bancorp
SFBC
$105M
$3.31M 1.11%
75,298
-5,322
-7% -$230K
GBNY
34
DELISTED
Generations Bancorp NY, Inc. Common Stock
GBNY
$2.86M 0.96%
240,268
-548
-0.2% -$6.38K
BCOW
35
DELISTED
1895 Bancorp of Wisconsin
BCOW
$2.69M 0.9%
245,075
– –
CWBC
36
DELISTED
Community West BanCshares
CWBC
$2.19M 0.73%
163,168
+1,591
+1% +$20.8K
PBIP
37
DELISTED
Prudential Bancorp, Inc.
PBIP
$2M 0.67%
147,240
+24,935
+20% +$360K
BCBP icon
38
BCB Bancorp
BCBP
$179M
$1.59M 0.53%
102,847
– –
PBHC icon
39
Pathfinder Bancorp
PBHC
$100M
$1.17M 0.39%
68,113
– –
FSEA icon
40
First Seacoast Bancorp
FSEA
$79.5M
$1.1M 0.37%
86,153
+62,028
+257% +$741K
HWBK icon
41
Hawthorn Bancshares
HWBK
$267M
$1.09M 0.37%
45,413
-5,054
-10% -$114K
FNWB icon
42
First Northwest Bancorp
FNWB
$114M
$885K 0.3%
43,790
-99,279
-69% -$1.84M
PKBK icon
43
Parke Bancorp
PKBK
$397M
$856K 0.29%
+40,207
New +$878K
FUNC icon
44
First United
FUNC
$289M
$499K 0.17%
26,598
-36,928
-58% -$705K
BRKL
45
DELISTED
Brookline Bancorp
BRKL
– –
-302,910
Closed -$4.62M
CHMG icon
46
Chemung Financial Corp
CHMG
$394M
– –
-42,512
Closed -$1.93M
COFS icon
47
Choiceone Financial
COFS
$514M
– –
-26,634
Closed -$659K
HBCP icon
48
Home Bancorp
HBCP
$558M
– –
-21,388
Closed -$827K
NWFL icon
49
Norwood Financial Corp
NWFL
$366M
– –
-19,459
Closed -$496K
PWOD
50
DELISTED
Penns Woods Bancorp
PWOD
– –
-102,043
Closed -$2.44M
1
2
3

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M3F Inc's Q4 2021 Portfolio in Review

As of Q4 2021, M3F Inc held 53 positions worth $298M, down 2.4% from $305M the previous quarter. Its ten largest holdings account for 46% of the portfolio.

M3F Inc withdrew a net $17.5M in Q4 2021, closing 9 positions and reducing 16 holdings. Its most notable exit was First Financial Northwest, Inc, an estimated $4.75M position sold in full.

By sector, the portfolio is most concentrated in Financials at 95% of assets, up from 94% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in Parke Bancorp worth $856K.

  • M3F Inc's largest Q4 2021 buy was Parke Bancorp: 40,207 shares worth $856K.
  • M3F Inc added most to SWK Holdings in Q4 2021, an estimated $3.05M increase.
  • M3F Inc's biggest Q4 2021 reduction was HomeTrust Bancshares, cutting an estimated $3.03M.
  • M3F Inc fully exited First Financial Northwest, Inc in Q4 2021, selling an estimated $4.75M.
  • M3F Inc's ten largest holdings make up 46% of its $298M portfolio in Q4 2021.
  • M3F Inc opened 1 new position and closed 9 in Q4 2021.
  • M3F Inc's portfolio value fell 2.4% quarter-over-quarter to $298M.

Based on M3F Inc's 13F filing for Q4 2021, filed 11 Feb 2022.