Latest M3F, Inc. Stock Portfolio
M3F, Inc. Performance:
2025 Q3: 4.23%YTD: -4.02%2024: 51.83%
Performance for 2025 Q3 is 4.23%, and YTD is -4.02%, and 2024 is 51.83%.
About M3F, Inc. and 13F Hedge Fund Stock Holdings
In it's latest 13F Holdings report, M3F, Inc. reported an equity portfolio of $352.9 Millions as of 30 Sep, 2025.
The top stock holdings of M3F, Inc. are WLFC, PDLB, AL. The fund has invested 23.6% of it's portfolio in WILLIS LEASE FINANCE CORP and 9.4% of portfolio in PONCE FINANCIAL GROUP INC.
The fund managers got completely rid off EASTERN BANKSHARES INC (EBC), TIMBERLAND BANCORP INC (TSBK) and BROOKLINE BANCORP INC (BRKL) stocks. They significantly reduced their stock positions in SHF HOLDINGS INC, FIRST BUS FINL SVCS INC WIS COM (FBIZ) and AERSALE CORP (ASLE). M3F, Inc. opened new stock positions in AVIDIA BANCORP INC and BEACON FINANCIAL CORP (BHLB). The fund showed a lot of confidence in some stocks as they added substantially to WINCHESTER BANCORP INC, ALERUS FINANCIAL CORP (ALRS) and BROADWAY FINANCIAL CORP/DE (BYFC).
The top stock holdings of M3F, Inc. are WLFC, PDLB, AL. The fund has invested 23.6% of it's portfolio in WILLIS LEASE FINANCE CORP and 9.4% of portfolio in PONCE FINANCIAL GROUP INC.
The fund managers got completely rid off EASTERN BANKSHARES INC (EBC), TIMBERLAND BANCORP INC (TSBK) and BROOKLINE BANCORP INC (BRKL) stocks. They significantly reduced their stock positions in SHF HOLDINGS INC, FIRST BUS FINL SVCS INC WIS COM (FBIZ) and AERSALE CORP (ASLE). M3F, Inc. opened new stock positions in AVIDIA BANCORP INC and BEACON FINANCIAL CORP (BHLB). The fund showed a lot of confidence in some stocks as they added substantially to WINCHESTER BANCORP INC, ALERUS FINANCIAL CORP (ALRS) and BROADWAY FINANCIAL CORP/DE (BYFC).
M3F, Inc. Annual Return Estimates Vs S&P 500
Our best estimate is that M3F, Inc. made a return of 4.23% in the last quarter. In trailing 12 months, it's portfolio return was 8.55%.
New Buys
| Ticker | $ Bought |
|---|---|
| avidia bancorp inc | 4,912,000 |
| beacon financial corp | 3,156,000 |
| lake shore bancorp inc/md | 972,000 |
New stocks bought by M3F, Inc.
Additions
| Ticker | % Inc. |
|---|---|
| winchester bancorp inc | 39.16 |
| alerus financial corp | 21.09 |
| broadway financial corp/de | 19.02 |
| aercap holdings nv shs | 17.46 |
| willis lease finance corp | 6.89 |
| security natl finl corp cl a new | 5.24 |
| swk hldgs corp com | 4.97 |
| air lease corp | 4.35 |
Additions to existing portfolio by M3F, Inc.
