Filed: 11/12/2025ACC: 0001511291-25-000006
📋 What this filing means
M3F, INC. filed this quarterly 13F‑HR report disclosing 28 equity positions with a total reported market value of $352.9K. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
28
Positions
$352.9K
Total AUM (reported)
18.54M
Total Shares
Allocation by class
COMMON$352.9K100.0%
Portfolio Concentration
Top 3$146.0K41.4%
4–10$135.3K38.3%
11–25$69.6K19.7%
Rest$1.9K0.5%
Top 3 weight
41.4%
Top 10 weight
79.7%
Voting Authority Distribution
Total shares with voting rights: 18.54M
Sole
Full voting authority
18.54M
shares
% of voting shares100.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
0.00
shares
% of voting shares0.0%
Investment Discretion (by position count)
Sole28
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings28
Rows:
Willis Lease Finance Corp
SOLEShares606.03K
TypeSH
Market value$83.1K
23.54%
Sole
606.03K
Shared
0.00
None
0.00
PONCE FINANCIAL GROUP INC
SOLEShares2.26M
TypeSH
Market value$33.2K
9.40%
Sole
2.26M
Shared
0.00
None
0.00
Air Lease Corp
SOLEShares467.90K
TypeSH
Market value$29.8K
8.44%
Sole
467.90K
Shared
0.00
None
0.00
AERCAP HOLDINGS NV SHS
SOLEShares208.50K
TypeSH
Market value$25.2K
7.15%
Sole
208.50K
Shared
0.00
None
0.00
PIONEER BANCORP INC/NY
SOLEShares1.88M
TypeSH
Market value$24.6K
6.97%
Sole
1.88M
Shared
0.00
None
0.00
AERSALE CORP
SOLEShares2.79M
TypeSH
Market value$22.9K
6.48%
Sole
2.79M
Shared
0.00
None
0.00
NI HOLDINGS INC
SOLEShares1.46M
TypeSH
Market value$19.9K
5.63%
Sole
1.46M
Shared
0.00
None
0.00
SECURITY NATL FINL CORP CL A NEW
SOLEShares2.23M
TypeSH
Market value$19.4K
5.49%
Sole
2.23M
Shared
0.00
None
0.00
BankFinancial Corp
SOLEShares1M
TypeSH
Market value$12.0K
3.41%
Sole
1M
Shared
0.00
None
0.00
RHINEBECK BANCORP INC
SOLEShares997.80K
TypeSH
Market value$11.3K
3.21%
Sole
997.80K
Shared
0.00
None
0.00
SWK HLDGS CORP COM
SOLEShares733.15K
TypeSH
Market value$10.7K
3.02%
Sole
733.15K
Shared
0.00
None
0.00
PARKE BANCORP INC
SOLEShares384.16K
TypeSH
Market value$8.3K
2.35%
Sole
384.16K
Shared
0.00
None
0.00
ALERUS FINANCIAL CORP
SOLEShares262.40K
TypeSH
Market value$5.8K
1.65%
Sole
262.40K
Shared
0.00
None
0.00
PROVIDENT FINL HLDGS INC COM
SOLEShares366.04K
TypeSH
Market value$5.8K
1.63%
Sole
366.04K
Shared
0.00
None
0.00
MAGYAR BANCORP INC COM
SOLEShares330.73K
TypeSH
Market value$5.7K
1.62%
Sole
330.73K
Shared
0.00
None
0.00
CB FINL SVCS INC COM
SOLEShares164.01K
TypeSH
Market value$5.4K
1.54%
Sole
164.01K
Shared
0.00
None
0.00
AVIDIA BANCORP INC
SOLEShares328.77K
TypeSH
Market value$4.9K
1.39%
Sole
328.77K
Shared
0.00
None
0.00
BOGOTA FINANCIAL CORP
SOLEShares493.73K
TypeSH
Market value$4.5K
1.27%
Sole
493.73K
Shared
0.00
None
0.00
SUMMIT STATE BANK
SOLEShares354.23K
TypeSH
Market value$4.2K
1.20%
Sole
354.23K
Shared
0.00
None
0.00
FIRST BUS FINL SVCS INC WIS COM
SOLEShares66.48K
TypeSH
