M3f, Inc.
M3F, Inc. is a Salt Lake City, Utah-based investment adviser firm registered with the SEC since 2009. The firm manages pooled investment vehicles, with an AUM of approximately $612 million as of August 2024, and has a small team of 5 employees, all dedicated to investment activities. M3F specializes in managing concentrated portfolios across small financial sector equities and serves mostly institutional pooled vehicles.
Investment Strategy
M3F, Inc. employs a concentrated, value-driven investment strategy focused primarily on the financial sector, especially smaller regional banks and financial institutions. The firm seeks out undervalued opportunities, performs deep fundamental analysis, and maintains a relatively concentrated portfolio, frequently adjusting positions based on market valuation and sector prospects. Their disciplined approach prioritizes capital preservation and long-term compounding of returns for pooled vehicle clients.
Latest 13F Filing Activity
M3f, Inc. filed their most recent 13F report on Jun 30, 2025 disclosing 28 equity positions with a total 13F market value of $354M. The fund increased holdings in Air Lease Corp., FB Bancorp Inc., Ponce Financial Group Inc. among other positions. M3f, Inc. reduced exposure to Provident Bancorp Inc., Security Natl Finl Corp. CL A New, SWK HLDGS Corp. Com among others.
Top Holdings
Equity Positions (28)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
W WLFC | Willis Lease Finance Corp | 22.84% | $80.9M | 566,941 | $50.87 | $142.78 | -$3.4M |
P PDLB | PONCE FINANCIAL GROUP INC | 9.04% | $32.0M | 2,315,708 | $9.74 | $13.84 | +$3.3M |
A AL | Air Lease Corp | 7.40% | $26.2M | 448,401 | $49.20 | $58.49 | +$6.5M |
P PBFS | PIONEER BANCORP INC/NY | 7.09% | $25.1M | 2,090,442 | $10.54 | $12.03 | -$2.0M |
| SECURITY NATL FINL CORP CL A NEW | 5.90% | $20.9M | 2,122,425 | $5.46 | $9.38 | -$3.5M |
Industry Allocation
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