Latest M3F, Inc. Stock Portfolio

$422Million | No. of Holdings #22

M3F, Inc. Performance

2026 Q2+18.19%

YTD+26.05%

2025+1.04%

About M3F, Inc. and 13F Hedge Fund Stock Holdings

On 2026-08-13, the fund reported it's updated stock portfolio. In the 13F Holdings report, M3F, Inc. reported an equity portfolio of $422.2 Millions as of 30 Jun, 2026. <br><br> The top stock holdings of M3F, Inc. are WLFC, PDLB, PBFS. The fund has invested 35.9% of it's portfolio in WILLIS LEASE FINANCE CORP and 8% of portfolio in PONCE FINANCIAL GROUP INC. <br><br> The fund managers got completely rid off SWK HLDGS CORP COM (SWKH), BRIGHTHOUSE FINANCIAL INC (BHF) and AIR LEASE CORP (AL) stocks. They significantly reduced their stock positions in WASHINGTON TRUST BANCORP INC (WASH), RHINEBECK BANCORP INC (RBKB) and PROVIDENT FINL HLDGS INC COM (PROV). M3F, Inc. opened new stock positions in OPPFI INC (OPFI) and FIRST NORTHERN COMMUNITY BAN (FNRN). The fund showed a lot of confidence in some stocks as they added substantially to GREEN DOT CORP (GDOT), BROADWAY FINANCIAL CORP/DE (BYFC) and NORTHFIELD BANCORP INC DEL COM (NFBK).

M3F, Inc. Equity Portfolio Value

Last Reported on: 13 Aug, 2026

$422Million

as of Aug 13, 2026

M3F, Inc. Annual Return Estimates Vs S&P 500

Our best estimate is that M3F, Inc. made a return of 18.19% in the last quarter. In trailing 12 months, it's portfolio return was 33.93%.

Performance
S&P 500

New Buys

Ticker	$ Bought
oppfi inc	7,591,000
first northern community ban	4,393,000

New stocks bought by M3F, Inc.

Additions

Ticker	% Inc.
green dot corp	62.22
broadway financial corp/de	15.35
northfield bancorp inc del com	11.97
aersale corp	11.43
magyar bancorp inc com	0.88
cb finl svcs inc com	0.15

Additions to existing portfolio by M3F, Inc.

Reductions

Ticker	% Reduced
washington trust bancorp inc	-88.47
rhinebeck bancorp inc	-45.36
provident finl hldgs inc com	-15.99
ponce financial group inc	-15.22
aercap holdings nv shs	-15.13
parke bancorp inc	-15.11
bogota financial corp	-14.21
pioneer bancorp inc/ny	-12.07

M3F, Inc. reduced stake in above stock

Sold off

Ticker	$ Sold
swk hldgs corp com	-16,929,000
brighthouse financial inc	-16,766,000
air lease corp	-2,536,000
first bus finl svcs inc wis com	-1,601,000
nsts bancorp inc	-311,000
winchester bancorp inc	-312,000
auburn natl bancorp com	-218,000
virginia national bankshares	-220,000

M3F, Inc. got rid off the above stocks

Sector Distribution

M3F, Inc. has about 43.5% of it's holdings in Financial Services sector.

Financial Services
Industrials
Others

Sector	%
Financial Services	43.5
Industrials	42.5
Others	14

Market Cap. Distribution

M3F, Inc. has about 0% of it's portfolio invested in the large-cap and mega-cap stocks.

SMALL-CAP
MICRO-CAP
UNALLOCATED
NANO-CAP

Category	%
SMALL-CAP	69.4
MICRO-CAP	15.3
UNALLOCATED	14
NANO-CAP	1.3

Stocks belong to which Index?

About 82.7% of the stocks held by M3F, Inc. either belong to S&P 500 or RUSSELL 2000 index.

RUSSELL 2000
Others

Index	%
RUSSELL 2000	82.7
Others	17.3

Top 5 Winners (%)		%
WLFC	willis lease finance corp	34.0 %
ALRS	alerus financial corp	31.2 %
BYFC	broadway financial corp/de	30.2 %
PBFS	pioneer bancorp inc/ny	21.3 %
NODK	ni holdings inc	21.2 %

Top 5 Winners ($)		$
WLFC	willis lease finance corp	39.2 M
PBFS	pioneer bancorp inc/ny	6.1 M
PDLB	ponce financial group inc	6.0 M
NODK	ni holdings inc	4.5 M
ALRS	alerus financial corp	3.1 M

Top 5 Losers (%)		%
	shf holdings inc	-71.1 %

Top 5 Losers ($)		$
	shf holdings inc	-0.2 M

M3F, Inc. Holdings Map

This heatmap illustrates the top 50 positions within the fund's portfolio.

