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SHF Holdings, Inc. reports developments for Safe Harbor, a financial technology platform serving the banking, lending, and financial services needs of regulated cannabis and hemp businesses. Company news centers on compliant cannabis banking, deposit services, loan program income, lending products, payments solutions, and services for cannabis-related businesses and financial institutions.
Recurring updates include expanded financing capabilities such as commercial real estate financing, working capital, equipment financing, cash flow lending, accounts receivable financing, bridge financing, and loan syndications. Other news themes include financial results, balance sheet actions, the Partner Colorado Credit Union commercial alliance, deposit growth in emerging U.S. cannabis markets, and regulatory developments affecting state-licensed cannabis operators.
Safe Harbor Financial (NASDAQ: SHFS) reported Q1 2026 revenue of approximately $2.0 million, up 2.2% year over year, with loan program income rising 55.6% to about $0.8 million. Operating expenses fell 4.7%.
Cash totaled $5.9 million and stockholders’ equity was $6.7 million, versus a ($16.9) million deficit a year earlier. A second amended PCCU agreement, extending to 2031, is expected to generate $9 million+ in incremental revenue and includes a ~$400,000 retroactive payment.
Safe Harbor (NASDAQ: SHFS) announced on April 30, 2026 an expanded lending platform to broaden financing for regulated cannabis and hemp businesses. New capabilities include commercial real estate, working capital, equipment financing, cash-flow and revenue-based loans, syndications, sale-leaseback and acquisition financing.
The platform connects qualified borrowers with private credit funds, family offices and institutional partners and reviews financing requests individually. The expansion follows Safe Harbor's recent launch of a cannabis-focused 401(k) plan and aims to integrate banking, payments and growth capital for cannabis-related businesses.
Safe Harbor Financial (NASDAQ: SHFS) responded to the DOJ order that moved FDA-approved cannabis products and qualifying state-licensed medical marijuana into Schedule III, effective April 22, 2026. The order removes Section 280E’s deduction disallowance for qualifying medical operators, establishes a 60-day expedited DEA registration pathway for early applicants, and preserves existing Bank Secrecy Act obligations.
Safe Harbor expects the change to potentially improve operator cash flow, deposit stability, credit profiles, and demand for its managed compliance and banking services.
Safe Harbor (NASDAQ: SHFS) launched the Safe Harbor Retirement Plan on April 21, 2026, a pooled employer 401(k) built for state-legal cannabis businesses. The plan uses collective investment trusts to enable participation by cannabis-related employers and aims to reduce plan disruption risk; Safe Harbor is the first adopting member.
Safe Harbor Financial (NASDAQ: SHFS) reported fourth quarter and full year 2025 results with a transformed balance sheet and operational progress. Key highlights include elimination of substantially all debt, $6.8M cash, $8.2M stockholders' equity, Q4 revenue up 12% sequentially and a renewed PCCU agreement through 2031.
Full year revenue declined versus 2024 but operating expenses and loan program economics improved sequentially in Q4.
Safe Harbor Financial (NASDAQ: SHFS) reported preliminary unaudited results for Q4 and full year 2025. Q4 revenue was $2.1M, up 12% sequentially; Q4 loan program income $0.9M, up 71% sequentially. Full‑year revenue fell to $7.7M from $15.2M (‑50%).
The September 2025 recapitalization eliminated $18.3M of debt and raised $6.8M, restoring positive equity. The Second Amended CAA raises loan income share to up to 65% and extends PCCU terms to 2031. The company filed a Form 12b‑25 extension and noted the figures are preliminary and unaudited.
Safe Harbor Financial (NASDAQ: SHFS) announced a strategic reset: the company is debt-free after eliminating substantially all debt in September 2025, holds more than $6 million cash, and secured a long-term amended agreement with Partner Colorado Credit Union through 2031 expected to generate at least $10.5 million incremental cash flow.
The PCCU amendment increases Safe Harbor's loan interest participation to 65%, adds estimated $9 million incremental revenue and $1.5 million cost savings over 6.25 years, and supports expansion of banking, lending, managed services and a new Fully Managed Cannabis Banking Program.
Safe Harbor (NASDAQ: SHFS) reported emerging US market average deposit balances rose 29% year-over-year for the 12 months ended February 4, 2026, lifting total average deposit balances 4.5%. Emerging markets now represent 31% of total deposit balances and added 100+ new customer depository accounts.
The company highlighted strategic early entry across new and expanding state programs (New York, New Jersey, Illinois, Florida, Ohio, Kentucky and others) and said deposit growth reflects client expansion and regulatory market maturation.
Safe Harbor Financial (NASDAQ: SHFS) amended its Commercial Alliance Agreement with Partner Colorado Credit Union, extending the relationship through December 2031 with automatic two-year renewals and a revised 6.25-year term.
The amendment raises Safe Harbor's share of loan interest to up to 65% (from ~37%), expected to generate an estimated $9+ million incremental revenue over the term (~$1.5 million annually) and converts non-cash exposure into cash revenue. The deal also reduces asset hosting fees by ~23% (~$250,000 annually; ~$1.5 million over term) and can scale cost savings to ~$600,000 annually as PCCU deposits grow.
Safe Harbor (NASDAQ: SHFS) expanded its payments solutions portfolio on Jan 27, 2026 by adding partnerships with Lüt and Greencard. The additions aim to increase payment flexibility, redundancy, and business continuity for regulated cannabis and hemp operators by covering ACH debit, cashless ATM, and closed-loop wallet payments. Lüt provides a pre-funded, closed-loop wallet with loyalty and staff-incentive features to reduce downtime risk. Greencard unifies retail, delivery, e-commerce, and wholesale payments and converts 14-day check cycles into next-day ACH settlement with real-time reporting. The move complements existing partners like CanPay, Vector Payments, and GreenLink Merchants and follows recent launches of insurance and payroll services.