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Fourthstone LLC

CIK:0001767803
Investment Adviser
$958M AUM
98 holdings
Saint Louis, MO, United States
Founded:2013
12 employees
Latest filing:Jun 30, 2025

Fourthstone LLC is an SEC-registered investment adviser based in St. Louis, Missouri. Founded in 2013, the firm is led by L. Phillip Stone, IV as the Managing Member and majority owner. The firm serves institutional clients and private investors, actively managing dedicated investment strategies. Fourthstone specializes in niche, research-driven asset management, employing a team of around a dozen professionals.

Investment Strategy

Fourthstone LLC focuses on active management of investments primarily in the financial services sector, especially regional and community banks and related financial institutions. The firm conducts intensive, bottom-up fundamental research to identify undervalued companies, often taking activist positions to engage constructively with management. Their philosophy emphasizes identifying mispriced securities based on deep sector expertise and hands-on due diligence to deliver outperformance over time.

Latest 13F Filing Activity

Fourthstone LLC filed their most recent 13F report on Jun 30, 2025 disclosing 97 equity positions with a total 13F market value of $510M. The fund increased holdings in First CMNTY Corp. S C, CF Bankshares Inc., Atlantic Un Bankshares Corp. among other positions. Fourthstone LLC reduced exposure to Orrstown Finl SVCS Inc., Old PT Financial Corporation, Choiceone Finl SVCS Inc. among others.

Top Buys
F
FCCOFIRST CMNTY CORP S C
+$9.3M
C
CFBKCF BANKSHARES INC
+$8.4M
A
AUBATLANTIC UN BANKSHARES CORP
+$8.2M
F
FISIFINANCIAL INSTNS INC
+$8.1M
H
HNVRHANOVER BANCORP INC
+$6.7M
Top Sells
O
ORRFORRSTOWN FINL SVCS INC
-$12.7M
O
OPOFOLD PT FINANCIAL CORPORATION
-$9.6M
C
COFSCHOICEONE FINL SVCS INC
-$6.2M
R
RVSBRIVERVIEW BANCORP INC
-$6.2M
E
EBMTEAGLE BANCORP MONT INC
-$6.0M

Top Holdings

O
ORRFORRSTOWN FINL SVCS INC
+7.9%$40.1M
B
BCALCALIFORNIA BANCORP
+6.8%$34.5M
C
COFSCHOICEONE FINL SVCS INC
+6.4%$32.8M
C
CWBCCOMMUNITY WEST BANCSHARES NE
+6.0%$30.7M
F
FISIFINANCIAL INSTNS INC
+4.3%$21.7M

Equity Positions (97)

TickerSecurityWeightMarket ValueSharesAvg CostPriceChange (QoQ)
ORRSTOWN FINL SVCS INC7.86%$40.1M1,258,740$32.72$31.83-$12.7M
CALIFORNIA BANCORP6.77%$34.5M2,189,671$14.34$15.76-$14.3K
CHOICEONE FINL SVCS INC6.44%$32.8M1,142,959$29.95$28.70-$6.2M
COMMUNITY WEST BANCSHARES NE6.02%$30.7M1,573,924$18.10$19.51-$2.5M
FINANCIAL INSTNS INC4.27%$21.7M846,661$26.05$25.68+$8.1M

Industry Allocation

STATE COMMERCIAL BANKS
+62.7%
NATIONAL COMMERCIAL BANKS
+24.1%
SAVINGS INSTITUTION, FEDERALLY CHARTERED
+5.5%
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
+1.7%
SHORT-TERM BUSINESS CREDIT INSTITUTIONS
+0.4%