Current Stock Holdings of M3F, Inc.

M3F, Inc. has 22 stocks in it's portfolio. About 85.5% of the portfolio is in top 10 stocks. proved to be the most loss making stock for the portfolio. WLFC was the most profitable stock for M3F, Inc. last quarter.

$422.17MTotal Value

30.00Positions

13 Aug, 2026Last Reported

Current holdings of Current Stock Holdings of M3F, Inc., last reported on 13 Aug, 2026. Select a row with a linked ticker to view its historical trend.
Holdingsorted ascending	% Portfolio	Shares Held	$ Value	% Change
AER Aercap Holdings Nv Shs Aercap Holdings Nv Shs AER M3F, Inc.'s holding in Aercap Holdings Nv Shs over time	6.97%	202,000	$29.45M 6.97%	decreased 15.13 percentreduced

AL Air Lease Corp Air Lease CorpAL M3F, Inc.'s holding in Air Lease Corp over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

ALRS Alerus Financial Corp Alerus Financial CorpALRS M3F, Inc.'s holding in Alerus Financial Corp over time	3.07%	417,108	$12.97M 3.07%	unchanged 0 percentunchanged

ASLE Aersale Corp Aersale CorpASLE M3F, Inc.'s holding in Aersale Corp over time	6.64%	4,439,010	$28.05M 6.64%	increased 11.43 percentadded

AUBN Auburn Natl Bancorp Com Auburn Natl Bancorp ComAUBN M3F, Inc.'s holding in Auburn Natl Bancorp Com over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

BHF Brighthouse Financial Inc Brighthouse Financial IncBHF M3F, Inc.'s holding in Brighthouse Financial Inc over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

BSBK Bogota Financial Corp Bogota Financial CorpBSBK M3F, Inc.'s holding in Bogota Financial Corp over time	0.91%	423,562	$3.83M 0.91%	decreased 14.21 percentreduced

BYFC Broadway Financial Corp/De Broadway Financial Corp/DeBYFC M3F, Inc.'s holding in Broadway Financial Corp/De over time	1.25%	547,529	$5.29M 1.25%	increased 15.35 percentadded

CBFV Cb Finl Svcs Inc Com Cb Finl Svcs Inc ComCBFV M3F, Inc.'s holding in Cb Finl Svcs Inc Com over time	1.54%	171,696	$6.51M 1.54%	increased 0.15 percentadded

FBIZ First Bus Finl Svcs Inc Wis Com First Bus Finl Svcs Inc Wis ComFBIZ M3F, Inc.'s holding in First Bus Finl Svcs Inc Wis Com over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

FNRN First Northern Community Ban First Northern Community Ban FNRN M3F, Inc.'s holding in First Northern Community Ban over time	1.04%	244,872	$4.39M 1.04%	new position

GDOT Green Dot Corp Green Dot CorpGDOT M3F, Inc.'s holding in Green Dot Corp over time	3.89%	1,214,680	$16.41M 3.89%	increased 62.22 percentadded

MGYR Magyar Bancorp Inc Com Magyar Bancorp Inc ComMGYR M3F, Inc.'s holding in Magyar Bancorp Inc Com over time	1.18%	286,394	$5.00M 1.18%	increased 0.88 percentadded

NFBK Northfield Bancorp Inc Del Com Northfield Bancorp Inc Del ComNFBK M3F, Inc.'s holding in Northfield Bancorp Inc Del Com over time	3.03%	869,575	$12.81M 3.03%	increased 11.97 percentadded

NODK Ni Holdings Inc Ni Holdings IncNODK M3F, Inc.'s holding in Ni Holdings Inc over time	5.78%	1,552,020	$24.38M 5.78%	decreased 6.05 percentreduced

NSTS Nsts Bancorp Inc Nsts Bancorp IncNSTS M3F, Inc.'s holding in Nsts Bancorp Inc over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

OPFI Oppfi Inc Oppfi IncOPFI M3F, Inc.'s holding in Oppfi Inc over time	1.8%	764,445	$7.59M 1.8%	new position

PBFS Pioneer Bancorp Inc/Ny Pioneer Bancorp Inc/NyPBFS M3F, Inc.'s holding in Pioneer Bancorp Inc/Ny over time	7.37%	1,821,970	$31.10M 7.37%	decreased 12.07 percentreduced

PDLB Ponce Financial Group Inc Ponce Financial Group IncPDLB M3F, Inc.'s holding in Ponce Financial Group Inc over time	8.02%	1,698,960	$33.88M 8.02%	decreased 15.22 percentreduced

PKBK Parke Bancorp Inc Parke Bancorp IncPKBK M3F, Inc.'s holding in Parke Bancorp Inc over time	2.22%	282,593	$9.37M 2.22%	decreased 15.11 percentreduced