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M3F, Inc.

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

M3F, Inc. reported $364,093,000 across 25 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-02-13. Its ten largest share positions make up 82.22% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001511291-26-000001

Period
2025-12-31
Reported value
$364M
Holdings
25
Top 10 weight
82.22%
New
1
Sold out
4

Largest buys vs the previous quarter

SecurityShares changeApprox. value
WLFCadded+71,222$9.66M
WASHnew+166,485$4.92M
ASLEadded+528,071$3.75M
ALRSadded+148,760$3.35M
SWKHadded+120,299$2.07M

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
PDLBreduced-400,000-$6.54M
BANKFINANCIAL CORPreduced-508,253-$6.1M
BBTexited-133,121-$3.16M
FBLAexited-254,832-$3.06M
AVBCreduced-106,405-$1.79M

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, Q4 2025

Share positions as resolved from 13F-HR 0001511291-26-000001, largest first. % of portfolio is the value over $364,093,000, 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; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 569,229 shares; 2024Q4: 504,229 shares; 2025Q1: 534,261 shares; 2025Q2: 566,941 shares; 2025Q3: 606,026 shares; 2025Q4: 677,248 shares 677,248$91.9M25.23%+71,222Timeline
PDLBPONCE FINANCIAL GROUP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,263,395 shares; 2024Q4: 2,265,395 shares; 2025Q1: 2,266,821 shares; 2025Q2: 2,315,708 shares; 2025Q3: 2,255,981 shares; 2025Q4: 1,855,981 shares 1,855,981$30.3M8.33%-400,000Timeline
AERAERCAP HOLDINGS NVQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 172,500 shares; 2025Q2: 177,500 shares; 2025Q3: 208,500 shares; 2025Q4: 208,500 shares 208,500$30M8.23%0Timeline
ALAIR LEASE CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 409,350 shares; 2025Q2: 448,401 shares; 2025Q3: 467,901 shares; 2025Q4: 448,401 shares 448,401$28.8M7.91%-19,500Timeline
PBFSPIONEER BANCORP INC MDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,316,593 shares; 2024Q4: 2,319,023 shares; 2025Q1: 2,320,442 shares; 2025Q2: 2,090,442 shares; 2025Q3: 1,884,081 shares; 2025Q4: 2,033,854 shares 2,033,854$27.4M7.53%+149,773Timeline
ASLEAERSALE CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,577,974 shares; 2025Q1: 3,119,698 shares; 2025Q2: 3,472,920 shares; 2025Q3: 2,791,074 shares; 2025Q4: 3,319,145 shares 3,319,145$23.6M6.48%+528,071Timeline
NODKNI HLDGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,097,014 shares; 2024Q4: 1,336,330 shares; 2025Q1: 1,409,844 shares; 2025Q2: 1,463,721 shares; 2025Q3: 1,464,794 shares; 2025Q4: 1,531,082 shares 1,531,082$20.4M5.59%+66,288Timeline
SNFCASECURITY NATL FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,050,000 shares; 2024Q4: 2,013,862 shares; 2025Q1: 2,016,765 shares; 2025Q2: 2,122,425 shares; 2025Q3: 2,233,648 shares; 2025Q4: 2,233,648 shares 2,233,648$20.1M5.53%0Timeline
SWKHSWK HLDGS CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 780,872 shares; 2024Q4: 800,151 shares; 2025Q1: 791,733 shares; 2025Q2: 698,428 shares; 2025Q3: 733,155 shares; 2025Q4: 853,454 shares 853,454$14.7M4.03%+120,299Timeline
RBKBRHINEBECK BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,075,698 shares; 2024Q4: 1,075,698 shares; 2025Q1: 1,030,104 shares; 2025Q2: 1,022,604 shares; 2025Q3: 997,800 shares; 2025Q4: 1,015,420 shares 1,015,420$12.2M3.35%+17,620Timeline
