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MI

M3F Inc Portfolio holdings

AUM $422M
1-Year Est. Return 42.84%
This Fund
S&P 500
This Quarter Est. Return
+3.31%
1 Year Est. Return
+42.84%
3 Year Est. Return
+176.29%
5 Year Est. Return
+178.91%
10 Year Est. Return
+493.96%
AUM
$364M
AUM Growth
+$11.2M
Cap. Flow
+$1.02M
Cap. Flow %
0.28%
Top 10 Hldgs %
82.22%
Holding
29
New
1
Increased
10
Reduced
9
Closed
4

Top Buys

Rank Stock Value
1
WLFC icon
Willis Lease Finance
WLFC
+$9.21M
2
WASH icon
Washington Trust Bancorp
WASH
+$4.73M
3
ASLE icon
AerSale
ASLE
+$3.71M
4
ALRS icon
Alerus Financial
ALRS
+$3.24M
5
PBFS icon
Pioneer Bancorp
PBFS
+$2.01M

Top Sells

Rank Stock Value
1
PDLB icon
Ponce Financial Group
PDLB
+$6.16M
2
BFIN
BankFinancial
BFIN
+$6.01M
3
BBT
Beacon Financial Corp
BBT
+$3.16M
4
FBLA
FB Bancorp
FBLA
+$3.06M
5
AVBC
Avidia Bancorp
AVBC
+$1.67M

Sector Composition

Rank Sector Weight
1 Financials 52.15%
2 Industrials 47.85%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
WLFC icon
1
Willis Lease Finance
WLFC
$1.19B
$91.9M 25.23%
2,031,744
+213,666
+12% +$9.21M
PDLB icon
2
Ponce Financial Group
PDLB
$497M
$30.3M 8.33%
1,855,981
-400,000
-18% -$6.16M
AER icon
3
AerCap
AER
$22.2B
$30M 8.23%
208,500
– –
AL
4
DELISTED
Air Lease Corp
AL
$28.8M 7.91%
448,401
-19,500
-4% -$1.24M
PBFS icon
5
Pioneer Bancorp
PBFS
$437M
$27.4M 7.53%
2,033,854
+149,773
+8% +$2.01M
ASLE icon
6
AerSale
ASLE
$259M
$23.6M 6.48%
3,319,145
+528,071
+19% +$3.71M
NODK icon
7
NI Holdings
NODK
$307M
$20.4M 5.59%
1,531,082
+66,288
+5% +$895K
SNFCA icon
8
Security National Financial
SNFCA
$229M
$20.1M 5.53%
2,345,330
– –
SWKH
9
DELISTED
SWK Holdings
SWKH
$14.7M 4.03%
853,454
+120,299
+16% +$1.99M
RBKB icon
10
Rhinebeck Bancorp
RBKB
$200M
$12.2M 3.35%
1,015,420
+17,620
+2% +$193K
ALRS icon
11
Alerus Financial
ALRS
$829M
$9.26M 2.54%
411,163
+148,760
+57% +$3.24M
PKBK icon
12
Parke Bancorp
PKBK
$408M
$8.52M 2.34%
340,101
-44,056
-11% -$993K
BFIN
13
DELISTED
BankFinancial
BFIN
$5.9M 1.62%
491,747
-508,253
-51% -$6.01M
CBFV icon
14
CB Financial Services
CBFV
$189M
$5.72M 1.57%
164,014
– –
WASH icon
15
Washington Trust Bancorp
WASH
$763M
$4.92M 1.35%
+166,485
New +$4.73M
MGYR icon
16
Magyar Bancorp
MGYR
$126M
$4.84M 1.33%
280,350
-50,382
-15% -$857K
PROV icon
17
Provident Financial
PROV
$116M
$4.77M 1.31%
299,594
-66,442
-18% -$1.04M
BSBK icon
18
Bogota Financial
BSBK
$115M
$4.17M 1.15%
493,732
– –
SSBI icon
19
Summit State Bank
SSBI
$82.6M
$4.12M 1.13%
354,229
– –
AVBC
20
Avidia Bancorp
AVBC
$410M
$3.74M 1.03%
222,361
-106,405
-32% -$1.67M
BYFC icon
21
Broadway Financial
BYFC
$110M
$3.39M 0.93%
458,568
+48,883
+12% +$318K
FBIZ icon
22
First Business Financial Services
FBIZ
$609M
$3.2M 0.88%
58,937
-7,540
-11% -$394K
WSBK
23
Winchester Bancorp
WSBK
$116M
$1.5M 0.41%
143,986
+61,434
+74% +$599K
NSTS icon
24
NSTS Bancorp
NSTS
$74.1M
$345K 0.09%
26,664
-11,435
-30% -$130K
SHFS icon
25
SHF Holdings
SHFS
$1.96M
$326K 0.09%
308,000
+196,057
+175% +$489K
1
2

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M3F Inc's Q4 2025 Portfolio in Review

As of Q4 2025, M3F Inc held 29 positions worth $364M, up 3.2% from $353M the previous quarter. Its ten largest holdings account for 82% of the portfolio.

M3F Inc's Q4 2025 filing shows 1 new, 10 increased, 9 reduced and 4 closed positions. Its largest new stake was Washington Trust Bancorp: 166,485 shares worth $4.92M. The largest sale was Ponce Financial Group, an estimated $6.16M.

By sector, the portfolio is most concentrated in Financials at 52% of assets, down from 54% a quarter earlier, followed by Industrials.

  • M3F Inc's largest Q4 2025 buy was Washington Trust Bancorp: 166,485 shares worth $4.92M.
  • M3F Inc added most to Willis Lease Finance in Q4 2025, an estimated $9.21M increase.
  • M3F Inc's biggest Q4 2025 reduction was Ponce Financial Group, cutting an estimated $6.16M.
  • M3F Inc fully exited Beacon Financial Corp in Q4 2025, selling an estimated $3.16M.
  • M3F Inc's ten largest holdings make up 82% of its $364M portfolio in Q4 2025.
  • M3F Inc opened 1 new position and closed 4 in Q4 2025.
  • M3F Inc's portfolio value rose 3.2% quarter-over-quarter to $364M.

Based on M3F Inc's 13F filing for Q4 2025, filed 13 Feb 2026.