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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
+4.92%
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
$353M
AUM Growth
-$1.6M
Cap. Flow
-$15.3M
Cap. Flow %
-4.33%
Top 10 Hldgs %
79.72%
Holding
32
New
2
Increased
10
Reduced
15
Closed
4

Top Buys

Rank Stock Value
1
WLFC icon
Willis Lease Finance
WLFC
+$5.69M
2
AVBC
Avidia Bancorp
AVBC
+$4.98M
3
AER icon
AerCap
AER
+$3.62M
4
BBT
Beacon Financial Corp
BBT
+$3.41M
5
AL
Air Lease Corp
AL
+$1.17M

Top Sells

Rank Stock Value
1
EBC icon
Eastern Bankshares
EBC
+$7.45M
2
TSBK icon
Timberland Bancorp
TSBK
+$5.35M
3
ASLE icon
AerSale
ASLE
+$5.13M
4
BRKL
Brookline Bancorp
BRKL
+$4.44M
5
OVLY icon
Oak Valley Bancorp
OVLY
+$3.1M

Sector Composition

Rank Sector Weight
1 Financials 54.39%
2 Industrials 45.61%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
WSBK
26
Winchester Bancorp
WSBK
$117M
$788K 0.22%
82,552
+23,229
+39% +$219K
CPBI icon
27
Central Plains Bancshares
CPBI
$84.5M
$684K 0.19%
42,258
-558
-1% -$8.61K
NSTS icon
28
NSTS Bancorp
NSTS
$66.7M
$440K 0.12%
38,099
– –
BRKL
29
DELISTED
Brookline Bancorp
BRKL
– –
-420,926
Closed -$4.44M
EBC icon
30
Eastern Bankshares
EBC
$4.94B
– –
-487,760
Closed -$7.45M
OVLY icon
31
Oak Valley Bancorp
OVLY
$282M
– –
-113,840
Closed -$3.1M
TSBK icon
32
Timberland Bancorp
TSBK
$343M
– –
-171,401
Closed -$5.35M
1
2

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DI
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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
Flagstone Financial Management Lincoln, Nebraska $403M AUM 14.09% 1-Year Est. Return
CA
COFG Advisors Oak Brook, Illinois $404M AUM
MYA
Meiji Yasuda America New York $404M AUM
SCP
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M3F Inc's Q3 2025 Portfolio in Review

As of Q3 2025, M3F Inc held 32 positions worth $353M, down 0.45% from $354M the previous quarter. Its ten largest holdings account for 80% of the portfolio.

M3F Inc withdrew a net $15.3M in Q3 2025, closing 4 positions and reducing 15 holdings. Its most notable exit was Eastern Bankshares, an estimated $7.45M position sold in full.

By sector, the portfolio is most concentrated in Financials at 54% of assets, down from 58% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in Avidia Bancorp worth $4.91M.

  • M3F Inc's largest Q3 2025 buy was Avidia Bancorp: 328,766 shares worth $4.91M.
  • M3F Inc added most to Willis Lease Finance in Q3 2025, an estimated $5.69M increase.
  • M3F Inc's biggest Q3 2025 reduction was AerSale, cutting an estimated $5.13M.
  • M3F Inc fully exited Eastern Bankshares in Q3 2025, selling an estimated $7.45M.
  • M3F Inc's ten largest holdings make up 80% of its $353M portfolio in Q3 2025.
  • M3F Inc opened 2 new positions and closed 4 in Q3 2025.
  • M3F Inc's portfolio value fell 0.45% quarter-over-quarter to $353M.

Based on M3F Inc's 13F filing for Q3 2025, filed 12 Nov 2025.