M3F, Inc.

CIK

1511291

Location

SALT LAKE CITY, UT

Portfolio Value

Small $398,456,941

Diversification

Diversified

Filing Date

Global Rank

#2,653 / 8,232 ▲ 352

Top Industry

Rental & Leasing Services 39.4%

3Y Alpha vs SPY

+10.8%

Period ended 2 months ago

Filed Apr 28, 2026 · 47d

25 quarters · since Mar 2020

Clone Performance

Jun 2023–Jun 2026 · vs SPY

Hypothetical growth of cloning every reported 13F position and rebalancing on each filing, indexed to the same start.

Cloned portfolio

+132.0%

SPY

+76.3%

Annualised alpha

+11.6%

Max drawdown

−22.5%

Estimate. 13F holdings are quarter-lagged and long-only, so the clone rebalances about 45 days after each period end — when the filing becomes public — and excludes options and short positions. Past performance does not predict future results.

Portfolio Concentration

26 positions · as of Mar 31, 2026 · Δ vs Dec 31, 2025

Top Position

28.9%

+3.0 pts

Top 5

59.0%

+0.1 pts

Top 10

81.9%

−2.7 pts

HHI

1,206

Diversified+95

Portfolio Trend

25 quarters · across all stocks

Sector Breakdown

As of Mar 31, 2026

Sector	% Portfolio	Value	Positions
Financial Services	51.8%	$206,256,391	21
Industrials	44.0%	$175,271,246	4
Unclassified	4.2%	$16,929,304	1

Last Quarter's Activity

Export CSV

Mar 31, 2026 vs Dec 31, 2025

Added To

Positions the filer increased

10 positions

Ticker	Company	Δ Shares	Shares	Value
ASLE	AerSale Corp	+664,487	3,983,632	$24,778,191
PDLB	Ponce Financial Group, Inc.	+147,979	2,003,960	$33,486,171
SWKHL	SWK Holdings Corp	+141,802	995,256	$16,929,304
NODK	NI Holdings, Inc.	+120,938	1,652,020	$21,294,537
PBFS	Pioneer Bancorp, Inc./MD	+38,119	2,071,973	$28,841,864
AER	AerCap Holdings N.V.	+29,500	238,000	$32,648,840
BYFC	Broadway Financial Corp \De\	+16,117	474,685	$3,446,213
CBFV	CB Financial Services, Inc.	+7,425	171,439	$5,859,785
ALRS	Alerus Financial Corp	+5,945	417,108	$9,889,630
MGYR	Magyar Bancorp, Inc.	+3,544	283,894	$4,914,205
No positions match the current search.

Trimmed

Positions the filer reduced

7 positions

Ticker	Company	Δ Shares	Shares	Value
AL	SUMISHO AIR LEASE CORP	−409,350	39,051	$2,535,971
WSBK	Winchester Bancorp, Inc./MD/	−119,400	24,586	$312,242
SNFCA	Security National Financial Corp	−35,000	2,198,648	$20,843,183
FBIZ	First Business Financial Services, Inc.	−29,252	29,685	$1,600,912
PROV	Provident Financial Holdings Inc	−15,000	284,594	$4,587,655
PKBK	Parke Bancorp, Inc.	−7,225	332,876	$9,453,678
RBKB	Rhinebeck Bancorp, Inc.	−5,000	1,010,420	$15,580,676
No positions match the current search.

New Positions

Positions the filer opened this quarter

5 positions

Ticker	Company	Shares	Value
BHF	Brighthouse Financial, Inc.	280,000	$16,766,400
NFBK	Northfield Bancorp, Inc.	776,630	$10,515,570
GDOT	Green Dot Corp	748,806	$8,401,603
VABK	Virginia National Bankshares Corp	5,769	$220,375
AUBN	Auburn National Bancorporation, Inc	9,151	$218,434
No positions match the current search.

Sold Out

Positions the filer fully exited

1 positions

Ticker	Company	Shares	Value	Open
AVBC	Avidia Bancorp, Inc.	222,361	$3,737,888
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

26 positions · $398,456,941 total · as of Mar 31, 2026

All sectors Financial Services Industrials

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
WLFC	Willis Lease Finance Corp Industrials	Held	677,248	0	$115,308,244	+25.5%	28.94%
PDLB	Ponce Financial Group, Inc. Financial Services	Added	2,003,960	+147,979	$33,486,171	+10.4%	8.40%
AER	AerCap Holdings N.V. Industrials	Added	238,000	+29,500	$32,648,840	+8.9%	8.19%
PBFS	Pioneer Bancorp, Inc./MD Financial Services	Added	2,071,973	+38,119	$28,841,864	+5.2%	7.24%
ASLE	AerSale Corp Industrials	Added	3,983,632	+664,487	$24,778,191	+5.0%	6.22%
NODK	NI Holdings, Inc. Financial Services	Added	1,652,020	+120,938	$21,294,537	+4.6%	5.34%
SNFCA	Security National Financial Corp Financial Services	Reduced	2,198,648	-35,000	$20,843,183	+3.6%	5.23%
SWKHL	SWK Holdings Corp	Added	995,256	+141,802	$16,929,304	+15.3%	4.25%
BHF	Brighthouse Financial, Inc. Financial Services	NEW	280,000	NEW	$16,766,400	NEW	4.21%
RBKB	Rhinebeck Bancorp, Inc. Financial Services	Reduced	1,010,420	-5,000	$15,580,676	+27.7%	3.91%
NFBK	Northfield Bancorp, Inc. Financial Services	NEW	776,630	NEW	$10,515,570	NEW	2.64%
ALRS	Alerus Financial Corp Financial Services	Added	417,108	+5,945	$9,889,630	+6.8%	2.48%
PKBK	Parke Bancorp, Inc. Financial Services	Reduced	332,876	-7,225	$9,453,678	+11.0%	2.37%
GDOT	Green Dot Corp Financial Services	NEW	748,806	NEW	$8,401,603	NEW	2.11%
CBFV	CB Financial Services, Inc. Financial Services	Added	171,439	+7,425	$5,859,785	+2.5%	1.47%
WASH	Washington Trust Bancorp Inc Financial Services	Held	166,485	0	$5,570,588	+13.2%	1.40%
MGYR	Magyar Bancorp, Inc. Financial Services	Added	283,894	+3,544	$4,914,205	+1.4%	1.23%
PROV	Provident Financial Holdings Inc Financial Services	Reduced	284,594	-15,000	$4,587,655	−3.8%	1.15%
BSBK	Bogota Financial Corp. Financial Services	Held	493,732	0	$4,196,722	+0.6%	1.05%
BYFC	Broadway Financial Corp \De\ Financial Services	Added	474,685	+16,117	$3,446,213	+1.6%	0.86%
AL	SUMISHO AIR LEASE CORP Industrials	Reduced	39,051	-409,350	$2,535,971	−91.2%	0.64%
FBIZ	First Business Financial Services, Inc. Financial Services	Reduced	29,685	-29,252	$1,600,912	−50.0%	0.40%
WSBK	Winchester Bancorp, Inc./MD/ Financial Services	Reduced	24,586	-119,400	$312,242	−79.2%	0.08%
SHFS	SHF Holdings, Inc. Financial Services	Held	308,000	0	$255,948	−21.6%	0.06%
VABK	Virginia National Bankshares Corp Financial Services	NEW	5,769	NEW	$220,375	NEW	0.06%
AUBN	Auburn National Bancorporation, Inc Financial Services	NEW	9,151	NEW	$218,434	NEW	0.05%