Latest M3F, Inc. Stock Portfolio

$403Million | No. of Holdings #28

M3F, Inc. Performance

2026 Q1+6.65%

YTD+6.65%

2025+1.04%

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

On 2026-04-28, the fund reported it's updated stock portfolio. In the 13F Holdings report, M3F, Inc. reported an equity portfolio of $403.5 Millions as of 31 Mar, 2026. <br><br> The top stock holdings of M3F, Inc. are WLFC, PDLB, AER. The fund has invested 28.6% of it's portfolio in WILLIS LEASE FINANCE CORP and 8.3% of portfolio in PONCE FINANCIAL GROUP INC. <br><br> The fund managers got completely rid off BANKFINANCIAL CORP (BFIN) and AVIDIA BANCORP INC stocks. They significantly reduced their stock positions in AIR LEASE CORP (AL), WINCHESTER BANCORP INC and FIRST BUS FINL SVCS INC WIS COM (FBIZ). M3F, Inc. opened new stock positions in BRIGHTHOUSE FINANCIAL INC (BHF), NORTHFIELD BANCORP INC DEL COM (NFBK) and GREEN DOT CORP (GDOT). The fund showed a lot of confidence in some stocks as they added substantially to AERSALE CORP (ASLE), SWK HLDGS CORP COM (SWKH) and AERCAP HOLDINGS NV SHS (AER).

M3F, Inc. Equity Portfolio Value

Last Reported on: 28 Apr, 2026

$403Million

as of Apr 28, 2026

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

Our best estimate is that M3F, Inc. made a return of 6.65% in the last quarter. In trailing 12 months, it's portfolio return was 11.92%.

Performance
S&P 500

New Buys

Ticker	$ Bought
brighthouse financial inc	16,766,000
northfield bancorp inc del com	10,516,000
green dot corp	8,402,000
virginia national bankshares	220,000
auburn natl bancorp com	218,000

New stocks bought by M3F, Inc.

Additions

Ticker	% Inc.
aersale corp	20.02
swk hldgs corp com	16.62
aercap holdings nv shs	14.15
ponce financial group inc	7.97
ni holdings inc	7.9
cb finl svcs inc com	4.53
broadway financial corp/de	3.51
pioneer bancorp inc/ny	1.87

Additions to existing portfolio by M3F, Inc.

Reductions

Ticker	% Reduced
air lease corp	-91.29
winchester bancorp inc	-82.92
first bus finl svcs inc wis com	-49.63
provident finl hldgs inc com	-5.01
parke bancorp inc	-2.12
security natl finl corp cl a new	-1.57
rhinebeck bancorp inc	-0.49

M3F, Inc. reduced stake in above stock

Sold off

Ticker	$ Sold
bankfinancial corp	-5,901,000
avidia bancorp inc	-3,738,000

M3F, Inc. got rid off the above stocks

Sector Distribution

M3F, Inc. has about 50.1% of it's holdings in Financial Services sector.

Financial Services
Industrials
Others

Sector	%
Financial Services	50.1
Industrials	35.3
Others	14.6

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	61.4
MICRO-CAP	18.4
UNALLOCATED	14.6
MID-CAP	4.8

Stocks belong to which Index?

About 76.1% of the stocks held by M3F, Inc. either belong to S&P 500 or RUSSELL 2000 index.

RUSSELL 2000
Others

Index	%
RUSSELL 2000	76.1
Others	23.9

Top 5 Winners (%)		%
RBKB	rhinebeck bancorp inc	28.2 %
WLFC	willis lease finance corp	25.5 %
	summit state bank	14.9 %
PKBK	parke bancorp inc	13.3 %
WASH	washington trust bancorp inc	13.2 %

Top 5 Winners ($)		$
WLFC	willis lease finance corp	23.4 M
RBKB	rhinebeck bancorp inc	3.4 M
PKBK	parke bancorp inc	1.1 M
SNFCA	security natl finl corp cl a new	1.0 M
PBFS	pioneer bancorp inc/ny	0.9 M

Top 5 Losers (%)		%
	shf holdings inc	-21.5 %
ASLE	aersale corp	-11.6 %
NSTS	nsts bancorp inc	-9.9 %
AER	aercap holdings nv shs	-4.3 %
NODK	ni holdings inc	-3.0 %

Top 5 Losers ($)		$
ASLE	aersale corp	-3.2 M
AER	aercap holdings nv shs	-1.5 M
NODK	ni holdings inc	-0.7 M
SWKH	swk hldgs corp com	-0.2 M
CBFV	cb finl svcs inc com	-0.1 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 28 stocks in it's portfolio. About 80.9% of the portfolio is in top 10 stocks. ASLE proved to be the most loss making stock for the portfolio. WLFC was the most profitable stock for M3F, Inc. last quarter.

