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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
+17.93%
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
$346M
AUM Growth
+$21.3M
Cap. Flow
-$26.7M
Cap. Flow %
-7.72%
Top 10 Hldgs %
77.5%
Holding
35
New
6
Increased
7
Reduced
13
Closed
6

Top Buys

Rank Stock Value
1
ASLE icon
AerSale
ASLE
+$9.04M
2
BMTX
BM Technologies, Inc.
BMTX
+$4.92M
3
ALRS icon
Alerus Financial
ALRS
+$3.95M
4
NODK icon
NI Holdings
NODK
+$3.8M
5
SSBI icon
Summit State Bank
SSBI
+$2.19M

Top Sells

Rank Stock Value
1
WLFC icon
Willis Lease Finance
WLFC
+$12.6M
2
WFC icon
Wells Fargo
WFC
+$11.3M
3
HMNF
HMN Financial Inc
HMNF
+$9.14M
4
FINW icon
FinWise Bancorp
FINW
+$4.19M
5
BRKL
Brookline Bancorp
BRKL
+$3.68M

Sector Composition

Rank Sector Weight
1 Financials 66.87%
2 Industrials 33.13%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
WLFC icon
1
Willis Lease Finance
WLFC
$1.65B
$105M 30.25%
1,512,687
-195,000
-11% -$12.6M
PDLB icon
2
Ponce Financial Group
PDLB
$486M
$29.4M 8.51%
2,265,395
+2,000
+0.1% +$24.5K
PBFS icon
3
Pioneer Bancorp
PBFS
$445M
$26.7M 7.72%
2,319,023
+2,430
+0.1% +$27.7K
SNFCA icon
4
Security National Financial
SNFCA
$248M
$24.2M 7%
2,220,283
-39,842
-2% -$401K
NODK icon
5
NI Holdings
NODK
$320M
$21M 6.07%
1,336,330
+239,316
+22% +$3.8M
BFIN
6
DELISTED
BankFinancial
BFIN
$14.4M 4.18%
1,137,983
-75,000
-6% -$937K
PVBC
7
DELISTED
Provident Bancorp
PVBC
$13.7M 3.95%
1,198,910
-44,248
-4% -$490K
SWKH
8
DELISTED
SWK Holdings
SWKH
$12.7M 3.67%
1,009,791
+24,331
+2% +$316K
EBC icon
9
Eastern Bankshares
EBC
$5.27B
$10.8M 3.14%
628,767
-49,100
-7% -$857K
RBKB icon
10
Rhinebeck Bancorp
RBKB
$193M
$10.4M 3.01%
1,075,698
– –
ASLE icon
11
AerSale
ASLE
$291M
$9.94M 2.87%
+1,577,974
New +$9.04M
PKBK icon
12
Parke Bancorp
PKBK
$397M
$8.98M 2.6%
437,909
-58,578
-12% -$1.28M
PROV icon
13
Provident Financial
PROV
$111M
$6.94M 2.01%
436,000
-64,000
-13% -$1M
MGYR icon
14
Magyar Bancorp
MGYR
$124M
$6.33M 1.83%
433,289
-29,753
-6% -$394K
TSBK icon
15
Timberland Bancorp
TSBK
$352M
$5.69M 1.65%
186,589
-26,527
-12% -$830K
BRKL
16
DELISTED
Brookline Bancorp
BRKL
$5.63M 1.63%
477,183
-317,122
-40% -$3.68M
BMTX
17
DELISTED
BM Technologies, Inc.
BMTX
$5.53M 1.6%
+1,130,898
New +$4.92M
FBIZ icon
18
First Business Financial Services
FBIZ
$565M
$4.5M 1.3%
97,152
-57,149
-37% -$2.68M
BSBK icon
19
Bogota Financial
BSBK
$114M
$3.73M 1.08%
496,605
+1,619
+0.3% +$13K
OVLY icon
20
Oak Valley Bancorp
OVLY
$284M
$3.55M 1.03%
121,436
-12,548
-9% -$359K
ALRS icon
21
Alerus Financial
ALRS
$828M
$3.46M 1%
+179,563
New +$3.95M
CPBI icon
22
Central Plains Bancshares
CPBI
$83M
$2.68M 0.78%
179,269
– –
SHFS icon
23
SHF Holdings
SHFS
$1.12M
$2.5M 0.72%
277,485
+811
+0.3% +$6.81K
SSBI icon
24
Summit State Bank
SSBI
$88.8M
$2.29M 0.66%
+300,000
New +$2.19M
BYFC icon
25
Broadway Financial
BYFC
$93.1M
$1.71M 0.49%
249,450
+90,299
+57% +$620K
1
2

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CA
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SCP
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CWM
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M3F Inc's Q4 2024 Portfolio in Review

As of Q4 2024, M3F Inc held 35 positions worth $346M, up 6.6% from $325M the previous quarter. Its ten largest holdings account for 77% of the portfolio.

M3F Inc withdrew a net $26.7M in Q4 2024, closing 6 positions and reducing 13 holdings. Its most notable exit was Wells Fargo, an estimated $11.3M position sold in full.

By sector, the portfolio is most concentrated in Financials at 67% of assets, down from 74% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in AerSale worth $9.94M.

  • M3F Inc's largest Q4 2024 buy was AerSale: 1,577,974 shares worth $9.94M.
  • M3F Inc added most to NI Holdings in Q4 2024, an estimated $3.8M increase.
  • M3F Inc's biggest Q4 2024 reduction was Willis Lease Finance, cutting an estimated $12.6M.
  • M3F Inc fully exited Wells Fargo in Q4 2024, selling an estimated $11.3M.
  • M3F Inc's ten largest holdings make up 77% of its $346M portfolio in Q4 2024.
  • M3F Inc opened 6 new positions and closed 6 in Q4 2024.
  • M3F Inc's portfolio value rose 6.6% quarter-over-quarter to $346M.

Based on M3F Inc's 13F filing for Q4 2024, filed 13 Feb 2025.