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M3F, Inc.

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

Q4 2025 · Filed 2026-02-13
Market Value
$361M
+3.1%
Holdings
28
-3
New Purchases
1
Added To
9
Closed
4
Reduced
9
Top 10 Concentration
83.0%
Turnover
17.9%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
WLFC 25.47% 23.74% +1.73% $92M
WASH 1.36% 0.00% +1.36% $5M
AER 8.31% 7.21% +1.10% $30M
SWKH 4.07% 3.05% +1.02% $15M
ALRS 2.57% 1.66% +0.91% $9M
PBFS 7.60% 7.03% +0.57% $27M
WSBK 0.42% 0.23% +0.19% $2M
RBKB 3.38% 3.24% +0.14% $12M
SNFCA 5.58% 5.53% +0.05% $20M
CBFV 1.59% 1.56% +0.03% $6M
ASLE 6.54% 6.53% +0.01% $24M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
BFIN 1.64% 3.44% -1.80% $6M
PDLB 8.41% 9.48% -1.06% $30M
BBT 0.00% 0.90% -0.90% $0
FBLA 0.00% 0.88% -0.88% $0
AL 7.98% 8.51% -0.53% $29M
AVBC 1.04% 1.40% -0.37% $4M
PROV 1.32% 1.65% -0.33% $5M
MGYR 1.34% 1.63% -0.29% $5M
LSBK 0.00% 0.28% -0.28% $0
CPBI 0.00% 0.20% -0.20% $0
SHFS 0.09% 0.23% -0.14% $326K
BSBK 1.16% 1.28% -0.13% $4M
FBIZ 0.89% 0.97% -0.09% $3M
SSBI 1.14% 1.21% -0.06% $4M
NODK 5.65% 5.68% -0.03% $20M

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 56.2%
Industrials 43.8%

Market Cap Concentration

TierHoldingsValueWeight
Large Cap 1 $30M 8.3%
Mid Cap 2 $29M 8.0%
Small Cap 8 $179M 49.7%
Micro Cap 17 $123M 34.0%

Portfolio Analytics

Avg Market Cap
$1.4B
Median Market Cap
$213M
Avg P/E
34.4
Median P/E
17.4
Avg Dividend Yield
0.01%
Avg Beta
0.40
# Stocks
28
# ETFs / Funds
0

Top Holdings (28 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 WLFC 25.47% 677,248 $92M $135.64 $9M +71,222 +11.8%
2 PDLB 8.41% 1,855,981 $30M $16.35 -$3M -400,000 -17.7%
3 AER 8.31% 208,500 $30M $143.76 $5M
4 AL 7.98% 448,401 $29M $64.23 -$981K -19,500 -4.2%
5 PBFS 7.60% 2,033,854 $27M $13.48 $3M +149,773 +8.0%
6 ASLE 6.54% 3,319,145 $24M $7.11 $740K +528,071 +18.9%
7 NODK 5.65% 1,531,082 $20M $13.30 $500K +66,288 +4.5%
8 SNFCA 5.58% 2,233,648 $20M $9.01 $759K
9 SWKH 4.07% 853,454 $15M $17.20 $4M +120,299 +16.4%
10 RBKB 3.38% 1,015,420 $12M $12.02 $870K +17,620 +1.8%
11 ALRS 2.57% 411,163 $9M $22.52 $3M +148,760 +56.7%
12 PKBK 2.36% 340,101 $9M $25.04 $237K -44,056 -11.5%
13 BFIN 1.64% 491,747 $6M $12.00 -$6M -508,253 -50.8%
14 CBFV 1.59% 164,014 $6M $34.86 $271K
15 WASH 1.36% 166,485 $5M $29.55 +166,485 NEW
16 MGYR 1.34% 280,350 $5M $17.28 -$868K -50,382 -15.2%
17 PROV 1.32% 299,594 $5M $15.91 -$998K -66,442 -18.1%
18 BSBK 1.16% 493,732 $4M $8.45 -$320K
19 SSBI 1.14% 354,229 $4M $11.63 -$99K
20 AVBC 1.04% 222,361 $4M $16.81 -$1M -106,405 -32.4%
21 FBIZ 0.89% 58,937 $3M $54.30 -$208K -7,540 -11.3%
22 WSBK 0.42% 143,986 $2M $10.45 $717K +61,434 +74.4%
23 NSTS 0.10% 26,664 $345K $12.94 -$95K -11,435 -30.0%
24 SHFS 0.09% 308,000 $326K $1.06 -$476K +196,057 +175.1%
25 BBT —% -$3M -133,121 -100.0% SOLD
26 FBLA —% -$3M -254,832 -100.0% SOLD
27 LSBK —% -$972K -74,801 -100.0% SOLD
28 CPBI —% -$684K -42,258 -100.0% SOLD

New Positions

SymbolValue% Port
WASH $5M 1.36%

Sold Out Positions

SymbolValue% Port
BBT —%
FBLA —%
CPBI —%
LSBK —%
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