M3F, Inc.

CIK 0001511291 · Q2 2026

13F Equity AUM

$422K

+4.6% QoQ

Positions

-6 QoQ

AUM Rank

#8,641

Top 98%

Skill Alpha (FF)

+9.7%/yr

Alpha Generator

Rank #380 · Top 5%

vs S&P +3.9%/yr (unadj.)

Quarters Tracked

~12 years

Portfolio Concentration

Top 5: 64.9%Top 10: 85.5%Top 20: 99.8%

WLFC35.9%

PDLB8.0%

PBFS7.4%

AER7.0%

ASLE6.7%

NODK5.8%

SNFCA4.8%

GDOT3.9%

ALRS3.1%

NFBK3.0%

Others (12)14.5%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Industrials49.5%

Financial Services48.7%

Other1.8%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 22Median: 2.24%Avg: 4.55%

0–0.5%

2(0.2%)

0.5–1%

2(1.9%)

1–3%

8(12.4%)

3–5%

4(14.8%)

5%+

6(70.7%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 0Unique: 22vs 20 funds

0%Low

Fund positions

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

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Position Changes This Quarter

New2Increased6Decreased11Exited8

New Positions

OPFI1.8%

+764K

FNRN1.0%

+245K

Increased

GDOT3.9%

+466K(+62%)

ASLE6.7%

+455K(+11%)

NFBK3.0%

+93K(+12%)

BYFC1.3%

+73K(+15%)

MGYR1.2%

+3K(+1%)

CBFV1.5%

+257(+0%)

Decreased

RBKB2.3%

-458,344(-45%)

PDLB8.0%

-305,000(-15%)

PBFS7.4%

-250,000(-12%)

WASH0.2%

-147,286(-88%)

NODK5.8%

-100,000(-6%)

SNFCA4.8%

-90,000(-4%)

BSBK0.9%

-70,170(-14%)

PKBK2.2%

-50,283(-15%)

PROV1.0%

-45,500(-16%)

AER7.0%

-36,000(-15%)

Exited

SWKH

-995,256

BHF

-280,000

-39,051

-29,685

-26,664

-24,586

-5,769

-9,151

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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