# EDGAR Filing Document

**Accession Number:** 0001511291
**File Stem:** 0001398344-25-014245
**Filing Date:** 2025-7
**Character Count:** 14813
**Document Hash:** 1f3dd2cc3cbdaaf901d9b6f7126a0284
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-25-014245.hdr.sgml**: 20250731

**ACCESSION NUMBER**: 0001398344-25-014245

**CONFORMED SUBMISSION TYPE**: N-PX

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20240630

**FILED AS OF DATE**: 20250731

**EFFECTIVENESS DATE**: 20250731

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** M3F, Inc.
- **CENTRAL INDEX KEY:** 0001511291

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** UT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-PX
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-14066
- **FILM NUMBER:** 251171254

**BUSINESS ADDRESS:**
- **STREET 1:** 2070 E 2100 S
- **STREET 2:** SUITE 250
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84109
- **BUSINESS PHONE:** 202-246-9200

**MAIL ADDRESS:**
- **STREET 1:** 2070 E 2100 S
- **STREET 2:** SUITE 250
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84109

## FORM N-PX
### ANNUAL REPORT OF PROXY VOTING RECORD

## N-PX: Filer Information

**Filer CIK:** 0001511291

**Date of Report:** 06/30/2024

**Are you a Registered Management Investment Company or an Institutional Manager?:** Institutional Manager

**Is this a LIVE or TEST Filing?:** LIVE

**Is this an electronic copy of an official filing submitted in paper format?:** [ ]

### Submission Contact Information
_Not provided in this filing._

### Notification Information
**Notify via Filing Website only?:** [ ]

## N-PX: Cover Page

**Name of reporting person:** M3F, Inc.

**Address:** 2070 E 2100 S, SALT LAKE CITY, UT 84109

**Telephone number:** 202-246-9200

**Name of agent for service:** —

**Agent Address:** —, —, — —

**Reporting Period:** Report for the year ended 06/30/2024

**SEC File Number:** 028-14066

**CRD Number (if any):** —

**Other SEC File Number (if any):** —

**LEI (if any):** —

**Report Type (check only one):**

Institutional Manager.

- [x] Institutional Manager Voting Report

- [ ] Institutional Manager Notice Report

- [ ] Institutional Manager Combination Report

Registered Management Investment Company.