$403.50MTotal Value

30.00Positions

28 Apr, 2026Last Reported

Current holdings of Current Stock Holdings of M3F, Inc., last reported on 28 Apr, 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	8.09%	238,000	$32.65M 8.09%	increased 14.15 percentadded

AL Air Lease Corp Air Lease CorpAL M3F, Inc.'s holding in Air Lease Corp over time	0.63%	39,051	$2.54M 0.63%	decreased 91.29 percentreduced

ALRS Alerus Financial Corp Alerus Financial CorpALRS M3F, Inc.'s holding in Alerus Financial Corp over time	2.45%	417,108	$9.89M 2.45%	increased 1.45 percentadded

ASLE Aersale Corp Aersale CorpASLE M3F, Inc.'s holding in Aersale Corp over time	6.14%	3,983,630	$24.78M 6.14%	increased 20.02 percentadded

AUBN Auburn Natl Bancorp Com Auburn Natl Bancorp ComAUBN M3F, Inc.'s holding in Auburn Natl Bancorp Com over time	0.05%	9,151	$218.0K 0.05%	new position

BFIN Bankfinancial Corp Bankfinancial CorpBFIN M3F, Inc.'s holding in Bankfinancial Corp 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	4.16%	280,000	$16.77M 4.16%	new position

BSBK Bogota Financial Corp Bogota Financial CorpBSBK M3F, Inc.'s holding in Bogota Financial Corp over time	1.04%	493,732	$4.20M 1.04%	unchanged 0 percentunchanged

BYFC Broadway Financial Corp/De Broadway Financial Corp/DeBYFC M3F, Inc.'s holding in Broadway Financial Corp/De over time	0.85%	474,685	$3.45M 0.85%	increased 3.51 percentadded

CBFV Cb Finl Svcs Inc Com Cb Finl Svcs Inc ComCBFV M3F, Inc.'s holding in Cb Finl Svcs Inc Com over time	1.45%	171,439	$5.86M 1.45%	increased 4.53 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	0.4%	29,685	$1.60M 0.4%	decreased 49.63 percentreduced

GDOT Green Dot Corp Green Dot CorpGDOT M3F, Inc.'s holding in Green Dot Corp over time	2.08%	748,806	$8.40M 2.08%	new position

MGYR Magyar Bancorp Inc Com Magyar Bancorp Inc ComMGYR M3F, Inc.'s holding in Magyar Bancorp Inc Com over time	1.22%	283,894	$4.91M 1.22%	increased 1.26 percentadded

NFBK Northfield Bancorp Inc Del Com Northfield Bancorp Inc Del ComNFBK M3F, Inc.'s holding in Northfield Bancorp Inc Del Com over time	2.61%	776,630	$10.52M 2.61%	new position

NODK Ni Holdings Inc Ni Holdings IncNODK M3F, Inc.'s holding in Ni Holdings Inc over time	5.28%	1,652,020	$21.30M 5.28%	increased 7.9 percentadded

NSTS Nsts Bancorp Inc Nsts Bancorp IncNSTS M3F, Inc.'s holding in Nsts Bancorp Inc over time	0.08%	26,664	$311.0K 0.08%	unchanged 0 percentunchanged

PBFS Pioneer Bancorp Inc/Ny Pioneer Bancorp Inc/NyPBFS M3F, Inc.'s holding in Pioneer Bancorp Inc/Ny over time	7.15%	2,071,970	$28.84M 7.15%	increased 1.87 percentadded

PDLB Ponce Financial Group Inc Ponce Financial Group IncPDLB M3F, Inc.'s holding in Ponce Financial Group Inc over time	8.3%	2,003,960	$33.49M 8.3%	increased 7.97 percentadded

PKBK Parke Bancorp Inc Parke Bancorp IncPKBK M3F, Inc.'s holding in Parke Bancorp Inc over time	2.34%	332,876	$9.45M 2.34%	decreased 2.12 percentreduced

PROV Provident Finl Hldgs Inc Com Provident Finl Hldgs Inc ComPROV M3F, Inc.'s holding in Provident Finl Hldgs Inc Com over time	1.14%	284,594	$4.59M 1.14%	decreased 5.01 percentreduced