Earnings summaries and quarterly performance for SHF Holdings.
Executive leadership at SHF Holdings.
Board of directors at SHF Holdings.
Research analysts who have asked questions during SHF Holdings earnings calls.
Aaron Grey
Alliance Global Partners
1 question for SHFS
Also covers: AFCG, AGFY, CGC +22 more
Ben Klieve
Lake Street Capital Markets
1 question for SHFS
Also covers: ANDE, AVD, AVO +13 more
Hal Goetsch
B. Riley Securities
1 question for SHFS
Also covers: BTM, CPIG, ML +5 more
MG
Mike Grondahl
Lake Street Capital Markets
1 question for SHFS
Also covers: ABL, ACCS, APLD +35 more
SB
Scott Buck
H.C. Wainwright
1 question for SHFS
Also covers: AEYE, ARQQ, BKSY +27 more
Recent press releases and 8-K filings for SHFS.
SHF Holdings Expands Consulting and Managed Services Platform
SHFS
M&A
Hiring
New Projects/Investments
- SHF Holdings (Safe Harbor Financial) announced the strategic hiring of the founders of 420 IT Solutions, Frank A. Salluce and David Smokler, and the integration of 420 IT Solutions’ core operating assets and active client contracts into Safe Harbor’s platform.
- Frank A. Salluce and David Smokler will lead and scale Safe Harbor’s expanded Consulting and Managed Services division, bringing over 60 years of combined experience in various consulting fields.
- The acquisition consideration is fully performance-based, comprising up to 125,000 of the Company’s shares that are issuable only upon the achievement of incremental revenue milestones of $5 million in 2026 or $6 million in 2027.
- This transaction represents a strategic expansion aimed at accelerating Safe Harbor’s consulting and managed services strategy, adding an established operating business with immediate revenue and deep industry relationships.
Dec 23, 2025, 1:00 PM
SHF Holdings Anticipates Gains from Cannabis Rescheduling and SAFER Banking Act
SHFS
Revenue Acceleration/Inflection
- SHF Holdings, operating as Safe Harbor Financial, anticipates positive impacts from the potential federal rescheduling of cannabis to Schedule III and the potential passage of the SAFER Banking Act.
- The rescheduling to Schedule III is expected to encourage over 4,700 state-chartered banks and credit unions to serve cannabis-related businesses (CRBs), thereby expanding Safe Harbor's total addressable market.
- Under Schedule III, the 280E taxes paid by CRB clients would be replaced by a normal tax regime, which could materially improve their retained cash flows and enable them to borrow more from lenders like Safe Harbor's financial institutions.
- Safe Harbor, a fintech leader in the cannabis industry, has already facilitated over $26 billion in cannabis-related transactions across 41 states and territories.
Dec 18, 2025, 9:00 AM
SHF Holdings, Inc. CEO to Present at Conference, Highlighting Q3 2025 Achievements and Strategy
SHFS
Earnings
Convertible Preferred Issuance
Management Change
- SHF Holdings, Inc. (Safe Harbor Financial) CEO Terry Mendez will present at the Trickle Research Microcap Conference on November 13, 2025, to discuss the company's strategic direction and growth strategy.
- As of September 30, 2025, Safe Harbor completed a $24M recapitalization that eliminated $19M in debt, and reported $6.8M in cash and Series B proceeds receivable, which is sufficient to fund the next 12 months of operations.
- For the three months ended September 30, 2025, the company generated net income of $179,508, or $0.06 per diluted share, including a $3.3M gain on the settlement of forward purchase obligations.
- Average monthly deposit balances increased to $108M as of September 30, 2025, marking a 6% quarter-over-quarter increase, while average active accounts grew 2% quarter-over-quarter to 774.
Nov 12, 2025, 10:17 PM
SHF Holdings CEO to Present at Conference, Highlights Financial and Operational Improvements
SHFS
Earnings
Management Change
Convertible Preferred Issuance
- SHF Holdings' CEO, Terry Mendez, is scheduled to present at the Trickle Research Microcap Conference on Thursday, November 13, 2025.