Market value$3.4K
0.97%
Sole
66.48K
Shared
0.00
None
0.00
BEACON FINANCIAL CORP
SOLEShares133.12K
TypeSH
Market value$3.2K
0.89%
Sole
133.12K
Shared
0.00
None
0.00
FB BANCORP INC
SOLEShares254.83K
TypeSH
Market value$3.1K
0.87%
Sole
254.83K
Shared
0.00
None
0.00
BROADWAY FINANCIAL CORP/DE
SOLEShares409.69K
TypeSH
Market value$2.9K
0.83%
Sole
409.69K
Shared
0.00
None
0.00
LAKE SHORE BANCORP INC/MD
SOLEShares74.80K
TypeSH
Market value$972.00
0.28%
Sole
74.80K
Shared
0.00
None
0.00
SHF HOLDINGS INC
SOLEShares111.94K
TypeSH
Market value$802.00
0.23%
Sole
111.94K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
Willis Lease Finance CorpSOLE | COMMON | 606.03K | SH | $83.1K 23.54% | 606.03K | 0.00 | 0.00 |
PONCE FINANCIAL GROUP INCSOLE | COMMON | 2.26M | SH | $33.2K 9.40% | 2.26M | 0.00 | 0.00 |
Air Lease CorpSOLE | COMMON | 467.90K | SH | $29.8K 8.44% | 467.90K | 0.00 | 0.00 |
AERCAP HOLDINGS NV SHSSOLE | COMMON | 208.50K | SH | $25.2K 7.15% | 208.50K | 0.00 | 0.00 |
PIONEER BANCORP INC/NYSOLE | COMMON | 1.88M | SH | $24.6K 6.97% | 1.88M | 0.00 | 0.00 |
AERSALE CORPSOLE | COMMON | 2.79M | SH | $22.9K 6.48% | 2.79M | 0.00 | 0.00 |
NI HOLDINGS INCSOLE | COMMON | 1.46M | SH | $19.9K 5.63% | 1.46M | 0.00 | 0.00 |
SECURITY NATL FINL CORP CL A NEWSOLE | COMMON | 2.23M | SH | $19.4K 5.49% | 2.23M | 0.00 | 0.00 |
BankFinancial CorpSOLE | COMMON | 1M | SH | $12.0K 3.41% | 1M | 0.00 | 0.00 |
RHINEBECK BANCORP INCSOLE | COMMON | 997.80K | SH | $11.3K 3.21% | 997.80K | 0.00 | 0.00 |
SWK HLDGS CORP COMSOLE | COMMON | 733.15K | SH | $10.7K 3.02% | 733.15K | 0.00 | 0.00 |
PARKE BANCORP INCSOLE | COMMON | 384.16K | SH | $8.3K 2.35% | 384.16K | 0.00 | 0.00 |
ALERUS FINANCIAL CORPSOLE | COMMON | 262.40K | SH | $5.8K 1.65% | 262.40K | 0.00 | 0.00 |
PROVIDENT FINL HLDGS INC COMSOLE | COMMON | 366.04K | SH | $5.8K 1.63% | 366.04K | 0.00 | 0.00 |
MAGYAR BANCORP INC COMSOLE | COMMON | 330.73K | SH | $5.7K 1.62% | 330.73K | 0.00 | 0.00 |
CB FINL SVCS INC COMSOLE | COMMON | 164.01K | SH | $5.4K 1.54% | 164.01K | 0.00 | 0.00 |
AVIDIA BANCORP INCSOLE | COMMON | 328.77K | SH | $4.9K 1.39% | 328.77K | 0.00 | 0.00 |
BOGOTA FINANCIAL CORPSOLE | COMMON | 493.73K | SH | $4.5K 1.27% | 493.73K | 0.00 | 0.00 |
SUMMIT STATE BANKSOLE | COMMON | 354.23K | SH | $4.2K 1.20% | 354.23K | 0.00 | 0.00 |
FIRST BUS FINL SVCS INC WIS COMSOLE | COMMON | 66.48K | SH | $3.4K 0.97% | 66.48K | 0.00 | 0.00 |
BEACON FINANCIAL CORPSOLE | COMMON | 133.12K | SH | $3.2K 0.89% | 133.12K | 0.00 | 0.00 |
FB BANCORP INCSOLE | COMMON | 254.83K | SH | $3.1K 0.87% | 254.83K | 0.00 | 0.00 |
BROADWAY FINANCIAL CORP/DESOLE | COMMON | 409.69K | SH | $2.9K 0.83% | 409.69K | 0.00 | 0.00 |
LAKE SHORE BANCORP INC/MDSOLE | COMMON | 74.80K | SH | $972.00 0.28% | 74.80K | 0.00 | 0.00 |
SHF HOLDINGS INCSOLE | COMMON | 111.94K | SH | $802.00 0.23% | 111.94K | 0.00 | 0.00 |
Page 1 of 2