- [ ] Fund Voting Report

- [ ] Fund Notice Report

**Do you wish to provide explanatory information pursuant to Special Instruction B.4?:**

- [x] No

- [ ] Yes

**Additional information:** —

## N-PX: Summary - Included Managers

**Number of Included Institutional Managers:** 0

**Included Institutional Managers:** —

## FORM N-PX PROXY VOTING RECORD

| NAME OF ISSUER                          | CUSIP     | MEETING DATE   | VOTE DESCRIPTION                                                                                                                                                                                                                                                                                    | VOTE CATEGORY                |     SHARES VOTED |   SHARES ON LOAN | HOW VOTED   |   SHARES VOTED FOR OR AGAINST MANAGEMENT | FOR OR AGAINST MANAGEMENT   | OTHER INFO   |
|:---|:---|:---|:---|:---|---:|---:|:---|---:|:---|:---|
| PROVIDENT FINANCIAL HOLDINGS, INC.      | 743868101 | 11/28/2023     | Advisory approval of the compensation of our named executive officers as disclosed in this Proxy Statement.                                                                                                                                                                                         | SECTION 14A SAY-ON-PAY VOTES | 665131           |                0 | AGAINST     |                         665131           | AGAINST                     |  |
| PROVIDENT FINANCIAL HOLDINGS, INC.      | 743868101 | 11/28/2023     | Advisory vote on whether future advisory votes on executive compensation should be held every one, two or three years.                                                                                                                                                                              | SECTION 14A SAY-ON-PAY VOTES | 665131           |                0 | 1 YEAR      |                         665131           | FOR                         |  |
| NATIONAL WESTERN LIFE GROUP, INC.       | 638517102 | 01/08/2024     | Approve, on an advisory (non-binding) basis, the compensation that may be paid or become payable to National Western Life Group, Inc.'s named executive officers that is based on or otherwise relates to the proposed merger.                                                                      | SECTION 14A SAY-ON-PAY VOTES |  60782           |                0 | AGAINST     |                          60782           | AGAINST                     |  |
| TIMBERLAND BANCORP, INC                 | 887098101 | 01/23/2024     | Advisory (non-binding) approval of the compensation of our named executive officers as disclosed in the proxy statement.                                                                                                                                                                            | SECTION 14A SAY-ON-PAY VOTES | 231104           |                0 | FOR         |                         231104           | FOR                         |  |
| COMMUNITY WEST BANCSHARES               | 204157101 | 02/08/2024     | To approve, on an advisory (non-binding) basis, the merger-related compensation payments that will or may be paid to the named executive officers of Community West Bancshares inconnection with the transactions contemplated by the merger agreement (the"Community West compensation proposal"). | SECTION 14A SAY-ON-PAY VOTES | 231773           |                0 | FOR         |                         231773           | FOR                         |  |
| HMN FINANCIAL, INC.                     | 40424G108 | 04/23/2024     | Advisory vote to approve executive compensation.                                                                                                                                                                                                                                                    | SECTION 14A SAY-ON-PAY VOTES | 331009           |                0 | FOR         |                         331009           | FOR                         |  |
| FIRST BUSINESS FINANCIAL SERVICES, INC. | 319390100 | 04/26/2024     | To approve, in a non-binding, advisory vote, the compensation of the Company's named executive officers.                                                                                                                                                                                            | SECTION 14A SAY-ON-PAY VOTES | 219409           |                0 | FOR         |                         219409           | FOR                         |  |
| WELLS FARGO  CO                         | 949746101 | 04/30/2024     | Advisory vote to approve executive compensation (Say on Pay).                                                                                                                                                                                                                                       | SECTION 14A SAY-ON-PAY VOTES | 260000           |                0 | FOR         |                         260000           | FOR                         |  |
| COLUMBIA BANKING SYSTEM, INC            | 197236102 | 05/07/2024     | To approve, on an advisory basis, the compensation of Columbia Banking System Inc.'s named executive officers                                                                                                                                                                                       | SECTION 14A SAY-ON-PAY VOTES | 250000           |                0 | FOR         |                         250000           | FOR                         |  |
| EASTERN BANKSHARES, INC.                | 27627N105 | 05/13/2024     | Approve, on and advisory basis, the compensation of our named executive officers.                                                                                                                                                                                                                   | SECTION 14A SAY-ON-PAY VOTES | 961575           |                0 | FOR         |                         961575           | FOR                         |  |
| INVESTAR HOLDING CORP                   | 46134L105 | 05/14/2024     | Approve, on and advisory basis, the compensation of our named executive officers.                                                                                                                                                                                                                   | SECTION 14A SAY-ON-PAY VOTES | 166464           |                0 | FOR         |                         166464           | FOR                         |  |
| PROVIDENT BANCORP, INC                  | 74383L105 | 05/16/2024     | The approval of an advisory, non-binding resolution with respect to our executive compensation.                                                                                                                                                                                                     | SECTION 14A SAY-ON-PAY VOTES |      1.52525e+06 |                0 | FOR         |                              1.52525e+06 | FOR                         |  |
| NI HOLDINGS INC                         | 65342T106 | 05/21/2024     | Proposal to approve the compensation of our Named Executive Officers.                                                                                                                                                                                                                               | SECTION 14A SAY-ON-PAY VOTES | 509778           |                0 | FOR         |                         509778           | FOR                         |  |
| LAKE SHORE BANCORP, INC.                | 510700107 | 05/22/2024     | Approve, on an advisory basis, a non-binding resolution regarding the compensation of our named executive officers.                                                                                                                                                                                 | SECTION 14A SAY-ON-PAY VOTES | 125572           |                0 | FOR         |                         125572           | FOR                         |  |
| SOUND FINANCIAL BANCORP, INC.           | 83607A100 | 05/29/2024     | Advisory (non-binding) vote on the frequency of future advisory votes on executive compensation.                                                                                                                                                                                                    | SECTION 14A SAY-ON-PAY VOTES |  97307           |                0 | 1 YEAR      |                          97307           | FOR                         |  |
| SOUND FINANCIAL BANCORP, INC.           | 83607A100 | 05/29/2024     | Advisory (non-binding) vote on executive compensation.                                                                                                                                                                                                                                              | SECTION 14A SAY-ON-PAY VOTES |  97307           |                0 | FOR         |                          97307           | FOR                         |  |
| COLUMBIA FINANCIAL, INC.                | 197641103 | 06/06/2024     | To approve, on an advisory (non-binding) basis, the compensation of the Company's named executive officers.                                                                                                                                                                                         | SECTION 14A SAY-ON-PAY VOTES |    100           |                0 | FOR         |                            100           | FOR                         |  |
| PATHFINDER BANCORP, INC.                | 70319R109 | 06/06/2024     | The approval of an advisory, non-binding resolution with respect to our executive compensation.                                                                                                                                                                                                     | SECTION 14A SAY-ON-PAY VOTES |  77265           |                0 | FOR         |                          77265           | FOR                         |  |
| PONCE FINANCIAL GROUP, INC.             | 732344106 | 06/13/2024     | Approval, on an advisory and non-binding basis, of the compensation of the named executive officers.                                                                                                                                                                                                | SECTION 14A SAY-ON-PAY VOTES |      2.18681e+06 |                0 | AGAINST     |                              2.18681e+06 | AGAINST                     |  |
| SWK HOLDINGS CORPORATION                | 78501P203 | 06/14/2024     | Advisory Vote on Compensation of Certain Executives.                                                                                                                                                                                                                                                | SECTION 14A SAY-ON-PAY VOTES | 714636           |                0 | FOR         |                         714636           | FOR                         |  |
| ICC HOLDINGS, INC.                      | 44931Q104 | 06/14/2024     | Non-binding, adivsory vote to approve the compensation of the company's named executive officers.                                                                                                                                                                                                   | SECTION 14A SAY-ON-PAY VOTES | 108403           |                0 | FOR         |                         108403           | FOR                         |  |
| BANKFINANCIAL CORPORATION               | 06643P104 | 06/21/2024     | An advisory, non-binding resolution to approve our executive compensation                                                                                                                                                                                                                           | SECTION 14A SAY-ON-PAY VOTES |      1.15655e+06 |                0 | FOR         |                              1.15655e+06 | FOR                         |  |

## N-PX: Signature Block

**Reporting Person:** M3F, Inc.

**By (Signature):** JASON A. STOCK

**By (Printed Signature):** JASON A. STOCK

**By (Title):** MANAGING DIRECTOR

**Date:** 07/29/2025