We are live on ! Find out more
MI

M3F Inc Portfolio holdings

AUM $404M
1-Year Est. Return 17.61%
This Fund
S&P 500
This Quarter Est. Return
+3.32%
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
$364M
AUM Growth
+$11.2M
Cap. Flow
+$1.02M
Cap. Flow %
0.28%
Top 10 Hldgs %
82.22%
Holding
29
New
1
Increased
10
Reduced
9
Closed
4

Top Buys

Rank Stock Value
1
WLFC icon
Willis Lease Finance
WLFC
+$9.21M
2
WASH icon
Washington Trust Bancorp
WASH
+$4.73M
3
ASLE icon
AerSale
ASLE
+$3.71M
4
ALRS icon
Alerus Financial
ALRS
+$3.24M
5
PBFS icon
Pioneer Bancorp
PBFS
+$2.01M

Top Sells

Rank Stock Value
1
PDLB icon
Ponce Financial Group
PDLB
+$6.16M
2
BFIN
BankFinancial
BFIN
+$6.01M
3
BBT
Beacon Financial Corp
BBT
+$3.16M
4
FBLA
FB Bancorp
FBLA
+$3.06M
5
AVBC
Avidia Bancorp
AVBC
+$1.67M

Sector Composition

Rank Sector Weight
1 Financials 52.15%
2 Industrials 47.85%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
BBT
26
Beacon Financial Corp
BBT
$2.5B
– –
-133,121
Closed -$3.16M
CPBI icon
27
Central Plains Bancshares
CPBI
$83M
– –
-42,258
Closed -$684K
LSBK icon
28
Lake Shore Bancorp
LSBK
$135M
– –
-74,801
Closed -$972K
FBLA
29
FB Bancorp
FBLA
$250M
– –
-254,832
Closed -$3.06M
1
2

Similar funds

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
CA
COFG Advisors Oak Brook, Illinois $404M AUM
SCP
Steamboat Capital Partners Rye, New York $403M AUM 43.57% 1-Year Est. Return
CWM
Compass Wealth Management Guilford, Connecticut $405M AUM 34.36% 1-Year Est. Return
BC
Bridgefront Capital Austin, Texas $402M AUM 18.17% 1-Year Est. Return
MM
Meridian Management Little Rock, Arkansas $402M AUM 17.05% 1-Year Est. Return
P8IP
Pier 88 Investment Partners San Francisco, California $402M AUM 10.33% 1-Year Est. Return

M3F Inc's Q4 2025 Portfolio in Review

As of Q4 2025, M3F Inc held 29 positions worth $364M, up 3.2% from $353M the previous quarter. Its ten largest holdings account for 82% of the portfolio.

M3F Inc's Q4 2025 filing shows 1 new, 10 increased, 9 reduced and 4 closed positions. Its largest new stake was Washington Trust Bancorp: 166,485 shares worth $4.92M. The largest sale was Ponce Financial Group, an estimated $6.16M.

By sector, the portfolio is most concentrated in Financials at 52% of assets, down from 54% a quarter earlier, followed by Industrials.

  • M3F Inc's largest Q4 2025 buy was Washington Trust Bancorp: 166,485 shares worth $4.92M.
  • M3F Inc added most to Willis Lease Finance in Q4 2025, an estimated $9.21M increase.
  • M3F Inc's biggest Q4 2025 reduction was Ponce Financial Group, cutting an estimated $6.16M.
  • M3F Inc fully exited Beacon Financial Corp in Q4 2025, selling an estimated $3.16M.
  • M3F Inc's ten largest holdings make up 82% of its $364M portfolio in Q4 2025.
  • M3F Inc opened 1 new position and closed 4 in Q4 2025.
  • M3F Inc's portfolio value rose 3.2% quarter-over-quarter to $364M.

Based on M3F Inc's 13F filing for Q4 2025, filed 13 Feb 2026.