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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
+7.86%
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
$128M
AUM Growth
-$9.08M
Cap. Flow
-$18.5M
Cap. Flow %
-14.44%
Top 10 Hldgs %
51.01%
Holding
37
New
2
Increased
12
Reduced
18
Closed
3

Top Buys

Rank Stock Value
1
PVBC
Provident Bancorp
PVBC
+$5.52M
2
PBFS icon
Pioneer Bancorp
PBFS
+$1.61M
3
PDLB icon
Ponce Financial Group
PDLB
+$825K
4
PBHC icon
Pathfinder Bancorp
PBHC
+$620K
5
ICCH
ICC Holdings, Inc.
ICCH
+$315K

Top Sells

Rank Stock Value
1
ZION icon
Zions Bancorporation
ZION
+$7.35M
2
HONE
HarborOne Bancorp
HONE
+$5.73M
3
PBBI
PB Bancorp, Inc. Common Stock
PBBI
+$4.03M
4
VLY icon
Valley National Bancorp
VLY
+$2.5M
5
CFG icon
Citizens Financial Group
CFG
+$2.18M

Sector Composition

Rank Sector Weight
1 Financials 95.94%
2 Industrials 4.06%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
ALRS icon
1
Alerus Financial
ALRS
$828M
$8.44M 6.59%
369,350
+9,356
+3% +$205K
PROV icon
2
Provident Financial
PROV
$111M
$7.65M 5.97%
349,111
-16,486
-5% -$350K
HTH icon
3
Hilltop Holdings
HTH
$2.26B
$7.26M 5.66%
291,114
-9,510
-3% -$232K
STND
4
DELISTED
Standard AVB Financial Corp. Common Stock
STND
$7.04M 5.49%
234,803
-5,192
-2% -$149K
FBIZ icon
5
First Business Financial Services
FBIZ
$565M
$6.39M 4.99%
242,646
-29,560
-11% -$733K
SNFCA icon
6
Security National Financial
SNFCA
$248M
$6.28M 4.9%
1,548,154
+17,450
+1% +$63.6K
CMA
7
DELISTED
Comerica
CMA
$5.85M 4.56%
81,500
– –
PVBC
8
DELISTED
Provident Bancorp
PVBC
$5.83M 4.55%
+468,380
New +$5.52M
CFG icon
9
Citizens Financial Group
CFG
$30.1B
$5.44M 4.25%
134,000
-58,200
-30% -$2.18M
WLFC icon
10
Willis Lease Finance
WLFC
$1.65B
$5.21M 4.06%
265,098
+7,218
+3% +$141K
ASRV icon
11
AmeriServ Financial
ASRV
$76.3M
$5.03M 3.93%
1,198,275
-2,085
-0.2% -$8.7K
WFC icon
12
Wells Fargo
WFC
$254B
$5M 3.9%
93,000
-27,500
-23% -$1.44M
PDLB icon
13
Ponce Financial Group
PDLB
$486M
$4.73M 3.69%
449,186
+81,037
+22% +$825K
NODK icon
14
NI Holdings
NODK
$320M
$4.08M 3.18%
237,226
-29,801
-11% -$511K
MGYR icon
15
Magyar Bancorp
MGYR
$124M
$4.01M 3.13%
398,549
+14,513
+4% +$145K
PBFS icon
16
Pioneer Bancorp
PBFS
$445M
$3.79M 2.96%
247,820
+119,004
+92% +$1.61M
FUNC icon
17
First United
FUNC
$289M
$3.7M 2.88%
153,450
-58
-0% -$1.37K
ICCH
18
DELISTED
ICC Holdings, Inc.
ICCH
$3.63M 2.83%
257,603
+22,991
+10% +$315K
SFBC
19
Sound Financial Bancorp
SFBC
$105M
$3.54M 2.76%
98,326
– –
HMNF
20
DELISTED
HMN Financial Inc
HMNF
$2.92M 2.28%
138,927
+160
+0.1% +$3.38K
HONE
21
DELISTED
HarborOne Bancorp
HONE
$2.77M 2.16%
251,835
-546,425
-68% -$5.73M
SPFI icon
22
South Plains Financial
SPFI
$850M
$2.54M 1.98%
121,455
-40,658
-25% -$738K
FRAF icon
23
Franklin Financial Services
FRAF
$288M
$2.5M 1.95%
64,707
-27,811
-30% -$1.01M
RNDB
24
DELISTED
Randolph Bancorp, Inc. Common Stock
RNDB
$2.28M 1.78%
129,158
+2,262
+2% +$35.4K
MYFW icon
25
First Western Financial
MYFW
$306M
$1.96M 1.53%
118,814
-10,577
-8% -$173K
1
2

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CA
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SCP
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CWM
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P8IP
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M3F Inc's Q4 2019 Portfolio in Review

As of Q4 2019, M3F Inc held 37 positions worth $128M, down 6.6% from $137M the previous quarter. Its ten largest holdings account for 51% of the portfolio.

M3F Inc withdrew a net $18.5M in Q4 2019, closing 3 positions and reducing 18 holdings. Its most notable exit was Zions Bancorporation, an estimated $7.35M position sold in full.

By sector, the portfolio is most concentrated in Financials at 96% of assets, down from 97% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in Provident Bancorp worth $5.83M.

  • M3F Inc's largest Q4 2019 buy was Provident Bancorp: 468,380 shares worth $5.83M.
  • M3F Inc added most to Pioneer Bancorp in Q4 2019, an estimated $1.61M increase.
  • M3F Inc's biggest Q4 2019 reduction was HarborOne Bancorp, cutting an estimated $5.73M.
  • M3F Inc fully exited Zions Bancorporation in Q4 2019, selling an estimated $7.35M.
  • M3F Inc's ten largest holdings make up 51% of its $128M portfolio in Q4 2019.
  • M3F Inc opened 2 new positions and closed 3 in Q4 2019.
  • M3F Inc's portfolio value fell 6.6% quarter-over-quarter to $128M.

Based on M3F Inc's 13F filing for Q4 2019, filed 13 Feb 2020.