M3F, Inc.

All Holdings — 2025 Q4

Portfolio Concentration Analytics: 7.6
Risk-based ENB:
Total Positions
29
Quarter
2025 Q4
Top Holding
WLFC (25.2%)
Top 10 Concentration
82.2%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 29
Stock History Sector / Type Port % Prev % Rank / Prev Conviction Change % Change Influence Shares Mkt Value Avg Cost Price Held 1st Owned Source Source Date Date Reported
WLFC
Willis Lease Fi...
Industrials 25.23% 23.54% #1
Prev: #1
10.0 71,222 11.8%
P
S
677,248 $91,862,000 2012 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
PDLB
PONCE FINANCIAL...
Financial Services 8.33% 9.40% #2
Prev: #2
3.4 -400,000 -17.7%
P
S
1,855,981 $30,345,000 2017 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
AER
AERCAP HOLDINGS...
Industrials 8.23% 7.15% #3 1
Prev: #4
3.3 no change no change
P
S
208,500 $29,974,000 2025 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
AL
Air Lease Corp
Industrials 7.91% 8.44% #4 1
Prev: #3
3.2 -19,500 -4.2%
P
S
448,401 $28,801,000 2025 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
PBFS
PIONEER BANCORP...
Financial Services 7.53% 6.97% #5
Prev: #5
5.0 149,773 7.9%
P
S
2,033,854 $27,416,000 2019 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
ASLE
AERSALE CORP
Industrials 6.48% 6.48% #6
Prev: #6
4.6 528,071 18.9%
P
S
3,319,145 $23,599,000 2024 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
NODK
NI HOLDINGS INC
Financial Services 5.59% 5.63% #7
Prev: #7
4.3 66,288 4.5%
P
S
1,531,082 $20,363,000 2017 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
SNFCA
SECURITY NATL F...
Financial Services 5.53% 5.49% #8
Prev: #8
2.2 no change no change
P
S
2,233,648 $20,125,000 2018 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
SWKH
SWK HLDGS CORP ...
Financial Services 4.03% 3.02% #9 2
Prev: #11
3.7 120,299 16.4%
P
S
853,454 $14,679,000 2021 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
RBKB
RHINEBECK BANCO...
Financial Services 3.35% 3.21% #10
Prev: #10
3.3 17,620 1.8%
P
S
1,015,420 $12,205,000 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
ALRS
ALERUS FINANCIA...
Financial Services 2.54% 1.65% #11 2
Prev: #13
3.2 148,760 56.7%
P
S
411,163 $9,259,000 2019 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
PKBK
PARKE BANCORP I...
Financial Services 2.34% 2.35% #12
Prev: #12
1.0 -44,056 -11.5%
P
S
340,101 $8,516,000 2021 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
BFIN
BankFinancial C...
Financial Services 1.62% 3.41% #13 4
Prev: #9
0.8 -508,253 -50.8%
P
S
491,747 $5,901,000 2010 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
CBFV
CB FINL SVCS IN...
Financial Services 1.57% 1.54% #14 2
Prev: #16
0.6 no change no change
P
S
164,014 $5,718,000 2015 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
WASH
Washington Trus...
Financial Services 1.35% #15
Prev: #—
2.5 166,485 no change
NEW
166,485 $4,920,000 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
MGYR
MAGYAR BANCORP ...
Financial Services 1.33% 1.62% #16 1
Prev: #15
0.6 -50,382 -15.2%
P
S
280,350 $4,844,000 2021 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
PROV
PROVIDENT FINL ...
Financial Services 1.31% 1.63% #17 3
Prev: #14
0.6 -66,442 -18.2%
P
S
299,594 $4,767,000 2015 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
BSBK
BOGOTA FINANCIA...
Financial Services 1.15% 1.27% #18
Prev: #18
0.5 no change no change
P
S
493,732 $4,172,000 2020 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
SSBI
SUMMIT STATE BA...
Financial Services 1.13% 1.20% #19
Prev: #19
0.5 no change no change
P
S
354,229 $4,120,000 2024 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
AVBC
AVIDIA BANCORP ...
Financial Services 1.03% 1.39% #20 3
Prev: #17
0.5 -106,405 -32.4%
P
S
222,361 $3,738,000 2025 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
BYFC
BROADWAY FINANC...
Financial Services 0.93% 0.83% #21 2
Prev: #23
2.4 48,883 11.9%
P
S
458,568 $3,393,000 2024 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
FBIZ
FIRST BUS FINL ...
Financial Services 0.88% 0.97% #22 2
Prev: #20
0.4 -7,540 -11.3%
P
S
58,937 $3,200,000 2012 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
WSBK
WINCHESTER BANC...
Financial Services 0.41% 0.22% #23 3
Prev: #26
2.4 61,434 74.4%
P
S
143,986 $1,505,000 2025 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
NSTS
NSTS BANCORP IN...
Financial Services 0.09% 0.12% #24 4
Prev: #28
0.1 -11,435 -30.0%
P
S
26,664 $345,000 2023 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
SHFS
SHF HOLDINGS IN...
Financial Services 0.09% 0.23% #25
Prev: #25
2.3 196,057 175.1%
P
S
308,000 $326,000 2025 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
BHLB
BEACON FINANCIA...
Unknown 0.00% 0.89%
Sold All 😨
(Was: #21)
0.3 -133,121 -100.0%
CLOSED
$— 2025 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
FBLA
FB BANCORP INC
Financial Services 0.00% 0.87%
Sold All 😨
(Was: #22)
0.3 -254,832 -100.0%
CLOSED
$— 2025 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
LSBK
LAKE SHORE BANC...
Financial Services 0.00% 0.28%
Sold All 😨
(Was: #24)
0.3 -74,801 -100.0%
CLOSED
$— 2023 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
CPBI
CENTRAL PLAINS ...
Financial Services 0.00% 0.19%
Sold All 😨
(Was: #27)
0.3 -42,258 -100.0%
CLOSED
$— 2023 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
Showing 1-25 of 29 holdings

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