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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
+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
WLFC icon
1
Willis Lease Finance
WLFC
$1.65B
$30.6M 9.73%
1,880,178
+8,259
+0.4% +$123K
NWLI
2
DELISTED
National Western Life Group, Inc. Class A
NWLI
$29.4M 9.32%
60,782
-9,534
-14% -$4.54M
PDLB icon
3
Ponce Financial Group
PDLB
$486M
$20.6M 6.54%
2,110,719
-49,000
-2% -$423K
PBFS icon
4
Pioneer Bancorp
PBFS
$445M
$18.1M 5.75%
1,809,350
+59,800
+3% +$521K
WFC icon
5
Wells Fargo
WFC
$254B
$16.5M 5.24%
335,000
– –
SNFCA icon
6
Security National Financial
SNFCA
$248M
$16.2M 5.14%
2,084,085
-2,539
-0.1% -$17.5K
PVBC
7
DELISTED
Provident Bancorp
PVBC
$15.4M 4.9%
1,532,539
-60,000
-4% -$580K
SWKH
8
DELISTED
SWK Holdings
SWKH
$13.5M 4.29%
972,712
+7,272
+0.8% +$94.9K
EBC icon
9
Eastern Bankshares
EBC
$5.27B
$13.2M 4.18%
927,503
-459,519
-33% -$5.74M
BFIN
10
DELISTED
BankFinancial
BFIN
$11.9M 3.76%
1,155,303
-78,962
-6% -$715K
PKBK icon
11
Parke Bancorp
PKBK
$397M
$11.1M 3.52%
547,624
-6,832
-1% -$121K
FBIZ icon
12
First Business Financial Services
FBIZ
$565M
$8.8M 2.79%
219,341
-35,955
-14% -$1.21M
SPFI icon
13
South Plains Financial
SPFI
$850M
$8.55M 2.71%
295,225
-54,989
-16% -$1.5M
RBKB icon
14
Rhinebeck Bancorp
RBKB
$193M
$8.48M 2.69%
1,053,369
+101,822
+11% +$676K
PROV icon
15
Provident Financial
PROV
$111M
$8.13M 2.58%
644,426
-34,620
-5% -$413K
HMNF
16
DELISTED
HMN Financial Inc
HMNF
$7.62M 2.42%
331,107
-9,895
-3% -$194K
NECB icon
17
Northeast Community Bancorp
NECB
$373M
$7.49M 2.38%
422,343
-415,734
-50% -$6.75M
SHFS icon
18
SHF Holdings
SHFS
$1.12M
$7.1M 2.25%
250,000
+18,060
+8% +$294K
TSBK icon
19
Timberland Bancorp
TSBK
$352M
$6.88M 2.18%
218,569
-14,479
-6% -$423K
NODK icon
20
NI Holdings
NODK
$320M
$6.77M 2.15%
521,444
+37,487
+8% +$479K
MGYR icon
21
Magyar Bancorp
MGYR
$124M
$6.41M 2.03%
570,563
-3,316
-0.6% -$32.7K
CMA
22
DELISTED
Comerica
CMA
$5.58M 1.77%
100,000
– –
MTB icon
23
M&T Bank
MTB
$36.3B
$4.8M 1.52%
35,000
+14,000
+67% +$1.76M
BSBK icon
24
Bogota Financial
BSBK
$114M
$4.04M 1.28%
501,510
+4,272
+0.9% +$31.2K
OVLY icon
25
Oak Valley Bancorp
OVLY
$284M
$3.96M 1.26%
132,245
-8,910
-6% -$233K
1
2

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NFG
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CA
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SCP
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CWM
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BC
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MM
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P8IP
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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.