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M3F, Inc.

2070 E 2100 S SUITE 250, SALT LAKE CITY, UT 84109 • 202-246-9200

Q2 2025 · Filed 2025-08-13
Market Value
$350M
-2.3%
Holdings
30
New Purchases
2
Added To
15
Closed
2
Reduced
10
Top 10 Concentration
77.0%
Turnover
13.3%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
AL 7.49% 5.51% +1.97% $26M
PDLB 9.15% 8.01% +1.14% $32M
AER 5.93% 4.91% +1.02% $21M
FBLA 1.01% 0.04% +0.97% $4M
CBFV 1.43% 0.77% +0.65% $5M
RBKB 3.42% 2.83% +0.60% $12M
ALRS 1.34% 0.96% +0.37% $5M
SSBI 1.09% 0.78% +0.32% $4M
PKBK 2.55% 2.30% +0.25% $9M
MGYR 1.88% 1.68% +0.20% $7M
SHFS 0.17% 0.00% +0.17% $604K
FBIZ 1.40% 1.23% +0.17% $5M
WSBK 0.15% 0.00% +0.15% $531K
TSBK 1.53% 1.43% +0.09% $5M
BSBK 1.10% 1.06% +0.04% $4M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
PVBC 0.00% 3.64% -3.64% $0
SWKH 2.94% 3.84% -0.90% $10M
SNFCA 5.97% 6.80% -0.83% $21M
ASLE 5.96% 6.51% -0.56% $21M
AIR 0.00% 0.54% -0.54% $0
WLFC 23.11% 23.53% -0.42% $81M
PBFS 7.18% 7.58% -0.40% $25M
NODK 5.32% 5.60% -0.28% $19M
BRKL 1.27% 1.46% -0.19% $4M
EBC 2.13% 2.31% -0.19% $7M
BFIN 3.52% 3.68% -0.16% $12M
CPBI 0.18% 0.23% -0.05% $647K
PROV 1.78% 1.78% -0.01% $6M

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 56.2%
Industrials 43.8%

Market Cap Concentration

TierHoldingsValueWeight
Large Cap 1 $21M 5.9%
Mid Cap 3 $34M 9.6%
Small Cap 8 $166M 47.5%
Micro Cap 18 $129M 36.9%

Portfolio Analytics

Avg Market Cap
$1.6B
Median Market Cap
$262M
Avg P/E
32.2
Median P/E
16.7
Avg Dividend Yield
0.01%
Avg Beta
0.44
# Stocks
30
# ETFs / Funds
0

Top Holdings (30 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 WLFC 23.11% 566,941 $81M $142.78 -$3M +32,680 +6.1%
2 PDLB 9.15% 2,315,708 $32M $13.84 $3M +48,887 +2.2%
3 AL 7.49% 448,401 $26M $58.49 $6M +39,051 +9.5%
4 PBFS 7.18% 2,090,442 $25M $12.03 -$2M -230,000 -9.9%
5 SNFCA 5.97% 2,122,425 $21M $9.85 -$3M +105,660 +5.2%
6 ASLE 5.96% 3,472,920 $21M $6.01 -$2M +353,222 +11.3%
7 AER 5.93% 177,500 $21M $117.00 $3M +5,000 +2.9%
8 NODK 5.32% 1,463,721 $19M $12.74 -$1M +53,877 +3.8%
9 BFIN 3.52% 1,065,272 $12M $11.57 -$870K +21,384 +2.0%
10 RBKB 3.42% 1,022,604 $12M $11.73 $2M -7,500 -0.7%
11 SWKH 2.94% 698,428 $10M $14.74 -$3M -93,305 -11.8%
12 PKBK 2.55% 437,909 $9M $20.37 $670K
13 EBC 2.13% 487,760 $7M $15.27 -$850K -18,211 -3.6%
14 MGYR 1.88% 395,189 $7M $16.67 $567K -38,000 -8.8%
15 PROV 1.78% 401,173 $6M $15.50 -$176K -37,042 -8.4%
16 TSBK 1.53% 171,401 $5M $31.20 $208K +928 +0.5%
17 CBFV 1.43% 175,358 $5M $28.50 $2M +77,809 +79.8%
18 FBIZ 1.40% 96,561 $5M $50.66 $478K +2,943 +3.1%
19 ALRS 1.34% 216,708 $5M $21.64 $1M +29,261 +15.6%
20 BRKL 1.27% 420,926 $4M $10.55 -$804K -60,257 -12.5%
21 BSBK 1.10% 495,035 $4M $7.79 $67K +430 +0.1%
22 SSBI 1.09% 352,850 $4M $10.84 $1M +51,417 +17.1%
23 FBLA 1.01% 313,730 $4M $11.25 $3M +302,157 +2610.9%
24 OVLY 0.89% 113,840 $3M $27.24 $45K -8,596 -7.0%
25 CPBI 0.18% 42,816 $647K $15.11 -$181K -12,661 -22.8%
26 SHFS 0.17% 278,342 $604K $2.17 +278,342 NEW
27 WSBK 0.15% 59,323 $531K $8.95 +59,323 NEW
28 NSTS 0.13% 38,099 $470K $12.34 $17K -2,016 -5.0%
29 AIR —% -$2M -34,462 -100.0% SOLD
30 PVBC —% -$13M -1,138,538 -100.0% SOLD

New Positions

SymbolValue% Port
SHFS $604K 0.17%
WSBK $531K 0.15%

Sold Out Positions

SymbolValue% Port
AIR —%
PVBC —%
View SEC EDGAR Filings for M3F, Inc. →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms