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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
+41.05%
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
$325M
AUM Growth
+$54.4M
Cap. Flow
-$24.2M
Cap. Flow %
-7.45%
Top 10 Hldgs %
72.93%
Holding
35
New
1
Increased
8
Reduced
17
Closed
6

Top Buys

Rank Stock Value
1
NODK icon
NI Holdings
NODK
+$8.6M
2
PBFS icon
Pioneer Bancorp
PBFS
+$2.46M
3
SNFCA icon
Security National Financial
SNFCA
+$1.66M
4
CLST icon
Catalyst Bancorp
CLST
+$790K
5
CPBI icon
Central Plains Bancshares
CPBI
+$484K

Top Sells

Rank Stock Value
1
SPFI icon
South Plains Financial
SPFI
+$7.73M
2
WLFC icon
Willis Lease Finance
WLFC
+$5.18M
3
NECB icon
Northeast Community Bancorp
NECB
+$4.72M
4
SFBC
Sound Financial Bancorp
SFBC
+$4.04M
5
EBC icon
Eastern Bankshares
EBC
+$3.7M

Sector Composition

Rank Sector Weight
1 Financials 73.9%
2 Industrials 26.1%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
WLFC icon
1
Willis Lease Finance
WLFC
$1.65B
$84.7M 26.1%
1,707,687
-157,500
-8% -$5.18M
PDLB icon
2
Ponce Financial Group
PDLB
$486M
$26.5M 8.15%
2,263,395
+28,100
+1% +$293K
PBFS icon
3
Pioneer Bancorp
PBFS
$445M
$25.4M 7.83%
2,316,593
+226,906
+11% +$2.46M
SNFCA icon
4
Security National Financial
SNFCA
$248M
$18.9M 5.81%
2,260,125
+221,584
+11% +$1.66M
NODK icon
5
NI Holdings
NODK
$320M
$17.2M 5.3%
1,097,014
+566,033
+107% +$8.6M
BFIN
6
DELISTED
BankFinancial
BFIN
$14.8M 4.55%
1,212,983
-1,076
-0.1% -$12.3K
SWKH
7
DELISTED
SWK Holdings
SWKH
$13.5M 4.16%
985,460
-26,957
-3% -$366K
PVBC
8
DELISTED
Provident Bancorp
PVBC
$13.4M 4.13%
1,243,158
-35,567
-3% -$380K
WFC icon
9
Wells Fargo
WFC
$254B
$11.3M 3.48%
200,000
– –
EBC icon
10
Eastern Bankshares
EBC
$5.27B
$11.1M 3.42%
677,867
-234,259
-26% -$3.7M
PKBK icon
11
Parke Bancorp
PKBK
$397M
$10.4M 3.2%
496,487
-40,433
-8% -$778K
RBKB icon
12
Rhinebeck Bancorp
RBKB
$193M
$9.95M 3.07%
1,075,698
-2,255
-0.2% -$18.7K
HMNF
13
DELISTED
HMN Financial Inc
HMNF
$9.14M 2.82%
327,555
-577
-0.2% -$14.8K
BRKL
14
DELISTED
Brookline Bancorp
BRKL
$8.02M 2.47%
794,305
-184,996
-19% -$1.82M
PROV icon
15
Provident Financial
PROV
$111M
$7.17M 2.21%
500,000
-94,692
-16% -$1.28M
FBIZ icon
16
First Business Financial Services
FBIZ
$565M
$7.04M 2.17%
154,301
-63,781
-29% -$2.69M
TSBK icon
17
Timberland Bancorp
TSBK
$352M
$6.45M 1.99%
213,116
-7,625
-3% -$223K
MGYR icon
18
Magyar Bancorp
MGYR
$124M
$5.71M 1.76%
463,042
-108,250
-19% -$1.32M
FINW icon
19
FinWise Bancorp
FINW
$193M
$4.19M 1.29%
268,737
-9,909
-4% -$125K
BSBK icon
20
Bogota Financial
BSBK
$114M
$4.1M 1.26%
494,986
-2,404
-0.5% -$17.7K
OVLY icon
21
Oak Valley Bancorp
OVLY
$284M
$3.56M 1.1%
133,984
+1,739
+1% +$45.2K
SHFS icon
22
SHF Holdings
SHFS
$1.12M
$3.06M 0.94%
276,674
+1,430
+0.5% +$17.3K
CPBI icon
23
Central Plains Bancshares
CPBI
$83M
$2.25M 0.69%
179,269
+42,816
+31% +$484K
BCOW
24
DELISTED
1895 Bancorp of Wisconsin
BCOW
$1.5M 0.46%
148,249
– –
LSBK icon
25
Lake Shore Bancorp
LSBK
$135M
$1.49M 0.46%
110,126
– –
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 Q3 2024 Portfolio in Review

As of Q3 2024, M3F Inc held 35 positions worth $325M, up 20% from $270M the previous quarter. Its ten largest holdings account for 73% of the portfolio.

M3F Inc withdrew a net $24.2M in Q3 2024, closing 6 positions and reducing 17 holdings. Its most notable exit was Northeast Community Bancorp, an estimated $4.72M position sold in full.

By sector, the portfolio is most concentrated in Financials at 74% of assets, down from 84% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in Catalyst Bancorp worth $779K.

  • M3F Inc's largest Q3 2024 buy was Catalyst Bancorp: 68,364 shares worth $779K.
  • M3F Inc added most to NI Holdings in Q3 2024, an estimated $8.6M increase.
  • M3F Inc's biggest Q3 2024 reduction was South Plains Financial, cutting an estimated $7.73M.
  • M3F Inc fully exited Northeast Community Bancorp in Q3 2024, selling an estimated $4.72M.
  • M3F Inc's ten largest holdings make up 73% of its $325M portfolio in Q3 2024.
  • M3F Inc opened 1 new position and closed 6 in Q3 2024.
  • M3F Inc's portfolio value rose 20% quarter-over-quarter to $325M.

Based on M3F Inc's 13F filing for Q3 2024, filed 13 Nov 2024.