Latest M3F, Inc. Stock Portfolio
M3F, Inc. Performance:
2025 Q4: 2.43%YTD: 1.04%2024: 48.95%
Performance for 2025 Q4 is 2.43%, and YTD is 1.04%, and 2024 is 48.95%.
About M3F, Inc. and 13F Hedge Fund Stock Holdings
On 2026-02-13, the fund reported it's updated stock portfolio. In the 13F Holdings report, M3F, Inc. reported an equity portfolio of $364.1 Millions as of 31 Dec, 2025.
The top stock holdings of M3F, Inc. are WLFC, PDLB, AER. The fund has invested 25.2% of it's portfolio in WILLIS LEASE FINANCE CORP and 8.3% of portfolio in PONCE FINANCIAL GROUP INC.
The fund managers got completely rid off BEACON FINANCIAL CORP (BHLB) and FB BANCORP INC stocks. They significantly reduced their stock positions in BANKFINANCIAL CORP (BFIN), AVIDIA BANCORP INC and NSTS BANCORP INC (NSTS). M3F, Inc. opened new stock positions in WASHINGTON TRUST BANCORP INC (WASH). The fund showed a lot of confidence in some stocks as they added substantially to SHF HOLDINGS INC, ALERUS FINANCIAL CORP (ALRS) and AERSALE CORP (ASLE).
The top stock holdings of M3F, Inc. are WLFC, PDLB, AER. The fund has invested 25.2% of it's portfolio in WILLIS LEASE FINANCE CORP and 8.3% of portfolio in PONCE FINANCIAL GROUP INC.
The fund managers got completely rid off BEACON FINANCIAL CORP (BHLB) and FB BANCORP INC stocks. They significantly reduced their stock positions in BANKFINANCIAL CORP (BFIN), AVIDIA BANCORP INC and NSTS BANCORP INC (NSTS). M3F, Inc. opened new stock positions in WASHINGTON TRUST BANCORP INC (WASH). The fund showed a lot of confidence in some stocks as they added substantially to SHF HOLDINGS INC, ALERUS FINANCIAL CORP (ALRS) and AERSALE CORP (ASLE).
M3F, Inc. Annual Return Estimates Vs S&P 500
Our best estimate is that M3F, Inc. made a return of 2.43% in the last quarter. In trailing 12 months, it's portfolio return was 1.04%.
- Performance
- S&P 500
New Buys
| Ticker | $ Bought |
|---|---|
| washington trust bancorp inc | 4,920,000 |
New stocks bought by M3F, Inc.
Additions
| Ticker | % Inc. |
|---|---|
| shf holdings inc | 175 |
| winchester bancorp inc | 74.42 |
| alerus financial corp | 56.69 |
| aersale corp | 18.92 |
| swk hldgs corp com | 16.41 |
| broadway financial corp/de | 11.93 |
| willis lease finance corp | 11.75 |
| pioneer bancorp inc/ny | 7.95 |
Additions to existing portfolio by M3F, Inc.
Reductions
| Ticker | % Reduced |
|---|---|
| bankfinancial corp | -50.83 |
| avidia bancorp inc | -32.36 |
| nsts bancorp inc | -30.01 |
| provident finl hldgs inc com | -18.15 |
| ponce financial group inc | -17.73 |
| magyar bancorp inc com | -15.23 |
| parke bancorp inc | -11.47 |
| first bus finl svcs inc wis com | -11.34 |
M3F, Inc. reduced stake in above stock
Sold off
| Ticker | $ Sold |
|---|---|
| fb bancorp inc | -3,063,000 |
| beacon financial corp | -3,156,000 |
| lake shore bancorp inc/md | -972,000 |
| central plains bancshares in | -684,000 |
M3F, Inc. got rid off the above stocks
Sector Distribution
M3F, Inc. has about 44% of it's holdings in Financial Services sector.
- Financial Services
- Industrials
- Others
| Sector | % |
|---|---|
| Financial Services | 44 |
| Industrials | 39.6 |
| Others | 16.4 |
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
- MID-CAP
| Category | % |
|---|---|
| SMALL-CAP | 54.7 |
| MICRO-CAP | 18.4 |
| UNALLOCATED | 16.4 |
| MID-CAP | 9.5 |
Stocks belong to which Index?
About 69.8% of the stocks held by M3F, Inc. either belong to S&P 500 or RUSSELL 2000 index.
- RUSSELL 2000
- Others
| Index | % |
|---|---|
| RUSSELL 2000 | 69.8 |
| Others | 30.2 |
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 25 stocks in it's portfolio. About 82.2% of the portfolio is in top 10 stocks. ASLE proved to be the most loss making stock for the portfolio. AER was the most profitable stock for M3F, Inc. last quarter.
Last Reported on: 13 Feb, 2026| Ticker | Namesorted ascending | % Portfolio | Shares Held | $ Value | Type | % Change | Options | |
|---|---|---|---|---|---|---|---|---|
| AER | aercap holdings nv shs | 8.23 | 208,500 | 29,974,000 | unchanged | 0.00 | ||
| AL | air lease corp | 7.91 | 448,401 | 28,801,000 | reduced | -4.17 | ||
| ALRS | alerus financial corp | 2.54 | 411,163 | 9,259,000 | added | 56.69 | ||
| ASLE | aersale corp | 6.48 | 3,319,140 | 23,599,000 | added | 18.92 | ||
| BFIN | bankfinancial corp | 1.62 | 491,747 | 5,901,000 | reduced | -50.83 | ||
| BHLB | beacon financial corp | 0.00 | 0.00 | 0.00 | sold off | -100 | ||
| BSBK | bogota financial corp | 1.15 | 493,732 | 4,172,000 | unchanged | 0.00 | ||
| BYFC | broadway financial corp/de | 0.93 | 458,568 | 3,393,000 | added | 11.93 | ||
| CBFV | cb finl svcs inc com | 1.57 | 164,014 | 5,718,000 | unchanged | 0.00 | ||
| FBIZ | first bus finl svcs inc wis com | 0.88 | 58,937 | 3,200,000 | reduced | -11.34 | ||
| MGYR | magyar bancorp inc com | 1.33 | 280,350 | 4,844,000 | reduced | -15.23 | ||
| NODK | ni holdings inc | 5.59 | 1,531,080 | 20,363,000 | added | 4.53 | ||
| NSTS | nsts bancorp inc | 0.10 | 26,664 | 345,000 | reduced | -30.01 | ||
| PBFS | pioneer bancorp inc/ny | 7.53 | 2,033,850 | 27,416,000 | added | 7.95 | ||
| PDLB | ponce financial group inc | 8.33 | 1,855,980 | 30,345,000 | reduced | -17.73 | ||
| PKBK | parke bancorp inc | 2.34 | 340,101 | 8,516,000 | reduced | -11.47 | ||
| PROV | provident finl hldgs inc com | 1.31 | 299,594 | 4,767,000 | reduced | -18.15 | ||
| RBKB | rhinebeck bancorp inc | 3.35 | 1,015,420 | 12,205,000 | added | 1.77 | ||
| SNFCA | security natl finl corp cl a new | 5.53 | 2,233,650 | 20,125,000 | unchanged | 0.00 | ||
| SWKH | swk hldgs corp com | 4.03 | 853,454 | 14,679,000 | added | 16.41 | ||