Latest M3F, Inc. Stock Portfolio

$391Million | No. of Holdings #21

M3F, Inc. Performance

2026 Q3-39.82%

YTD-24.14%

2025+1.04%

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

On 2026-10-21, the fund reported it's updated stock portfolio. In the 13F Holdings report, M3F, Inc. reported an equity portfolio of $391.3 Millions as of 30 Sep, 2026. <br><br> The top stock holdings of M3F, Inc. are WLFC, PDLB, PBFS. The fund has invested 26.6% of it's portfolio in WILLIS LEASE FINANCE CORP and 9.2% of portfolio in PONCE FINANCIAL GROUP INC. <br><br> The fund managers got completely rid off NORTHFIELD BANCORP INC DEL COM (NFBK), RHINEBECK BANCORP INC (RBKB) and FIRST NORTHERN COMMUNITY BAN (FNRN) stocks. They significantly reduced their stock positions in PROVIDENT FINL HLDGS INC COM (PROV), PARKE BANCORP INC (PKBK) and BOGOTA FINANCIAL CORP (BSBK). M3F, Inc. opened new stock positions in RIVER CITY BANK/CA and RHINEBECK BANCORP INC (RBKB). The fund showed a lot of confidence in some stocks as they added substantially to OPPFI INC (OPFI), WILLIS LEASE FINANCE CORP (WLFC) and GREEN DOT CORP (GDOT).

M3F, Inc. Equity Portfolio Value

Last Reported on: 21 Oct, 2026

$391Million

as of Oct 21, 2026

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

Our best estimate is that M3F, Inc. made a return of -39.82% in the last quarter. In trailing 12 months, it's portfolio return was -22.3%.

Performance
S&P 500

New Buys

Ticker	$ Bought
river city bank/ca	17,372,000
first carolina financial ser	8,334,000
rhinebeck bancorp inc	7,708,000
west coast community bancorp	2,690,000

New stocks bought by M3F, Inc.

Additions

Ticker	% Inc.
oppfi inc	220
willis lease finance corp	214
green dot corp	19.27
broadway financial corp/de	9.39
ponce financial group inc	6.57
aersale corp	5.66
security natl finl corp cl a new	4.86
ni holdings inc	3.31

Additions to existing portfolio by M3F, Inc.

Reductions

Ticker	% Reduced
provident finl hldgs inc com	-18.58
parke bancorp inc	-2.29
bogota financial corp	-1.28
cb finl svcs inc com	-0.19

M3F, Inc. reduced stake in above stock

Sold off

Ticker	$ Sold
northfield bancorp inc del com	-12,809,000
rhinebeck bancorp inc	-9,556,000
shf holdings inc	-74,000
first northern community ban	-4,393,000
washington trust bancorp inc	-700,000

M3F, Inc. got rid off the above stocks

Sector Distribution

M3F, Inc. has about 46.4% of it's holdings in Financial Services sector.

Financial Services
Industrials
Others

Sector	%
Financial Services	46.4
Industrials	32.9
Others	20.7

Market Cap. Distribution

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

SMALL-CAP
UNALLOCATED
MICRO-CAP
NANO-CAP

Category	%
SMALL-CAP	60.6
UNALLOCATED	20.7
MICRO-CAP	16.9
NANO-CAP	1.8

Stocks belong to which Index?

About 75.6% of the stocks held by M3F, Inc. either belong to S&P 500 or RUSSELL 2000 index.

RUSSELL 2000
Others

Index	%
RUSSELL 2000	75.6
Others	24.4

Top 5 Winners (%)		%
BYFC	broadway financial corp/de	21.3 %
MGYR	magyar bancorp inc com	9.2 %
PROV	provident finl hldgs inc com	4.3 %
PBFS	pioneer bancorp inc/ny	4.0 %
ALRS	alerus financial corp	1.5 %

Top 5 Winners ($)		$
PBFS	pioneer bancorp inc/ny	1.3 M
BYFC	broadway financial corp/de	1.2 M
MGYR	magyar bancorp inc com	0.5 M
ALRS	alerus financial corp	0.2 M
PROV	provident finl hldgs inc com	0.2 M

Top 5 Losers (%)		%
WLFC	willis lease finance corp	-70.3 %
OPFI	oppfi inc	-29.8 %
ASLE	aersale corp	-16.7 %
SNFCA	security natl finl corp cl a new	-10.0 %
	summit state bank	-9.3 %

Top 5 Losers ($)		$
WLFC	willis lease finance corp	-245.6 M
OPFI	oppfi inc	-6.3 M
ASLE	aersale corp	-4.9 M
SNFCA	security natl finl corp cl a new	-2.1 M
GDOT	green dot corp	-1.6 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 21 stocks in it's portfolio. About 81.7% of the portfolio is in top 10 stocks. WLFC proved to be the most loss making stock for the portfolio. PBFS was the most profitable stock for M3F, Inc. last quarter.