Reductions
| Ticker | % Reduced |
|---|---|
| shf holdings inc | -59.78 |
| first bus finl svcs inc wis com | -31.16 |
| aersale corp | -19.63 |
| fb bancorp inc | -18.77 |
| magyar bancorp inc com | -16.31 |
| parke bancorp inc | -12.27 |
| pioneer bancorp inc/ny | -9.87 |
| provident finl hldgs inc com | -8.76 |
M3F, Inc. reduced stake in above stock
Sold off
| Ticker | $ Sold |
|---|---|
| eastern bankshares inc | -7,448,000 |
| brookline bancorp inc | -4,441,000 |
| timberland bancorp inc | -5,348,000 |
| oak valley bancorp | -3,101,000 |
| lake shore bancorp inc com | -1,683,000 |
M3F, Inc. got rid off the above stocks
Sector Distribution
M3F, Inc. has about 44.5% of it's holdings in Financial Services sector.
| Sector | % |
|---|---|
| Financial Services | 44.5 |
| Industrials | 38.5 |
| Others | 17 |
Market Cap. Distribution
M3F, Inc. has about 0% of it's portfolio invested in the large-cap and mega-cap stocks.
| Category | % |
|---|---|
| SMALL-CAP | 39.2 |
| MICRO-CAP | 34.6 |
| UNALLOCATED | 17 |
| MID-CAP | 8.4 |
Stocks belong to which Index?
About 66.4% of the stocks held by M3F, Inc. either belong to S&P 500 or RUSSELL 2000 index.
| Index | % |
|---|---|
| RUSSELL 2000 | 66.4 |
| Others | 33.6 |
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 28 stocks in it's portfolio. About 79.7% of the portfolio is in top 10 stocks. WLFC proved to be the most loss making stock for the portfolio. ASLE was the most profitable stock for M3F, Inc. last quarter.
Last Reported on: 12 Nov, 2025| Ticker | Namesorted ascending | % Portfolio | Shares Held | $ Value | Type | % Change | Options | |
|---|---|---|---|---|---|---|---|---|
| AL | air lease corp | 8.44 | 467,901 | 29,782,000 | added | 4.35 | ||
| ALRS | alerus financial corp | 1.65 | 262,403 | 5,810,000 | added | 21.09 | ||
| ASLE | aersale corp | 6.48 | 2,791,070 | 22,859,000 | reduced | -19.63 | ||
| BFIN | bankfinancial corp | 3.41 | 1,000,000 | 12,030,000 | reduced | -6.13 | ||
| BHLB | beacon financial corp | 0.89 | 133,121 | 3,156,000 | new | |||
| BRKL | brookline bancorp inc | 0.00 | 0.00 | 0.00 | sold off | -100 | ||
| BSBK | bogota financial corp | 1.27 | 493,732 | 4,492,000 | reduced | -0.26 | ||
| BYFC | broadway financial corp/de | 0.83 | 409,685 | 2,933,000 | added | 19.02 | ||
| CBFV | cb finl svcs inc com | 1.54 | 164,014 | 5,447,000 | reduced | -6.47 | ||
| EBC | eastern bankshares inc | 0.00 | 0.00 | 0.00 | sold off | -100 | ||
| FBIZ | first bus finl svcs inc wis com | 0.97 | 66,477 | 3,408,000 | reduced | -31.16 | ||
| LSBK | lake shore bancorp inc com | 0.00 | 0.00 | 0.00 | sold off | -100 | ||
| MGYR | magyar bancorp inc com | 1.62 | 330,732 | 5,712,000 | reduced | -16.31 | ||
| NODK | ni holdings inc | 5.63 | 1,464,790 | 19,863,000 | added | 0.07 | ||
| NSTS | nsts bancorp inc | 0.12 | 38,099 | 440,000 | unchanged | 0.00 | ||
| OVLY | oak valley bancorp | 0.00 | 0.00 | 0.00 | sold off | -100 | ||
| PBFS | pioneer bancorp inc/ny | 6.97 | 1,884,080 | 24,606,000 | reduced | -9.87 | ||
| PDLB | ponce financial group inc | 9.40 | 2,255,980 | 33,163,000 | reduced | -2.58 | ||
| PKBK | parke bancorp inc | 2.35 | 384,157 | 8,279,000 | reduced | -12.27 | ||
| PROV | provident finl hldgs inc com | 1.63 | 366,036 | 5,765,000 | reduced | -8.76 | ||