- Since February 2025, the company completed a $24M recapitalization that eliminated $19M in debt, resolving liquidity issues and re-establishing Nasdaq compliance.
- As of September 30, 2025, Safe Harbor reported $6.8M in cash (sufficient for 12 months of operations), $108M in average monthly deposit balances (up 6% quarter-over-quarter), and 774 average active accounts (up 2% quarter-over-quarter).
- For the three months ended September 30, 2025, Safe Harbor generated $179,508 of net income, or $0.06 per diluted share, including a $3.3M gain from a settlement.
Nov 12, 2025, 9:05 PM
SHF Holdings Regains Nasdaq Compliance and Completes Recapitalization
SHFS
Delisting/Listing Issues
Convertible Preferred Issuance
Proxy Vote Outcomes
- SHF Holdings, Inc. (Safe Harbor Financial) has regained compliance with Nasdaq Listing Rule 5550(b)(1), which requires at least $2.5 million of shareholders' equity.
- The Company completed recapitalization transactions on September 30, 2025, raising $6.8 million in new capital and eliminating $18.8 million of debt, making it essentially debt-free.
- SHF Holdings, Inc. has established a $150 million equity line of credit (ELOC), with the potential to expand it to $500 million, to fund lending and expand its Fintech platform.
- Stockholders approved an amendment to increase the authorized shares of common stock from 130,000,000 to 1,000,000,000, and a reverse stock split was effected on March 14, 2025, combining each 20 shares of common stock into one.
Nov 10, 2025, 11:15 AM
SHF Holdings, Inc. announces debt cancellation and equity exchange agreements
SHFS
Convertible Preferred Issuance
- On September 30, 2025, SHF Holdings, Inc. entered into a Debt Cancellation Agreement with Partner Colorado Credit Union (PCCU), resulting in the cancellation of approximately $10.7 million in outstanding principal loan amount. This was exchanged for 13,436 shares of Series B Preferred Stock and a Warrant to purchase 865,200 shares of Class A Common Stock.
- Also on September 30, 2025, the company executed Exchange and Cancellation Agreements with Verdun Investments LLC, Vellar Opportunity Fund SPV LLC – Series 1, and Midtown East Management NL, LLC. In these agreements, the company issued Series B Preferred Stock and Warrants to purchase Class A Common Stock in exchange for the cancellation of rights under a Forward Purchase Agreement. Specifically, Verdun received 1,607 shares of Series B Preferred Stock and a Warrant for 103,485 shares of Class A Common Stock; Midtown received 2,070 shares of Series B Preferred Stock and a Warrant for 133,301 shares of Class A Common Stock; and Vellar received 1,325 shares of Series B Preferred Stock and a Warrant for 85,325 shares of Class A Common Stock.
Oct 3, 2025, 8:58 PM
SHF Holdings, Inc. Enters into Common Stock Purchase Agreement with CREO Investments LLC
SHFS
- SHF Holdings, Inc. (SHFS) entered into a Common Stock Purchase Agreement with CREO Investments LLC on September 17, 2025.
- Under this agreement, SHFS may sell up to $150,000,000 of its Class A common stock to CREO.
- Prior to receiving stockholder approval, the sales are limited to 582,899 shares, which represents 19.99% of the shares outstanding immediately before the agreement.
- The total purchase commitment can be mutually increased by the parties up to an aggregate of $500,000,000.
Sep 23, 2025, 8:28 PM
SHF Holdings, Inc. Closes Convertible Promissory Notes Offering
SHFS
Debt Issuance
Convertible Preferred Issuance
- SHF Holdings, Inc. closed an offering of Convertible Promissory Notes on August 27, 2025.
- The Notes have an aggregate principal sum of $562,500, include a 20% original issue discount, and mature in August 2026.
- The conversion price is set at a 20% discount to the average VWAP of the company's common stock, and investors have the option to convert at any time.
- Issued to accredited investors, these Notes and their underlying shares are restricted securities and were sold under an exemption from registration.
Sep 2, 2025, 12:05 PM
Quarterly earnings call transcripts for SHF Holdings.
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