$391.34MTotal Value

26.00Positions

21 Oct, 2026Last Reported

Current holdings of Current Stock Holdings of M3F, Inc., last reported on 21 Oct, 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	7.41%	202,000	$28.99M 7.41%	unchanged 0 percentunchanged

ALRS Alerus Financial Corp Alerus Financial CorpALRS M3F, Inc.'s holding in Alerus Financial Corp over time	3.37%	417,108	$13.17M 3.37%	unchanged 0 percentunchanged

ASLE Aersale Corp Aersale CorpASLE M3F, Inc.'s holding in Aersale Corp over time	6.28%	4,690,180	$24.58M 6.28%	increased 5.66 percentadded

BSBK Bogota Financial Corp Bogota Financial CorpBSBK M3F, Inc.'s holding in Bogota Financial Corp over time	0.97%	418,135	$3.78M 0.97%	decreased 1.28 percentreduced

BYFC Broadway Financial Corp/De Broadway Financial Corp/DeBYFC M3F, Inc.'s holding in Broadway Financial Corp/De over time	1.81%	598,964	$7.09M 1.81%	increased 9.39 percentadded

CBFV Cb Finl Svcs Inc Com Cb Finl Svcs Inc ComCBFV M3F, Inc.'s holding in Cb Finl Svcs Inc Com over time	1.61%	171,377	$6.31M 1.61%	decreased 0.19 percentreduced

FNRN First Northern Community Ban First Northern Community Ban FNRN M3F, Inc.'s holding in First Northern Community Ban over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

GDOT Green Dot Corp Green Dot CorpGDOT M3F, Inc.'s holding in Green Dot Corp over time	4.55%	1,448,700	$17.82M 4.55%	increased 19.27 percentadded

MGYR Magyar Bancorp Inc Com Magyar Bancorp Inc ComMGYR M3F, Inc.'s holding in Magyar Bancorp Inc Com over time	1.4%	286,816	$5.46M 1.4%	increased 0.15 percentadded

NFBK Northfield Bancorp Inc Del Com Northfield Bancorp Inc Del ComNFBK M3F, Inc.'s holding in Northfield Bancorp Inc Del Com over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

NODK Ni Holdings Inc Ni Holdings IncNODK M3F, Inc.'s holding in Ni Holdings Inc over time	6.11%	1,603,340	$23.92M 6.11%	increased 3.31 percentadded

OPFI Oppfi Inc Oppfi IncOPFI M3F, Inc.'s holding in Oppfi Inc over time	3.78%	2,453,550	$14.79M 3.78%	increased 220.96 percentadded

PBFS Pioneer Bancorp Inc/Ny Pioneer Bancorp Inc/NyPBFS M3F, Inc.'s holding in Pioneer Bancorp Inc/Ny over time	8.44%	1,860,110	$33.04M 8.44%	increased 2.09 percentadded

PDLB Ponce Financial Group Inc Ponce Financial Group IncPDLB M3F, Inc.'s holding in Ponce Financial Group Inc over time	9.22%	1,810,520	$36.10M 9.22%	increased 6.57 percentadded

PKBK Parke Bancorp Inc Parke Bancorp IncPKBK M3F, Inc.'s holding in Parke Bancorp Inc over time	2.31%	276,133	$9.03M 2.31%	decreased 2.29 percentreduced

PROV Provident Finl Hldgs Inc Com Provident Finl Hldgs Inc ComPROV M3F, Inc.'s holding in Provident Finl Hldgs Inc Com over time	0.9%	194,661	$3.51M 0.9%	decreased 18.58 percentreduced

RBKB Rhinebeck Bancorp Inc Rhinebeck Bancorp IncRBKB M3F, Inc.'s holding in Rhinebeck Bancorp Inc over time	1.97%	607,402	$7.71M 1.97%	new position

RBKB Rhinebeck Bancorp Inc Rhinebeck Bancorp IncRBKB M3F, Inc.'s holding in Rhinebeck Bancorp Inc over time	0%	0.00	$0.00 0%	decreased 100 percentsold off

SNFCA Security Natl Finl Corp Cl A New Security Natl Finl Corp Cl A New SNFCA M3F, Inc.'s holding in Security Natl Finl Corp Cl A New over time	4.92%	2,211,080	$19.24M 4.92%	increased 4.86 percentadded

WASH Washington Trust Bancorp Inc Washington Trust Bancorp IncWASH M3F, Inc.'s holding in Washington Trust Bancorp Inc over time	0%	0.00	$0.00 0%	decreased 100 percentsold off