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M3F Inc Portfolio holdings

AUM $404M
1-Year Est. Return 17.61%
This Fund
S&P 500
This Quarter Est. Return
+17.01%
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
$315M
AUM Growth
+$15.7M
Cap. Flow
-$28.9M
Cap. Flow %
-9.18%
Top 10 Hldgs %
58.86%
Holding
43
New
1
Increased
11
Reduced
22
Closed
6

Top Buys

Rank Stock Value
1
MTB icon
M&T Bank
MTB
+$1.76M
2
RBKB icon
Rhinebeck Bancorp
RBKB
+$676K
3
CPBI icon
Central Plains Bancshares
CPBI
+$635K
4
PBFS icon
Pioneer Bancorp
PBFS
+$521K
5
NODK icon
NI Holdings
NODK
+$479K

Top Sells

Rank Stock Value
1
NECB icon
Northeast Community Bancorp
NECB
+$6.75M
2
EBC icon
Eastern Bankshares
EBC
+$5.74M
3
NWLI
National Western Life Group, Inc. Class A
NWLI
+$4.54M
4
BHRB icon
Burke & Herbert Financial Services Corp
BHRB
+$2.47M
5
CWBC
Community West BanCshares
CWBC
+$1.77M

Sector Composition

Rank Sector Weight
1 Financials 90.27%
2 Industrials 9.73%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
CWBC
26
DELISTED
Community West BanCshares
CWBC
$3.93M 1.25%
226,133
-126,946
-36% -$1.77M
SFBC
27
Sound Financial Bancorp
SFBC
$105M
$3.81M 1.21%
97,831
-37,042
-27% -$1.37M
ISTR icon
28
Investar Holding Corp
ISTR
$411M
$3.33M 1.06%
223,187
-101,083
-31% -$1.15M
FSEA icon
29
First Seacoast Bancorp
FSEA
$79.5M
$3.17M 1%
411,625
+7,499
+2% +$51.4K
EBTC
30
DELISTED
Enterprise Bancorp
EBTC
$2.83M 0.9%
87,670
-22,740
-21% -$639K
ICCH
31
DELISTED
ICC Holdings, Inc.
ICCH
$1.56M 0.5%
102,037
– –
SRBK icon
32
SR Bancorp
SRBK
$141M
$1.46M 0.46%
153,115
+19,547
+15% +$175K
LSBK icon
33
Lake Shore Bancorp
LSBK
$135M
$1.2M 0.38%
102,251
-9,527
-9% -$101K
PBHC icon
34
Pathfinder Bancorp
PBHC
$100M
$1.08M 0.34%
77,265
-4,201
-5% -$56.8K
CPBI icon
35
Central Plains Bancshares
CPBI
$83M
$670K 0.21%
+65,693
New +$635K
BCOW
36
DELISTED
1895 Bancorp of Wisconsin
BCOW
$645K 0.2%
92,306
+49,276
+115% +$321K
NSTS icon
37
NSTS Bancorp
NSTS
$66.7M
$212K 0.07%
22,263
-124,433
-85% -$1.11M
BHRB icon
38
Burke & Herbert Financial Services Corp
BHRB
$1.48B
– –
-53,183
Closed -$2.47M
BLFY
39
DELISTED
Blue Foundry Bancorp
BLFY
– –
-44,130
Closed -$369K
BSRR icon
40
Sierra Bancorp
BSRR
$532M
– –
-35,199
Closed -$667K
HWBK icon
41
Hawthorn Bancshares
HWBK
$267M
– –
-45,140
Closed -$734K
PLBC icon
42
Plumas Bancorp
PLBC
$430M
– –
-16,121
Closed -$550K
GBNY
43
DELISTED
Generations Bancorp NY, Inc. Common Stock
GBNY
– –
-24,260
Closed -$205K
1
2

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CA
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SCP
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CWM
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M3F Inc's Q4 2023 Portfolio in Review

As of Q4 2023, M3F Inc held 43 positions worth $315M, up 5.3% from $299M the previous quarter. Its ten largest holdings account for 59% of the portfolio.

M3F Inc withdrew a net $28.9M in Q4 2023, closing 6 positions and reducing 22 holdings. Its most notable exit was Burke & Herbert Financial Services Corp, an estimated $2.47M position sold in full.

By sector, the portfolio is most concentrated in Financials at 90% of assets, down from 91% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in Central Plains Bancshares worth $670K.

  • M3F Inc's largest Q4 2023 buy was Central Plains Bancshares: 65,693 shares worth $670K.
  • M3F Inc added most to M&T Bank in Q4 2023, an estimated $1.76M increase.
  • M3F Inc's biggest Q4 2023 reduction was Northeast Community Bancorp, cutting an estimated $6.75M.
  • M3F Inc fully exited Burke & Herbert Financial Services Corp in Q4 2023, selling an estimated $2.47M.
  • M3F Inc's ten largest holdings make up 59% of its $315M portfolio in Q4 2023.
  • M3F Inc opened 1 new position and closed 6 in Q4 2023.
  • M3F Inc's portfolio value rose 5.3% quarter-over-quarter to $315M.

Based on M3F Inc's 13F filing for Q4 2023, filed 13 Feb 2024.