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M3F, Inc.

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13F filer, CIK 1511291, SALT LAKE CITY, UT

M3F, Inc. reported $363,848,000 across 31 holdings for the quarter ended 2025-03-31, in a 13F-HR filed 2025-05-14. Its ten largest share positions make up 74.9% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001511291-25-000002

Period
2025-03-31
Reported value
$364M
Holdings
31
Top 10 weight
74.9%
New
4
Sold out
2

Largest buys vs the previous quarter

SecurityShares changeApprox. value
ALnew+409,350$19.8M
AERnew+172,500$17.6M
ASLEadded+1,541,724$11.5M
WLFCadded+30,032$4.74M
AIRnew+34,462$1.93M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
SHF HOLDINGS INCreduced-5,271,359-$22.6M
BM TECHNOLOGIES INCexited-1,130,898-$5.53M
EBCreduced-122,796-$2.01M
CPBIreduced-123,792-$1.85M
BCOWexited-148,249-$1.48M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q1 2025

Share positions as resolved from 13F-HR 0001511291-25-000002, largest first. % of portfolio is the value over $363,848,000, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
WLFCWILLIS LEASE FIN CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 569,229 shares; 2024Q4: 504,229 shares; 2025Q1: 534,261 shares 534,261$84.4M23.2%+30,032Timeline
PDLBPONCE FINANCIAL GROUP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,263,395 shares; 2024Q4: 2,265,395 shares; 2025Q1: 2,266,821 shares 2,266,821$28.7M7.89%+1,426Timeline
PBFSPIONEER BANCORP INC MDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,316,593 shares; 2024Q4: 2,319,023 shares; 2025Q1: 2,320,442 shares 2,320,442$27.2M7.47%+1,419Timeline
SNFCASECURITY NATL FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,050,000 shares; 2024Q4: 2,013,862 shares; 2025Q1: 2,016,765 shares 2,016,765$24.4M6.71%+2,903Timeline
ASLEAERSALE CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,577,974 shares; 2025Q1: 3,119,698 shares 3,119,698$23.4M6.42%+1,541,724Timeline
NODKNI HLDGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,097,014 shares; 2024Q4: 1,336,330 shares; 2025Q1: 1,409,844 shares 1,409,844$20.1M5.53%+73,514Timeline
ALAIR LEASE CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 409,350 shares 409,350$19.8M5.44%newTimeline
AERAERCAP HOLDINGS NVQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 172,500 shares 172,500$17.6M4.84%newTimeline
SWKHSWK HLDGS CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 780,872 shares; 2024Q4: 800,151 shares; 2025Q1: 791,733 shares 791,733$13.8M3.78%-8,418Timeline
BANKFINANCIAL CORPBANKFINANCIAL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,212,983 shares; 2024Q4: 1,137,983 shares; 2025Q1: 1,043,888 shares 1,043,888$13.2M3.63%-94,095
PROVIDENT BANCORP INCPROVIDENT BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,243,158 shares; 2024Q4: 1,198,910 shares; 2025Q1: 1,138,538 shares 1,138,538$13.1M3.59%-60,372
RBKBRHINEBECK BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,075,698 shares; 2024Q4: 1,075,698 shares; 2025Q1: 1,030,104 shares 1,030,104$10.1M2.79%-45,594Timeline
EBCEASTERN BANKSHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 677,867 shares; 2024Q4: 628,767 shares; 2025Q1: 505,971 shares 505,971$8.3M2.28%-122,796Timeline
PKBKPARKE BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 496,487 shares; 2024Q4: 437,909 shares; 2025Q1: 437,909 shares 437,909$8.25M2.27%0Timeline
PROVPROVIDENT FINL HLDGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 500,000 shares; 2024Q4: 436,000 shares; 2025Q1: 438,215 shares 438,215$6.39M1.76%+2,215Timeline
MGYRMAGYAR BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 463,042 shares; 2024Q4: 433,289 shares; 2025Q1: 433,189 shares 433,189$6.02M1.65%-100Timeline
ROOKLINE BANCORP INC DELROOKLINE BANCORP INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 794,305 shares; 2024Q4: 477,183 shares; 2025Q1: 481,183 shares 481,183$5.25M1.44%+4,000
TSBKTIMBERLAND BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 213,116 shares; 2024Q4: 186,589 shares; 2025Q1: 170,473 shares 170,473$5.14M1.41%-16,116Timeline
FBIZFIRST BUSINESS FINL SVCS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 154,301 shares; 2024Q4: 97,152 shares; 2025Q1: 93,618 shares 93,618$4.41M1.21%-3,534Timeline
BSBKBOGOTA FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 494,986 shares; 2024Q4: 496,605 shares; 2025Q1: 494,605 shares 494,605$3.79M1.04%-2,000Timeline
ALRSALERUS FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 179,563 shares; 2025Q1: 187,447 shares 187,447$3.46M0.95%+7,884Timeline
OVLYOAK VY BANCORP OAKDALE CALIFQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 133,984 shares; 2024Q4: 121,436 shares; 2025Q1: 122,436 shares 122,436$3.06M0.84%+1,000Timeline
SSBISUMMIT ST BK SANTA ROSA CALIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 300,000 shares; 2025Q1: 301,433 shares 301,433$2.78M0.76%+1,433Timeline
CBFVCB FINL SVCS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 32,055 shares; 2025Q1: 97,549 shares 97,549$2.77M0.76%+65,494Timeline
LAKE SHORE BANCORP INCLAKE SHORE BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 110,126 shares; 2024Q4: 109,985 shares; 2025Q1: 129,125 shares 129,125$2.04M0.56%+19,140
AIRAAR CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 34,462 shares 34,462$1.93M0.53%newTimeline
BYFCBROADWAY FINL CORP DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 159,151 shares; 2024Q4: 249,450 shares; 2025Q1: 267,207 shares 267,207$1.92M0.53%+17,757Timeline
SHF HOLDINGS INCSHF HOLDINGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,533,478 shares; 2024Q4: 5,549,701 shares; 2025Q1: 278,342 shares 278,342$1.19M0.33%-5,271,359
CPBICENTRAL PLAINS BANCSHARES INQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 179,269 shares; 2024Q4: 179,269 shares; 2025Q1: 55,477 shares 55,477$828K0.23%-123,792Timeline
NSTSNSTS BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 39,769 shares; 2025Q1: 40,115 shares 40,115$453K0.12%+346Timeline
FBLAFB BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q2: restricted; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 11,573 shares 11,573$130K0.04%newTimeline

Sold out in Q1 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
BM TECHNOLOGIES INCBM TECHNOLOGIES INC1,130,898$5.53Mshares
BCOW1895 BANCORP WIS INC NEW COM (148,249$1.48Mshares

How Q1 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0001511291-25-000002 base2025-05-14acceptance time not in the bulk data set