M3F, Inc.

CIK 0001511291 · Q1 2026

13F Equity AUM

$404K

-99.9% QoQ

Positions

+3 QoQ

AUM Rank

#12,120

Top 97%

Skill Alpha (FF)

+10.2%/yr

Alpha Generator

Rank #297 · Top 4%

vs S&P +0.4%/yr (unadj.)

Quarters Tracked

~11 years

Portfolio Concentration

Top 5: 58.3%Top 10: 80.9%Top 20: 97.8%

WLFC28.6%

PDLB8.3%

AER8.1%

PBFS7.2%

ASLE6.1%

NODK5.3%

SNFCA5.2%

SWKH4.2%

BHF4.2%

RBKB3.9%

Others (18)19.1%

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

Sector Allocation

Financial Services56.6%

Industrials43.4%

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

Position Sizing

Positions: 28Median: 1.77%Avg: 3.57%

0–0.5%

6(0.7%)

0.5–1%

2(1.5%)

1–3%

10(16.9%)

3–5%

3(12.2%)

5%+

7(68.7%)

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

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Portfolio Overlap

Shared: 25Unique: 3vs 20 funds

0.3%Low

Fund positions

7,299

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.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

VANGUARD CAPITAL MANAGEMENT LLC

0.7%

GEODE CAPITAL MANAGEMENT, LLC

0.6%

BlackRock, Inc.

0.5%

STATE STREET CORP

0.5%

VANGUARD PORTFOLIO MANAGEMENT LLC

0.5%

MORGAN STANLEY

0.2%

BANK OF AMERICA CORP /DE/

0.2%

FMR LLC

0.1%

JPMORGAN CHASE & CO

0.1%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New5Increased10Decreased7Exited2

New Positions

BHF4.2%

+280K

NFBK2.6%

+777K

GDOT2.1%

+749K

VABK0.1%

+6K

AUBN0.1%

+9K

Increased

ASLE6.1%

+664K(+20%)

PDLB8.3%

+148K(+8%)

SWKH4.2%

+142K(+17%)

NODK5.3%

+121K(+8%)

PBFS7.2%

+38K(+2%)

AER8.1%

+30K(+14%)

BYFC0.8%

+16K(+4%)

CBFV1.4%

+7K(+5%)

ALRS2.5%

+6K(+1%)

MGYR1.2%

+4K(+1%)

Decreased

AL0.6%

-409,350(-91%)

WSBK0.1%

-119,400(-83%)

SNFCA5.2%

-35,000(-2%)

FBIZ0.4%

-29,252(-50%)

PROV1.1%

-15,000(-5%)

PKBK2.3%

-7,225(-2%)

RBKB3.9%

-5,000(-0%)

Exited

BFINUSD

-491,747

AVBC

-222,361

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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