M3f, Inc.

M3F, Inc. is a Utah corporation established in July 2009, specializing in providing asset management services on a discretionary basis. The firm manages approximately $531,694,132 in assets under management as of February 28, 2025. The principal owners are Jason A. Stock and William C. Waller. Clients pay a quarterly management fee based on the net asset value of assets under management, in addition to brokerage commissions and custodial fees. The firm may provide investment advisory services to the Fund and separately managed accounts, with a minimum investment size of $1 million for the Fund and $10,000,000 for individual accounts. M3F employs a value-oriented approach, focusing on fundamental analysis to identify investment opportunities primarily in the financial services industry. The firm may make long and short investments and may engage in securities lending. Clients are subject to various risks, including market risks, management style risks, and lack of diversification. M3F has no disciplinary events to disclose and does not engage in soft dollar transactions. The firm has discretion over client investments and votes proxies in the clients' best interests. Wells Fargo Securities, LLC, Wells Fargo Bank, National Association, and Sunwest Bank serve as custodians for client accounts.