Stocks/Funds/CIK 1511291

M3F, Inc.

long-term holder
Quarterly 13F filings · Latest period 2026-03-31 · CIK 1511291
Assets
$404M
+10.9% YoY
Holdings
28
Lifetime alpha vs market
+6.08% annual
Average hold time
3.7 yr
median 2.8 yr

Quarterly history

Cum return +93% vs S&P +52% · α +40% lifetimeAUM $404M · peak $404MFlow $12M (+3%)2016-062017-122019-062020-122022-062023-122025-062026-03
AUM ($B)fundS&P 500(gap = α)/ Flow in/out

Behavior signals (lifetime)

Dip response
-4.09%
trims when stocks drop
when a holding falls −10%+
Middle response
-0.50%
baseline attrition
Rally response
-3.03%
trims into rallies
when a holding rises +10%+

Top positions · 28

Ticker$ value% portYoYHold time
WLFCWillis Lease Finance Cor$115M28.6%+8.7%9.3 yr
PDLBPonce Financial Group, I$33M8.3%+31.9%4.3 yr
AERAerCap Holdings N.V.$33M8.1%+35.6%1.3 yr
PBFSPioneer Bancorp, Inc.$29M7.1%+18.9%6.8 yr
ASLEAerSale Corporation$25M6.1%-17.0%1.5 yr
NODKNI Holdings, Inc.$21M5.3%-9.6%9.3 yr
SNFCASecurity National Financ$21M5.2%8.3 yr
SWKHSWK Holdings Corporation$17M4.2%+67.4%5.3 yr
BHFBrighthouse Financial, I$17M4.2%+3.3%0.3 yr
RBKBRhinebeck Bancorp, Inc.$16M3.9%+56.7%6.0 yr
NFBKNorthfield Bancorp, Inc.$11M2.6%+29.9%0.8 yr
ALRSAlerus Financial Corpora$10M2.5%+32.1%3.5 yr
PKBKParke Bancorp, Inc.$9M2.3%+56.0%4.5 yr
GDOTGreen Dot Corporation$8M2.1%+32.9%0.3 yr
CBFVCB Financial Services, I$6M1.5%+24.0%3.3 yr

Portfolio composition (YoY)

Industry mix
Rental & Leasing Services37.3%+3.8pp$150M
Banks - Regional34.8%-7.1pp$141M
Airlines, Airports & Air Services6.1%-0.3pp$25M
Insurance - Property & Casualty5.3%-0.2pp$21M
Financial - Mortgages5.2%-1.5pp$21M
Asset Management4.2%+0.4pp$17M
Insurance - Life4.2%$17M
Financial - Credit Services2.1%$8M
Unknown0.9%-0.6pp$3M
Country
US91.1%-2.7pp
IE8.1%+3.2pp
Unknown0.9%-0.6pp
Top 5: 58.3% · Top 10: 80.9% · Top 25: 99.8%

Winners

TickerPrev $PnLYoY %
PDLB$29M+0.01B31.9%
WLFC$84M+0.01B8.7%
AL$20M+0.01B36.3%
AER$18M+0.01B35.6%
RBKB$10M+0.01B56.7%

Losers

TickerPrev $PnLYoY %
ASLE$23M-0.00B-17.0%
NODK$20M-0.00B-9.6%

Top buys this quarter · 15

BHF Brighthouse Financial, Inc.new+$17M
NFBK Northfield Bancorp, Inc.+$9M
GDOT Green Dot Corporationnew+$8M
ASLE AerSale Corporation+$4M
AER AerCap Holdings N.V.+$4M
PDLB Ponce Financial Group, Inc.+$2M
SWKH SWK Holdings Corporation+$2M
NODK NI Holdings, Inc.+$2M
PBFS Pioneer Bancorp, Inc.+$1M
CBFV CB Financial Services, Inc.+$0M

Top sells this quarter · 9

AL Air Lease Corporation$27M
AVBC Avidia Bancorp, Inc.exit$4M
FBIZ First Business Financial Servi$2M
WSBK Winchester Bancorp, Inc. Commo$2M
PROV Provident Financial Holdings, $0M
PKBK Parke Bancorp, Inc.$9M
RBKB Rhinebeck Bancorp, Inc.$12M
SNFCA Security National Financial Co$20M
BFIN BankFinancial Corporationexit$0M

Quarterly history (TTM returns)

PeriodAUM# PosReturn (1yr)SPY (1yr)Alpha (1yr)Flow
2026-03-31$404M28+19.50%+17.59%+1.91%+0.01B
2025-12-31$364M25+1.38%+17.72%-16.34%-0.00B
2025-09-30$353M28+14.83%+17.52%-2.69%-0.02B
2025-06-30$354M30+48.84%+14.94%+33.90%-0.02B
2025-03-31$364M31+57.36%+8.30%+49.06%+0.05B
2024-12-31$346M29+69.42%+24.89%+44.54%-0.03B
2024-09-30$325M29+70.18%+36.04%+34.14%-0.05B
2024-06-30$270M34+23.04%+24.49%-1.45%-0.03B
2024-03-31$283M37+9.52%+29.62%-20.11%-0.03B
2023-12-31$315M37-3.07%+26.18%-29.25%-0.04B
2023-09-30$299M42-6.80%+21.57%-28.37%-0.02B
2023-06-30$318M42-7.48%+19.42%-26.90%+0.03B
2023-03-31$304M39-6.44%-7.82%+1.37%+0.02B
2022-12-31$327M39+13.01%+7.56%+5.45%+0.00B
2022-09-30$285M42-1.53%-4.93%+3.40%-0.02B
2022-06-30$308M43-3.24%-16.11%+12.87%+0.02B