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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
+0.08%
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
$354M
AUM Growth
-$9.38M
Cap. Flow
-$4.86M
Cap. Flow %
-1.37%
Top 10 Hldgs %
76.14%
Holding
32
New
1
Increased
16
Reduced
11
Closed
2

Top Buys

Rank Stock Value
1
WLFC icon
Willis Lease Finance
WLFC
+$4.63M
2
FBLA
FB Bancorp
FBLA
+$3.34M
3
ASLE icon
AerSale
ASLE
+$2.26M
4
CBFV icon
CB Financial Services
CBFV
+$2.22M
5
AL
Air Lease Corp
AL
+$2.03M

Top Sells

Rank Stock Value
1
PVBC
Provident Bancorp
PVBC
+$13.1M
2
SWKH
SWK Holdings
SWKH
+$4.26M
3
PBFS icon
Pioneer Bancorp
PBFS
+$2.64M
4
AIR icon
AAR Corp
AIR
+$1.93M
5
BRKL
Brookline Bancorp
BRKL
+$626K

Sector Composition

Rank Sector Weight
1 Financials 58.02%
2 Industrials 41.98%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
LSBK icon
26
Lake Shore Bancorp
LSBK
$135M
$1.68M 0.47%
106,527
-22,598
-18% -$342K
CPBI icon
27
Central Plains Bancshares
CPBI
$84.5M
$647K 0.18%
42,816
-12,661
-23% -$187K
SHFS icon
28
SHF Holdings
SHFS
$1.35M
$604K 0.17%
278,342
– –
WSBK
29
Winchester Bancorp
WSBK
$117M
$531K 0.15%
+59,323
New +$546K
NSTS icon
30
NSTS Bancorp
NSTS
$66.7M
$470K 0.13%
38,099
-2,016
-5% -$24.1K
AIR icon
31
AAR Corp
AIR
$5.38B
– –
-34,462
Closed -$1.93M
PVBC
32
DELISTED
Provident Bancorp
PVBC
– –
-1,138,538
Closed -$13.1M
1
2

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ACM
Aspen Capital Management Boise, Idaho $404M AUM 16.8% 1-Year Est. Return
NFG
Northeast Financial Group Tannersville, Pennsylvania $404M AUM 12.61% 1-Year Est. Return
FFM
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CA
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MYA
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SCP
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M3F Inc's Q2 2025 Portfolio in Review

As of Q2 2025, M3F Inc held 32 positions worth $354M, down 2.6% from $364M the previous quarter. Its ten largest holdings account for 76% of the portfolio.

M3F Inc's Q2 2025 filing shows 1 new, 16 increased, 11 reduced and 2 closed positions. Its largest new stake was Winchester Bancorp: 59,323 shares worth $531K. The largest sale was Provident Bancorp, an estimated $13.1M.

By sector, the portfolio is most concentrated in Financials at 58% of assets, down from 60% a quarter earlier, followed by Industrials.

  • M3F Inc's largest Q2 2025 buy was Winchester Bancorp: 59,323 shares worth $531K.
  • M3F Inc added most to Willis Lease Finance in Q2 2025, an estimated $4.63M increase.
  • M3F Inc's biggest Q2 2025 reduction was SWK Holdings, cutting an estimated $4.26M.
  • M3F Inc fully exited Provident Bancorp in Q2 2025, selling an estimated $13.1M.
  • M3F Inc's ten largest holdings make up 76% of its $354M portfolio in Q2 2025.
  • M3F Inc opened 1 new position and closed 2 in Q2 2025.
  • M3F Inc's portfolio value fell 2.6% quarter-over-quarter to $354M.

Based on M3F Inc's 13F filing for Q2 2025, filed 13 Aug 2025.