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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 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.
Safe Harbor (NASDAQ: SHFS) announced on January 14, 2026 that it is expanding client offerings to include cannabis-specific insurance solutions through strategic partnerships with Frontier Risk and AlphaRoot. The insurance products — including property, workers compensation, general liability, product liability and other risk management solutions — will be delivered via the Safe Harbor Advantage Partner Network. The move is intended to create a complementary revenue stream, deepen client relationships, and broaden the company’s fintech-driven ecosystem for regulated cannabis and hemp operators.
Safe Harbor (NASDAQ: SHFS) announced two senior hires on Dec. 30, 2025: Stephen La Rosa as Senior Vice President, Lending Strategy and Partner Development, and Cassandra Douglass as Senior Manager, Client Experience and Onboarding. The additions aim to expand the company's lending platform, broaden capital channels (private equity, family offices, institutional partners), and scale compliant onboarding and client relationship capabilities for regulated cannabis and hemp operators.
The hires emphasize stronger lending strategy, partner development, compliance, and operational consistency across the client lifecycle.
Safe Harbor (NASDAQ: SHFS) announced the hiring of 420 IT Solutions founders Frank A. Salluce and David Smokler and the integration of 420 IT Solutions’ operating assets and active client contracts into Safe Harbor’s Consulting and Managed Services division on Dec. 23, 2025. The deal adds immediate revenue, cannabis-focused consulting capabilities, and industry relationships, while the founders will lead expansion efforts. Consideration is fully performance-based: up to 125,000 shares issuable only if Safe Harbor achieves incremental revenue milestones of $5 million in 2026 or $6 million in 2027.
Safe Harbor Financial (NASDAQ: SHFS) said the federal rescheduling of cannabis is a meaningful policy shift that should strengthen cannabis operators, reduce industry attrition, and attract broader financial institution participation.
The company expects improved operator cash flow from the elimination of Section 280E to increase deposit stability, lower client turnover, and expand the addressable market for its fully managed banking platform while cautioning that rescheduling alone does not replace durable banking protections like passage of the SAFER Banking Act.