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M3F, Inc.

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

Q3 2025 · Filed 2025-11-12
Market Value
$350M
-0.1%
Holdings
31
+1
New Purchases
3
Added To
9
Closed
4
Reduced
14
Top 10 Concentration
80.4%
Turnover
22.6%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
AVBC 1.40% 0.00% +1.40% $5M
AER 7.21% 5.93% +1.28% $25M
AL 8.51% 7.49% +1.02% $30M
BBT 0.90% 0.00% +0.90% $3M
WLFC 23.74% 23.11% +0.63% $83M
ASLE 6.53% 5.96% +0.57% $23M
NODK 5.68% 5.32% +0.35% $20M
PDLB 9.48% 9.15% +0.33% $33M
ALRS 1.66% 1.34% +0.32% $6M
LSBK 0.28% 0.00% +0.28% $972K
BSBK 1.28% 1.10% +0.18% $4M
CBFV 1.56% 1.43% +0.13% $5M
SSBI 1.21% 1.09% +0.11% $4M
SWKH 3.05% 2.94% +0.11% $11M
WSBK 0.23% 0.15% +0.07% $788K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
EBC 0.00% 2.13% -2.13% $0
TSBK 0.00% 1.53% -1.53% $0
BRKL 0.00% 1.27% -1.27% $0
OVLY 0.00% 0.89% -0.89% $0
SNFCA 5.53% 5.97% -0.43% $19M
FBIZ 0.97% 1.40% -0.42% $3M
MGYR 1.63% 1.88% -0.25% $6M
RBKB 3.24% 3.42% -0.19% $11M
PKBK 2.37% 2.55% -0.18% $8M
PBFS 7.03% 7.18% -0.15% $25M
FBLA 0.88% 1.01% -0.13% $3M
PROV 1.65% 1.78% -0.13% $6M
BFIN 3.44% 3.52% -0.08% $12M
NSTS 0.13% 0.13% -0.01% $440K

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 56.2%
Industrials 43.8%

Market Cap Concentration

TierHoldingsValueWeight
Large Cap 1 $25M 7.2%
Mid Cap 3 $33M 9.4%
Small Cap 9 $163M 46.7%
Micro Cap 18 $129M 36.7%

Portfolio Analytics

Avg Market Cap
$1.5B
Median Market Cap
$284M
Avg P/E
32.0
Median P/E
16.6
Avg Dividend Yield
0.01%
Avg Beta
0.41
# Stocks
31
# ETFs / Funds
0

Top Holdings (31 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 WLFC 23.74% 606,026 $83M $137.09 $2M +39,085 +6.9%
2 PDLB 9.48% 2,255,981 $33M $14.70 $1M -59,727 -2.6%
3 AL 8.51% 467,901 $30M $63.65 $4M +19,500 +4.3%
4 AER 7.21% 208,500 $25M $121.00 $4M +31,000 +17.5%
5 PBFS 7.03% 1,884,081 $25M $13.06 -$542K -206,361 -9.9%
6 ASLE 6.53% 2,791,074 $23M $8.19 $2M -681,846 -19.6%
7 NODK 5.68% 1,464,794 $20M $13.56 $1M +1,073 +0.1%
8 SNFCA 5.53% 2,233,648 $19M $8.67 -$2M +111,223 +5.2%
9 BFIN 3.44% 1,000,000 $12M $12.03 -$295K -65,272 -6.1%
10 RBKB 3.24% 997,800 $11M $11.36 -$660K -24,804 -2.4%
11 SWKH 3.05% 733,155 $11M $14.55 $372K +34,727 +5.0%
12 PKBK 2.37% 384,157 $8M $21.55 -$641K -53,752 -12.3%
13 ALRS 1.66% 262,403 $6M $22.14 $1M +45,695 +21.1%
14 PROV 1.65% 366,036 $6M $15.75 -$453K -35,137 -8.8%
15 MGYR 1.63% 330,732 $6M $17.27 -$876K -64,457 -16.3%
16 CBFV 1.56% 164,014 $5M $33.21 $449K -11,344 -6.5%
17 AVBC 1.40% 328,766 $5M $14.94 +328,766 NEW
18 BSBK 1.28% 493,732 $4M $9.10 $636K -1,303 -0.3%
19 SSBI 1.21% 354,229 $4M $11.91 $394K +1,379 +0.4%
20 FBIZ 0.97% 66,477 $3M $51.27 -$1M -30,084 -31.2%
21 BBT 0.90% 133,121 $3M $23.71 +133,121 NEW
22 FBLA 0.88% 254,832 $3M $12.02 -$466K -58,898 -18.8%
23 LSBK 0.28% 74,801 $972K $12.99 +74,801 NEW
24 SHFS 0.23% 111,943 $802K $7.16 $198K -166,399 -59.8%
25 WSBK 0.23% 82,552 $788K $9.55 $257K +23,229 +39.2%
26 CPBI 0.20% 42,258 $684K $16.19 $37K -558 -1.3%
27 NSTS 0.13% 38,099 $440K $11.55 -$30K
28 EBC —% -$7M -487,760 -100.0% SOLD
29 OVLY —% -$3M -113,840 -100.0% SOLD
30 TSBK —% -$5M -171,401 -100.0% SOLD
31 BRKL —% -$4M -420,926 -100.0% SOLD

New Positions

SymbolValue% Port
AVBC $5M 1.40%
BBT $3M 0.90%
LSBK $972K 0.28%

Sold Out Positions

SymbolValue% Port
EBC —%
OVLY —%
TSBK —%
BRKL —%
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