M3F, Inc. — 13F Holdings & Portfolio
CIK 1511291 · latest 13F-HR filed 2026-08-13
M3F, Inc. manages $422.2M in 13F-reported U.S. long-equity assets across 22 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are WLFC (35.88%), PDLB (8.02%), PBFS (7.37%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 2 new positions and exited 8; 9 existing positions rose in reported value and 6 fell.
AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.
Long-equity book
Distinct positions
Filed 2026-08-13
vs 2026-03-31
Portfolio charts
Latest quarter's book, what changed, and how the portfolio has evolved across filings.
Portfolio map
Q2 26Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.
Sector mix
% of 13F valueSectors from each company's SIC code; funds and ETFs grouped separately.
Biggest buys and sells
Q1 26 → Q2 26Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.
13F assets and positions
3 quartersTotal reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.
Top positions over time
reported valueThe eight largest current positions, valued at each quarter end.
Concentration
top 10 = 85.5%Cumulative share of the portfolio held in the largest N positions.
As of the firm’s regulatory filing dated Mar 17, 2026.
| Name | Title / Status | Ownership | Type |
|---|---|---|---|
| STOCK, JASON, ALLEN Control | CHIEF COMPLIANCE OFFICER, MANAGING DIRECTOR since Jun 2009 | 50–75% | Individual |
| WALLER, WILLIAM, CHESTER Control | MANAGING DIRECTOR since Jun 2009 | 50–75% | Individual |
Quarter-over-quarter changes
Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.
Top Adds (vs prior quarter)
- Willis Lease Finance Corp$36.2M +31.4%
- Green Dot Corp$8.0M +95.3%
- AERSALE CORP$3.3M +13.2%
- NI HOLDINGS INC$3.1M +14.5%
- ALERUS FINANCIAL CORP$3.1M +31.2%
Top Trims
- RHINEBECK BANCORP INC-$6.0M -38.7%
- Washington Trust Bancorp Inc-$4.9M -87.4%
- AERCAP HOLDINGS NV SHS-$3.2M -9.8%
- PROVIDENT FINL HLDGS INC COM-$476.0K -10.4%
- BOGOTA FINANCIAL CORP-$372.0K -8.9%
Exited Positions
- SWK HLDGS CORP COM$16.9M
- BRIGHTHOUSE FINANCIAL INC$16.8M
- Air Lease Corp$2.5M
- FIRST BUS FINL SVCS INC WIS COM$1.6M
- WINCHESTER BANCORP INC$312.0K
M3F, Inc. Holdings (2026-06-30)
Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).
| # | Issuer | Symbol | CUSIP | Value | Weight | Shares | Type |
|---|---|---|---|---|---|---|---|
| 1 | Willis Lease Finance Corp | WLFC | 970646105 | $151.5M | 35.88% | 661,998 | SH |
| 2 | PONCE FINANCIAL GROUP INC | PDLB | 732344106 | $33.9M | 8.02% | 1,698,960 | SH |
| 3 | PIONEER BANCORP INC/NY | PBFS | 723561106 | $31.1M | 7.37% | 1,821,973 | SH |
| 4 | AERCAP HOLDINGS NV SHS | AER | N00985106 | $29.4M | 6.98% | 202,000 | SH |
| 5 | AERSALE CORP | ASLE | 00810F106 | $28.1M | 6.65% | 4,439,008 | SH |
| 6 | NI HOLDINGS INC | NODK | 65342T106 | $24.4M | 5.78% | 1,552,020 | SH |
| 7 | SECURITY NATL FINL CORP CL A NEW | SNFCA | 814785309 | $20.4M | 4.84% | 2,108,648 | SH |
| 8 | Green Dot Corp | GDOT | 39304D102 | $16.4M | 3.89% | 1,214,680 | SH |
| 9 | ALERUS FINANCIAL CORP | ALRS | 01446U103 | $13.0M | 3.07% | 417,108 | SH |
| 10 | NORTHFIELD BANCORP INC DEL COM | NFBK | 66611T108 | $12.8M | 3.03% | 869,575 | SH |
| 11 | RHINEBECK BANCORP INC | RBKB | 762093102 | $9.6M | 2.26% | 552,076 | SH |
| 12 | PARKE BANCORP INC | PKBK | 700885106 | $9.4M | 2.22% | 282,593 | SH |
| 13 | OPPFI INC | OPFI | 68386H103 | $7.6M | 1.80% | 764,445 | SH |
| 14 | CB FINL SVCS INC COM | CBFV | 12479G101 | $6.5M | 1.54% | 171,696 | SH |
| 15 | BROADWAY FINANCIAL CORP/DE | BYFC | 111444709 | $5.3M | 1.25% | 547,529 | SH |
| 16 | MAGYAR BANCORP INC COM | MGYR | 55977T208 | $5.0M | 1.18% | 286,394 | SH |
| 17 | SUMMIT STATE BANK | SSBI | 866264203 | $4.8M | 1.14% | 354,229 | SH |
| 18 | FIRST NORTHERN COMMUNITY BAN | FNRN | 335925103 | $4.4M | 1.04% | 244,872 | SH |
| 19 | PROVIDENT FINL HLDGS INC COM | PROV | 743868101 | $4.1M | 0.97% | 239,094 | SH |
| 20 | BOGOTA FINANCIAL CORP | BSBK | 097235105 | $3.8M | 0.91% | 423,562 | SH |
| 21 | Washington Trust Bancorp Inc | WASH | 940610108 | $700.0K | 0.17% | 19,199 | SH |
| 22 | SHF HOLDINGS INC | SHFS | 824430300 | $74.0K | 0.02% | 308,000 | SH |
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-06-30 | 2026-08-13 | $422.2M | 22 | 0001511291-26-000003 |
| 2026-03-31 | 2026-04-28 | $403.5M | 28 | 0001511291-26-000002 |
| 2025-12-31 | 2026-02-13 | $364.1M | 25 | 0001511291-26-000001 |
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