Filed: 2/13/2026ACC: 0001511291-26-000001
📋 What this filing means
M3F, INC. filed this quarterly 13F‑HR report disclosing 25 equity positions with a total reported market value of $364.1K. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
25
Positions
$364.1K
Total AUM (reported)
18.40M
Total Shares
Allocation by class
COMMON$364.1K100.0%
Portfolio Concentration
Top 3$152.2K41.8%
4–10$147.2K40.4%
11–25$64.7K17.8%
Top 3 weight
41.8%
Top 10 weight
82.2%
Voting Authority Distribution
Total shares with voting rights: 18.40M
Sole
Full voting authority
18.40M
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)
Sole25
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings25
Rows:
Willis Lease Finance Corp
SOLEShares677.25K
TypeSH
Market value$91.9K
25.23%
Sole
677.25K
Shared
0.00
None
0.00
PONCE FINANCIAL GROUP INC
SOLEShares1.86M
TypeSH
Market value$30.3K
8.33%
Sole
1.86M
Shared
0.00
None
0.00
AERCAP HOLDINGS NV SHS
SOLEShares208.50K
TypeSH
Market value$30.0K
8.23%
Sole
208.50K
Shared
0.00
None
0.00
Air Lease Corp
SOLEShares448.40K
TypeSH
Market value$28.8K
7.91%
Sole
448.40K
Shared
0.00
None
0.00
PIONEER BANCORP INC/NY
SOLEShares2.03M
TypeSH
Market value$27.4K
7.53%
Sole
2.03M
Shared
0.00
None
0.00
AERSALE CORP
SOLEShares3.32M
TypeSH
Market value$23.6K
6.48%
Sole
3.32M
Shared
0.00
None
0.00
NI HOLDINGS INC
SOLEShares1.53M
TypeSH
Market value$20.4K
5.59%
Sole
1.53M
Shared
0.00
None
0.00
SECURITY NATL FINL CORP CL A NEW
SOLEShares2.23M
TypeSH
Market value$20.1K
5.53%
Sole
2.23M
Shared
0.00
None
0.00
SWK HLDGS CORP COM
SOLEShares853.45K
TypeSH
Market value$14.7K
4.03%
Sole
853.45K
Shared
0.00
None
0.00
RHINEBECK BANCORP INC
SOLEShares1.02M
TypeSH
Market value$12.2K
3.35%
Sole
1.02M
Shared
0.00
None
0.00
ALERUS FINANCIAL CORP
SOLEShares411.16K
TypeSH
Market value$9.3K
2.54%
Sole
411.16K
Shared
0.00
None
0.00
PARKE BANCORP INC
SOLEShares340.10K
TypeSH
Market value$8.5K
2.34%
Sole
340.10K
Shared
0.00
None
0.00
BankFinancial Corp
SOLEShares491.75K
TypeSH
Market value$5.9K
1.62%
Sole
491.75K
Shared
0.00
None
0.00
CB FINL SVCS INC COM
SOLEShares164.01K
TypeSH
Market value$5.7K
1.57%
Sole
164.01K
Shared
0.00
None
0.00
Washington Trust Bancorp Inc
SOLEShares166.49K
TypeSH
Market value$4.9K
1.35%
Sole
166.49K
Shared
0.00
None
0.00
MAGYAR BANCORP INC COM
SOLEShares280.35K
TypeSH
Market value$4.8K
1.33%
Sole
280.35K
Shared
0.00
None
0.00
PROVIDENT FINL HLDGS INC COM
SOLEShares299.59K
TypeSH
Market value$4.8K
1.31%
Sole
299.59K
Shared
0.00
None
0.00
BOGOTA FINANCIAL CORP
SOLEShares493.73K
TypeSH
Market value$4.2K
1.15%
Sole
493.73K
Shared
0.00
None
0.00
SUMMIT STATE BANK
SOLEShares354.23K
TypeSH
Market value$4.1K
1.13%
Sole
354.23K
Shared
0.00
None
0.00
AVIDIA BANCORP INC
SOLEShares222.36K
TypeSH
Market value$3.7K
1.03%
Sole
222.36K
Shared
0.00
None
0.00
