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M3F, Inc.

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

M3F, Inc. reported $354,466,000 across 30 holdings for the quarter ended 2025-06-30, in a 13F-HR filed 2025-08-13. Its ten largest share positions make up 76.14% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001511291-25-000003

Period
2025-06-30
Reported value
$354M
Holdings
30
Top 10 weight
76.14%
New
2
Sold out
3

Largest buys vs the previous quarter

SecurityShares changeApprox. value
WLFCadded+32,680$4.67M
FBLAadded+302,157$3.4M
ALadded+39,051$2.28M
CBFVadded+77,809$2.22M
ASLEadded+353,222$2.12M

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
PROVIDENT BANCORP INCexited-1,138,538-$13.1M
PBFSreduced-230,000-$2.77M
AIRexited-34,462-$1.93M
SWKHreduced-93,305-$1.38M
SHF HOLDINGS INCexited-278,342-$1.19M

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, Q2 2025

Share positions as resolved from 13F-HR 0001511291-25-000003, largest first. % of portfolio is the value over $354,466,000, 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; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 569,229 shares; 2024Q4: 504,229 shares; 2025Q1: 534,261 shares; 2025Q2: 566,941 shares 566,941$80.9M22.84%+32,680Timeline
PDLBPONCE FINANCIAL GROUP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,263,395 shares; 2024Q4: 2,265,395 shares; 2025Q1: 2,266,821 shares; 2025Q2: 2,315,708 shares 2,315,708$32M9.04%+48,887Timeline
ALAIR LEASE CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 409,350 shares; 2025Q2: 448,401 shares 448,401$26.2M7.4%+39,051Timeline
PBFSPIONEER BANCORP INC MDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,316,593 shares; 2024Q4: 2,319,023 shares; 2025Q1: 2,320,442 shares; 2025Q2: 2,090,442 shares 2,090,442$25.1M7.09%-230,000Timeline
SNFCASECURITY NATL FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,050,000 shares; 2024Q4: 2,013,862 shares; 2025Q1: 2,016,765 shares; 2025Q2: 2,122,425 shares 2,122,425$20.9M5.9%+105,660Timeline
ASLEAERSALE CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,577,974 shares; 2025Q1: 3,119,698 shares; 2025Q2: 3,472,920 shares 3,472,920$20.9M5.89%+353,222Timeline
AERAERCAP HOLDINGS NVQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 172,500 shares; 2025Q2: 177,500 shares 177,500$20.8M5.86%+5,000Timeline
NODKNI HLDGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,097,014 shares; 2024Q4: 1,336,330 shares; 2025Q1: 1,409,844 shares; 2025Q2: 1,463,721 shares 1,463,721$18.6M5.26%+53,877Timeline
BANKFINANCIAL CORPBANKFINANCIAL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,212,983 shares; 2024Q4: 1,137,983 shares; 2025Q1: 1,043,888 shares; 2025Q2: 1,065,272 shares 1,065,272$12.3M3.48%+21,384
RBKBRHINEBECK BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,075,698 shares; 2024Q4: 1,075,698 shares; 2025Q1: 1,030,104 shares; 2025Q2: 1,022,604 shares 1,022,604$12M3.38%-7,500Timeline
SWKHSWK HLDGS CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 780,872 shares; 2024Q4: 800,151 shares; 2025Q1: 791,733 shares; 2025Q2: 698,428 shares 698,428$10.3M2.9%-93,305Timeline
PKBKPARKE BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 496,487 shares; 2024Q4: 437,909 shares; 2025Q1: 437,909 shares; 2025Q2: 437,909 shares 437,909$8.92M2.52%0Timeline
EBCEASTERN BANKSHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 677,867 shares; 2024Q4: 628,767 shares; 2025Q1: 505,971 shares; 2025Q2: 487,760 shares 487,760$7.45M2.1%-18,211Timeline
MGYRMAGYAR BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 463,042 shares; 2024Q4: 433,289 shares; 2025Q1: 433,189 shares; 2025Q2: 395,189 shares 395,189$6.59M1.86%-38,000Timeline
PROVPROVIDENT FINL HLDGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 500,000 shares; 2024Q4: 436,000 shares; 2025Q1: 438,215 shares; 2025Q2: 401,173 shares 401,173$6.22M1.75%-37,042Timeline
TSBKTIMBERLAND BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 213,116 shares; 2024Q4: 186,589 shares; 2025Q1: 170,473 shares; 2025Q2: 171,401 shares 171,401$5.35M1.51%+928Timeline
CBFVCB FINL SVCS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 32,055 shares; 2025Q1: 97,549 shares; 2025Q2: 175,358 shares 175,358$5M1.41%+77,809Timeline
FBIZFIRST BUSINESS FINL SVCS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 154,301 shares; 2024Q4: 97,152 shares; 2025Q1: 93,618 shares; 2025Q2: 96,561 shares 96,561$4.89M1.38%+2,943Timeline
ALRSALERUS FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 179,563 shares; 2025Q1: 187,447 shares; 2025Q2: 216,708 shares 216,708$4.69M1.32%+29,261Timeline
ROOKLINE BANCORP INC DELROOKLINE BANCORP INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 794,305 shares; 2024Q4: 477,183 shares; 2025Q1: 481,183 shares; 2025Q2: 420,926 shares 420,926$4.44M1.25%-60,257
BSBKBOGOTA FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 494,986 shares; 2024Q4: 496,605 shares; 2025Q1: 494,605 shares; 2025Q2: 495,035 shares 495,035$3.86M1.09%+430Timeline
SSBISUMMIT ST BK SANTA ROSA CALIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 300,000 shares; 2025Q1: 301,433 shares; 2025Q2: 352,850 shares 352,850$3.83M1.08%+51,417Timeline
FBLAFB BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 11,573 shares; 2025Q2: 313,730 shares 313,730$3.53M1%+302,157Timeline
OVLYOAK VY BANCORP OAKDALE CALIFQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 133,984 shares; 2024Q4: 121,436 shares; 2025Q1: 122,436 shares; 2025Q2: 113,840 shares 113,840$3.1M0.87%-8,596Timeline
BYFCBROADWAY FINL CORP DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 159,151 shares; 2024Q4: 249,450 shares; 2025Q1: 267,207 shares; 2025Q2: 344,222 shares 344,222$2.5M0.7%+77,015Timeline
LAKE SHORE BANCORP INCLAKE SHORE BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 110,126 shares; 2024Q4: 109,985 shares; 2025Q1: 129,125 shares; 2025Q2: 106,527 shares 106,527$1.68M0.47%-22,598
CPBICENTRAL PLAINS BANCSHARES INQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 179,269 shares; 2024Q4: 179,269 shares; 2025Q1: 55,477 shares; 2025Q2: 42,816 shares 42,816$647K0.18%-12,661Timeline
SHFSSHF HOLDINGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 278,342 shares 278,342$604K0.17%newTimeline
WSBKWINCHESTER BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 59,323 shares 59,323$531K0.15%newTimeline
NSTSNSTS BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 39,769 shares; 2025Q1: 40,115 shares; 2025Q2: 38,099 shares 38,099$470K0.13%-2,016Timeline

Sold out in Q2 2025

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

SecurityShares beforeValue beforeType
PROVIDENT BANCORP INCPROVIDENT BANCORP INC1,138,538$13.1Mshares
AIRAAR CORP34,462$1.93Mshares
SHF HOLDINGS INCSHF HOLDINGS INC278,342$1.19Mshares

How Q2 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 0001511291-25-000003 base2025-08-13acceptance time not in the bulk data set