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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
+4.92%
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
$353M
AUM Growth
-$1.6M
Cap. Flow
-$15.3M
Cap. Flow %
-4.33%
Top 10 Hldgs %
79.72%
Holding
32
New
2
Increased
10
Reduced
15
Closed
4

Top Buys

1
WLFC icon
Willis Lease Finance
WLFC
+$5.69M
2
AVBC
Avidia Bancorp
AVBC
+$4.98M
3
AER icon
AerCap
AER
+$3.62M
4
BBT
Beacon Financial Corp
BBT
+$3.41M
5
AL
Air Lease Corp
AL
+$1.17M

Top Sells

1
EBC icon
Eastern Bankshares
EBC
+$7.45M
2
TSBK icon
Timberland Bancorp
TSBK
+$5.35M
3
ASLE icon
AerSale
ASLE
+$5.13M
4
BRKL
Brookline Bancorp
BRKL
+$4.44M
5
OVLY icon
Oak Valley Bancorp
OVLY
+$3.1M

Sector Composition

1 Financials 54.39%
2 Industrials 45.61%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
WLFC icon
1
Willis Lease Finance
WLFC
$1.53B
$83.1M 23.54%
606,026
+39,085
+7% +$5.69M
PDLB icon
2
Ponce Financial Group
PDLB
$490M
$33.2M 9.4%
2,255,981
-59,727
-3% -$865K
AL
3
DELISTED
Air Lease Corp
AL
$29.8M 8.44%
467,901
+19,500
+4% +$1.17M
AER icon
4
AerCap
AER
$23.2B
$25.2M 7.15%
208,500
+31,000
+17% +$3.62M
PBFS icon
5
Pioneer Bancorp
PBFS
$431M
$24.6M 6.97%
1,884,081
-206,361
-10% -$2.63M
ASLE icon
6
AerSale
ASLE
$286M
$22.9M 6.48%
2,791,074
-681,846
-20% -$5.13M
NODK icon
7
NI Holdings
NODK
$326M
$19.9M 5.63%
1,464,794
+1,073
+0.1% +$14.1K
SNFCA icon
8
Security National Financial
SNFCA
$256M
$19.4M 5.49%
2,345,330
+5,356
+0.2% +$45.2K
BFIN
9
DELISTED
BankFinancial
BFIN
$12M 3.41%
1,000,000
-65,272
-6% -$774K
RBKB icon
10
Rhinebeck Bancorp
RBKB
$189M
$11.3M 3.21%
997,800
-24,804
-2% -$312K
SWKH
11
DELISTED
SWK Holdings
SWKH
$10.7M 3.02%
733,155
+34,727
+5% +$513K
PKBK icon
12
Parke Bancorp
PKBK
$388M
$8.28M 2.35%
384,157
-53,752
-12% -$1.17M
ALRS icon
13
Alerus Financial
ALRS
$808M
$5.81M 1.65%
262,403
+45,695
+21% +$1.01M
PROV icon
14
Provident Financial
PROV
$108M
$5.76M 1.63%
366,036
-35,137
-9% -$545K
MGYR icon
15
Magyar Bancorp
MGYR
$113M
$5.71M 1.62%
330,732
-64,457
-16% -$1.1M
CBFV icon
16
CB Financial Services
CBFV
$184M
$5.45M 1.54%
164,014
-11,344
-6% -$359K
AVBC
17
Avidia Bancorp
AVBC
$377M
$4.91M 1.39%
+328,766
New +$4.98M
BSBK icon
18
Bogota Financial
BSBK
$116M
$4.49M 1.27%
493,732
-1,303
-0.3% -$11.4K
SSBI icon
19
Summit State Bank
SSBI
$92.2M
$4.22M 1.2%
354,229
+1,379
+0.4% +$16.3K
FBIZ icon
20
First Business Financial Services
FBIZ
$549M
$3.41M 0.97%
66,477
-30,084
-31% -$1.54M
BBT
21
Beacon Financial Corp
BBT
$2.58B
$3.16M 0.89%
+133,121
New +$3.41M
FBLA
22
FB Bancorp
FBLA
$247M
$3.06M 0.87%
254,832
-58,898
-19% -$696K
BYFC icon
23
Broadway Financial
BYFC
$89.2M
$2.93M 0.83%
409,685
+65,463
+19% +$504K
LSBK icon
24
Lake Shore Bancorp
LSBK
$135M
$972K 0.28%
74,801
-31,726
-30% -$426K
SHFS icon
25
SHF Holdings
SHFS
$1.35M
$802K 0.23%
111,943
-166,399
-60% -$567K
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 Q3 2025 Portfolio in Review

As of Q3 2025, M3F Inc held 32 positions worth $353M, down 0.45% from $354M the previous quarter. Its ten largest holdings account for 80% of the portfolio.

M3F Inc withdrew a net $15.3M in Q3 2025, closing 4 positions and reducing 15 holdings. Its most notable exit was Eastern Bankshares, an estimated $7.45M position sold in full.

By sector, the portfolio is most concentrated in Financials at 54% of assets, down from 58% a quarter earlier, followed by Industrials.

Against the trend, M3F Inc opened a new position in Avidia Bancorp worth $4.91M.

  • M3F Inc's largest Q3 2025 buy was Avidia Bancorp: 328,766 shares worth $4.91M.
  • M3F Inc added most to Willis Lease Finance in Q3 2025, an estimated $5.69M increase.
  • M3F Inc's biggest Q3 2025 reduction was AerSale, cutting an estimated $5.13M.
  • M3F Inc fully exited Eastern Bankshares in Q3 2025, selling an estimated $7.45M.
  • M3F Inc's ten largest holdings make up 80% of its $353M portfolio in Q3 2025.
  • M3F Inc opened 2 new positions and closed 4 in Q3 2025.
  • M3F Inc's portfolio value fell 0.45% quarter-over-quarter to $353M.

Based on M3F Inc's 13F filing for Q3 2025, filed 12 Nov 2025.