BROADWAY FINANCIAL CORP/DE
SOLEShares458.57K
TypeSH
Market value$3.4K
0.93%
Sole
458.57K
Shared
0.00
None
0.00
FIRST BUS FINL SVCS INC WIS COM
SOLEShares58.94K
TypeSH
Market value$3.2K
0.88%
Sole
58.94K
Shared
0.00
None
0.00
WINCHESTER BANCORP INC
SOLEShares143.99K
TypeSH
Market value$1.5K
0.41%
Sole
143.99K
Shared
0.00
None
0.00
NSTS BANCORP INC
SOLEShares26.66K
TypeSH
Market value$345.00
0.09%
Sole
26.66K
Shared
0.00
None
0.00
SHF HOLDINGS INC
SOLEShares308K
TypeSH
Market value$326.00
0.09%
Sole
308K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
Willis Lease Finance CorpSOLE | COMMON | 677.25K | SH | $91.9K 25.23% | 677.25K | 0.00 | 0.00 |
PONCE FINANCIAL GROUP INCSOLE | COMMON | 1.86M | SH | $30.3K 8.33% | 1.86M | 0.00 | 0.00 |
AERCAP HOLDINGS NV SHSSOLE | COMMON | 208.50K | SH | $30.0K 8.23% | 208.50K | 0.00 | 0.00 |
Air Lease CorpSOLE | COMMON | 448.40K | SH | $28.8K 7.91% | 448.40K | 0.00 | 0.00 |
PIONEER BANCORP INC/NYSOLE | COMMON | 2.03M | SH | $27.4K 7.53% | 2.03M | 0.00 | 0.00 |
AERSALE CORPSOLE | COMMON | 3.32M | SH | $23.6K 6.48% | 3.32M | 0.00 | 0.00 |
NI HOLDINGS INCSOLE | COMMON | 1.53M | SH | $20.4K 5.59% | 1.53M | 0.00 | 0.00 |
SECURITY NATL FINL CORP CL A NEWSOLE | COMMON | 2.23M | SH | $20.1K 5.53% | 2.23M | 0.00 | 0.00 |
SWK HLDGS CORP COMSOLE | COMMON | 853.45K | SH | $14.7K 4.03% | 853.45K | 0.00 | 0.00 |
RHINEBECK BANCORP INCSOLE | COMMON | 1.02M | SH | $12.2K 3.35% | 1.02M | 0.00 | 0.00 |
ALERUS FINANCIAL CORPSOLE | COMMON | 411.16K | SH | $9.3K 2.54% | 411.16K | 0.00 | 0.00 |
PARKE BANCORP INCSOLE | COMMON | 340.10K | SH | $8.5K 2.34% | 340.10K | 0.00 | 0.00 |
BankFinancial CorpSOLE | COMMON | 491.75K | SH | $5.9K 1.62% | 491.75K | 0.00 | 0.00 |
CB FINL SVCS INC COMSOLE | COMMON | 164.01K | SH | $5.7K 1.57% | 164.01K | 0.00 | 0.00 |
Washington Trust Bancorp IncSOLE | COMMON | 166.49K | SH | $4.9K 1.35% | 166.49K | 0.00 | 0.00 |
MAGYAR BANCORP INC COMSOLE | COMMON | 280.35K | SH | $4.8K 1.33% | 280.35K | 0.00 | 0.00 |
PROVIDENT FINL HLDGS INC COMSOLE | COMMON | 299.59K | SH | $4.8K 1.31% | 299.59K | 0.00 | 0.00 |
BOGOTA FINANCIAL CORPSOLE | COMMON | 493.73K | SH | $4.2K 1.15% | 493.73K | 0.00 | 0.00 |
SUMMIT STATE BANKSOLE | COMMON | 354.23K | SH | $4.1K 1.13% | 354.23K | 0.00 | 0.00 |
AVIDIA BANCORP INCSOLE | COMMON | 222.36K | SH | $3.7K 1.03% | 222.36K | 0.00 | 0.00 |
BROADWAY FINANCIAL CORP/DESOLE | COMMON | 458.57K | SH | $3.4K 0.93% | 458.57K | 0.00 | 0.00 |
FIRST BUS FINL SVCS INC WIS COMSOLE | COMMON | 58.94K | SH | $3.2K 0.88% | 58.94K | 0.00 | 0.00 |
WINCHESTER BANCORP INCSOLE | COMMON | 143.99K | SH | $1.5K 0.41% | 143.99K | 0.00 | 0.00 |
NSTS BANCORP INCSOLE | COMMON | 26.66K | SH | $345.00 0.09% | 26.66K | 0.00 | 0.00 |
SHF HOLDINGS INCSOLE | COMMON | 308K | SH | $326.00 0.09% | 308K | 0.00 | 0.00 |