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M3F, Inc.

Institutional InvestorSimilar funds →SEC EDGAR: CIK 1511291
Institutional-grade research for retail investors

Sector Allocation

  • Financials53.5%$209.3M
  • Consumer Discretionary32.9%$128.6M
  • Industrials7.4%$29.0M
  • Other6.3%$24.5M

AUM History

13fpro.ai/research/fund/m3f-inc-1511291

Largest positions — Q3 2026

Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.

13fpro.ai/research/fund/m3f-inc-1511291

M3F, Inc. 13F holdings — Q3 2026

$391.3M portfolio (-7.3% QoQ) · 21 holdings · Q3 2026 13F · top 10 are 82% of the stock portfolio

All holdings — M3F, Inc. (Q3 2026)

21 disclosed positions from the Form 13F-HR on SEC EDGAR, with quarter-over-quarter share changes. Largest by value first; the ten above are not repeated.

Company
ALRS$ALRSALERUS FINANCIAL CORP$13.2M—
PKBK$PKBKPARKE BANCORP, INC.$9.0M-2%
FCBM$FCBMFirst Carolina Financial Services, Inc.$8.3MNew
RBKB$RBKBRhinebeck Bancorp, Inc.$7.7M+10%
BYFC$BYFCBROADWAY FINANCIAL CORP DE$7.1M+9%
CBFV$CBFVCB Financial Services, Inc.$6.3M-0.2%
MGYR$MGYRMagyar Bancorp, Inc.$5.5M+0.1%
— SUMMIT STATE BANK - COMMON$4.4M+1%
BSBK$BSBKBogota Financial Corp.$3.8M-1%
PROV$PROVPROVIDENT FINANCIAL HOLDINGS INC$3.5M-19%
— WEST COAST COMMUNITY BANCORP - COMMON$2.7MNew

What changed in Q3 2026

Against the previous quarter's 13F: 3 new, 12 added to, 4 trimmed, 4 sold out. Share-count changes; largest moves by dollar size first.

New positions (3)

  • RIVER CITY BANK/CA - COMMON$17.4M

    first bought this quarter

  • FCBM$FCBMFirst Carolina Financial Services, Inc.$8.3M

    first bought this quarter

  • WEST COAST COMMUNITY BANCORP - COMMON$2.7M

    first bought this quarter

Added to (12)

  • WLFC$WLFCWILLIS LEASE FINANCE CORP+215%

    now $104.0M · held 11+ qtrs

  • OPFI$OPFIOppFi Inc.+221%

    now $14.8M · held 2 qtrs, 2 adds in a row

  • GDOT$GDOTGREEN DOT CORP+19%

    now $17.8M · held 3 qtrs, 3 adds in a row

  • PDLB$PDLBPonce Financial Group, Inc.+7%

    now $36.1M · held 11+ qtrs

  • ASLE$ASLEAerSale Corp+6%

    now $24.6M · held 8 qtrs, 4 adds in a row

  • SNFCA$SNFCASECURITY NATIONAL FINANCIAL CORP+5%

    now $19.2M · held 11+ qtrs

+6 more in the Excel export

Trimmed (4)

  • PROV$PROVPROVIDENT FINANCIAL HOLDINGS INC-19%

    now $3.5M · held 11+ qtrs, 6 trims in a row

  • PKBK$PKBKPARKE BANCORP, INC.-2%

    now $9.0M · held 11+ qtrs, 5 trims in a row

  • BSBK$BSBKBogota Financial Corp.-1%

    now $3.8M · held 11+ qtrs, 2 trims in a row

  • CBFV$CBFVCB Financial Services, Inc.-0.2%

    now $6.3M · held 8 qtrs

Sold out (4)

  • NFBK$NFBKNorthfield Bancorp, Inc.was $12.8M

    held 2 qtrs

  • FIRST NORTHERN COMMUNITY BAN - COMMONwas $4.4M
  • WASH$WASHWASHINGTON TRUST BANCORP INCwas $700K

    held 3 qtrs

  • SHFS$SHFSSHF Holdings, Inc.was $74K

    held 5 qtrs

Firm AUM (Form ADV): $778.2M as of 2025-12-31 · SEC IAPD

Share

Holdings by quarter

Every 13F M3F, Inc. has filed, 41 earlier quarters. Pick one to see what it held then.

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Is it too late to follow M3F?

Q3 2026 13F filed with the SEC on Oct 21, 2026. Prices are closing prices as of Oct 26, 2026.

Average quality of M3F's top 20 holdings: 51/100 (our AI quality score, weighted by position size; 15 of the 20 are scored)

Top 10 since filing

+0.9%

Value-weighted move of the 10 largest stock positions

Turnover

5%

Last quarter; 28% over the last 4

Top 10 weight

82%

Share of the stock portfolio in its 10 largest positions

Held 4+ quarters

89%

Share of portfolio value in positions held a year or more

Highest-quality names it owns(among its 100 largest positions)

The 8 highest-scoring companies in this portfolio are a Pro feature.

How these are measured
  • Moves since the quarter-end and since the filing date use our own daily closing prices, from the close on (or just before) each date to the latest close.
  • Turnover is the lesser of shares bought or sold in a quarter, valued at the quarter-end prices in the 13F, divided by the average of the two quarters' stock portfolio values.
  • Quarters held and add/trim streaks count back only through quarters whose filed holdings add up to the filing's own cover-page total (back to Q1 2024 for this fund). A change counts as an add or a trim when the split-adjusted share count moves by more than 1%.
  • Estimate, not the fund's reported cost. For each quarter in the current holding period in which the fund's share count rose (split-adjusted), we take that quarter's average daily close and weight it by the shares added; sales do not change an average cost. Quarters where the stock's price history and the 13F's own implied price disagree by more than 2x are left out.
  • Put and call option rows report the value of the underlying shares, not a position the fund paid for, so they are left out of all of the above.

Portfolio Overview

M3F, Inc. disclosed 21 positions worth $391.3M in its Form 13F-HR for Q3 2026, led by $WLFC (WILLIS LEASE FINANCE CORP) at 26.6% of the equity portfolio, followed by $PDLB and $PBFS. During the quarter the fund opened 3 new positions and exited 4 and a full exit from $NFBK. The portfolio is most concentrated in Financials (53.5% of disclosed assets). All figures are sourced directly from M3F, Inc.’s Form 13F-HR filing with the SEC under CIK 1511291.

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AI-Powered Hedge Fund Analysis: M3F, Inc.

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Every holding in M3F, Inc.'s portfolio is scored on an AI quality ranking built from its SEC filings (ROIC, FCF margin, revenue growth, institutional flow, earnings quality, shareholder dilution, and more). Track accumulation and distribution quarter over quarter, identify conviction positions, and see AI stock analysis for each position — alongside 8,700+ other institutional filers and 2,800+ AI-ranked companies.