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M3F Inc Portfolio holdings

AUM $404M
1-Year Est. Return 17.61%
This Fund
S&P 500
This Quarter Est. Return
+0.08%
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
$354M
AUM Growth
-$9.38M
Cap. Flow
-$4.86M
Cap. Flow %
-1.37%
Top 10 Hldgs %
76.14%
Holding
32
New
1
Increased
16
Reduced
11
Closed
2

Top Buys

1
WLFC icon
Willis Lease Finance
WLFC
+$4.63M
2
FBLA
FB Bancorp
FBLA
+$3.34M
3
ASLE icon
AerSale
ASLE
+$2.26M
4
CBFV icon
CB Financial Services
CBFV
+$2.22M
5
AL
Air Lease Corp
AL
+$2.03M

Top Sells

1
PVBC
Provident Bancorp
PVBC
+$13.1M
2
SWKH
SWK Holdings
SWKH
+$4.26M
3
PBFS icon
Pioneer Bancorp
PBFS
+$2.64M
4
AIR icon
AAR Corp
AIR
+$1.93M
5
BRKL
Brookline Bancorp
BRKL
+$626K

Sector Composition

1 Financials 58.02%
2 Industrials 41.98%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
WLFC icon
1
Willis Lease Finance
WLFC
$1.53B
$80.9M 22.84%
566,941
+32,680
+6% +$4.63M
PDLB icon
2
Ponce Financial Group
PDLB
$490M
$32M 9.04%
2,315,708
+48,887
+2% +$630K
AL
3
DELISTED
Air Lease Corp
AL
$26.2M 7.4%
448,401
+39,051
+10% +$2.03M
PBFS icon
4
Pioneer Bancorp
PBFS
$431M
$25.1M 7.09%
2,090,442
-230,000
-10% -$2.64M
SNFCA icon
5
Security National Financial
SNFCA
$256M
$20.9M 5.9%
2,339,974
+116,491
+5% +$1.04M
ASLE icon
6
AerSale
ASLE
$286M
$20.9M 5.89%
3,472,920
+353,222
+11% +$2.26M
AER icon
7
AerCap
AER
$23.2B
$20.8M 5.86%
177,500
+5,000
+3% +$541K
NODK icon
8
NI Holdings
NODK
$326M
$18.6M 5.26%
1,463,721
+53,877
+4% +$696K
BFIN
9
DELISTED
BankFinancial
BFIN
$12.3M 3.48%
1,065,272
+21,384
+2% +$255K
RBKB icon
10
Rhinebeck Bancorp
RBKB
$189M
$12M 3.38%
1,022,604
-7,500
-0.7% -$83.2K
SWKH
11
DELISTED
SWK Holdings
SWKH
$10.3M 2.9%
698,428
-300,739
-30% -$4.26M
PKBK icon
12
Parke Bancorp
PKBK
$388M
$8.92M 2.52%
437,909
– –
EBC icon
13
Eastern Bankshares
EBC
$4.94B
$7.45M 2.1%
487,760
-18,211
-4% -$273K
MGYR icon
14
Magyar Bancorp
MGYR
$113M
$6.59M 1.86%
395,189
-38,000
-9% -$570K
PROV icon
15
Provident Financial
PROV
$108M
$6.22M 1.75%
401,173
-37,042
-8% -$556K
TSBK icon
16
Timberland Bancorp
TSBK
$343M
$5.35M 1.51%
171,401
+928
+0.5% +$28.2K
CBFV icon
17
CB Financial Services
CBFV
$184M
$5M 1.41%
175,358
+77,809
+80% +$2.22M
FBIZ icon
18
First Business Financial Services
FBIZ
$549M
$4.89M 1.38%
96,561
+2,943
+3% +$141K
ALRS icon
19
Alerus Financial
ALRS
$808M
$4.69M 1.32%
216,708
+29,261
+16% +$586K
BRKL
20
DELISTED
Brookline Bancorp
BRKL
$4.44M 1.25%
420,926
-60,257
-13% -$626K
BSBK icon
21
Bogota Financial
BSBK
$116M
$3.86M 1.09%
495,035
+430
+0.1% +$3.09K
SSBI icon
22
Summit State Bank
SSBI
$92.2M
$3.83M 1.08%
352,850
+51,417
+17% +$476K
FBLA
23
FB Bancorp
FBLA
$247M
$3.53M 1%
313,730
+302,157
+2,611% +$3.34M
OVLY icon
24
Oak Valley Bancorp
OVLY
$282M
$3.1M 0.87%
113,840
-8,596
-7% -$219K
BYFC icon
25
Broadway Financial
BYFC
$89.2M
$2.5M 0.7%
344,222
+77,015
+29% +$493K
1
2

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DI
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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
FFM
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CA
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MYA
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SCP
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M3F Inc's Q2 2025 Portfolio in Review

As of Q2 2025, M3F Inc held 32 positions worth $354M, down 2.6% from $364M the previous quarter. Its ten largest holdings account for 76% of the portfolio.

M3F Inc's Q2 2025 filing shows 1 new, 16 increased, 11 reduced and 2 closed positions. Its largest new stake was Winchester Bancorp: 59,323 shares worth $531K. The largest sale was Provident Bancorp, an estimated $13.1M.

By sector, the portfolio is most concentrated in Financials at 58% of assets, down from 60% a quarter earlier, followed by Industrials.

  • M3F Inc's largest Q2 2025 buy was Winchester Bancorp: 59,323 shares worth $531K.
  • M3F Inc added most to Willis Lease Finance in Q2 2025, an estimated $4.63M increase.
  • M3F Inc's biggest Q2 2025 reduction was SWK Holdings, cutting an estimated $4.26M.
  • M3F Inc fully exited Provident Bancorp in Q2 2025, selling an estimated $13.1M.
  • M3F Inc's ten largest holdings make up 76% of its $354M portfolio in Q2 2025.
  • M3F Inc opened 1 new position and closed 2 in Q2 2025.
  • M3F Inc's portfolio value fell 2.6% quarter-over-quarter to $354M.

Based on M3F Inc's 13F filing for Q2 2025, filed 13 Aug 2025.