ALRSALERUS FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 179,563 shares; 2025Q1: 187,447 shares; 2025Q2: 216,708 shares; 2025Q3: 262,403 shares; 2025Q4: 411,163 shares 411,163$9.26M2.54%+148,760Timeline
PKBKPARKE BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 496,487 shares; 2024Q4: 437,909 shares; 2025Q1: 437,909 shares; 2025Q2: 437,909 shares; 2025Q3: 384,157 shares; 2025Q4: 340,101 shares 340,101$8.52M2.34%-44,056Timeline
BANKFINANCIAL CORPBANKFINANCIAL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,212,983 shares; 2024Q4: 1,137,983 shares; 2025Q1: 1,043,888 shares; 2025Q2: 1,065,272 shares; 2025Q3: 1,000,000 shares; 2025Q4: 491,747 shares 491,747$5.9M1.62%-508,253
CBFVCB FINL SVCS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 32,055 shares; 2025Q1: 97,549 shares; 2025Q2: 175,358 shares; 2025Q3: 164,014 shares; 2025Q4: 164,014 shares 164,014$5.72M1.57%0Timeline
WASHWASHINGTON TR BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 166,485 shares 166,485$4.92M1.35%newTimeline
MGYRMAGYAR BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 463,042 shares; 2024Q4: 433,289 shares; 2025Q1: 433,189 shares; 2025Q2: 395,189 shares; 2025Q3: 330,732 shares; 2025Q4: 280,350 shares 280,350$4.84M1.33%-50,382Timeline
PROVPROVIDENT FINL HLDGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 500,000 shares; 2024Q4: 436,000 shares; 2025Q1: 438,215 shares; 2025Q2: 401,173 shares; 2025Q3: 366,036 shares; 2025Q4: 299,594 shares 299,594$4.77M1.31%-66,442Timeline
BSBKBOGOTA FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 494,986 shares; 2024Q4: 496,605 shares; 2025Q1: 494,605 shares; 2025Q2: 495,035 shares; 2025Q3: 493,732 shares; 2025Q4: 493,732 shares 493,732$4.17M1.15%0Timeline
SSBISUMMIT ST BK SANTA ROSA CALIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 300,000 shares; 2025Q1: 301,433 shares; 2025Q2: 352,850 shares; 2025Q3: 354,229 shares; 2025Q4: 354,229 shares 354,229$4.12M1.13%0Timeline
AVBCAVIDIA BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 328,766 shares; 2025Q4: 222,361 shares 222,361$3.74M1.03%-106,405Timeline
BYFCBROADWAY FINL CORP DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 159,151 shares; 2024Q4: 249,450 shares; 2025Q1: 267,207 shares; 2025Q2: 344,222 shares; 2025Q3: 409,685 shares; 2025Q4: 458,568 shares 458,568$3.39M0.93%+48,883Timeline
FBIZFIRST BUSINESS FINL SVCS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 154,301 shares; 2024Q4: 97,152 shares; 2025Q1: 93,618 shares; 2025Q2: 96,561 shares; 2025Q3: 66,477 shares; 2025Q4: 58,937 shares 58,937$3.2M0.88%-7,540Timeline
WSBKWINCHESTER BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 59,323 shares; 2025Q3: 82,552 shares; 2025Q4: 143,986 shares 143,986$1.5M0.41%+61,434Timeline
NSTSNSTS BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 39,769 shares; 2025Q1: 40,115 shares; 2025Q2: 38,099 shares; 2025Q3: 38,099 shares; 2025Q4: 26,664 shares 26,664$345K0.09%-11,435Timeline
SHFSSHF HOLDINGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 278,342 shares; 2025Q3: 111,943 shares; 2025Q4: 308,000 shares 308,000$326K0.09%+196,057Timeline

Sold out in Q4 2025

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

SecurityShares beforeValue beforeType
BBTBEACON FINANCIAL CORP.133,121$3.16Mshares
FBLAFB BANCORP INC254,832$3.06Mshares
LSBKLAKE SHORE BANCORP INC74,801$972Kshares
CPBICENTRAL PLAINS BANCSHARES IN42,258$684Kshares

How Q4 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 0001511291-26-000001 base2026-02-13acceptance time not in the bulk data set