M3F, Inc.
•CIK: 1511291•Filing: Q4 2025
M3F, Inc. manages $364M across a concentrated portfolio of 25 positions. The fund exhibits significant conviction in its top holdings, led by a substantial allocation to WLFC at $91.9M. Further notable positions include PDLB ($30.3M), BEN ($30.0M), and AL ($28.8M), indicating targeted exposure across key sectors. This structure suggests a high-conviction, bottom-up approach to generating alpha.
Total AUM
$364.1M
QoQ Performance
+3.2%
Positions
25
Top 10 Concentration
82.2%
Latest Filing
Q4 2025
Top Holdings Allocation
WLFC
PDLB
AER
AL
PBFS
ASLE
NODK
SNFCA
WLFC25.2%
PDLB8.3%
AER8.2%
AL7.9%
PBFS7.5%
ASLE6.5%
NODK5.6%
SNFCA5.5%
📈 Biggest Buys
📉 Biggest Sells
Sector Breakdown
Other100.0%
🚪 Exited Positionssold since Q3 2025
Changes from Q3 2025
NEW1 new position
↑10 increased
↓9 decreased
Historical Filings
Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023